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DeSoto County Bank Customer Benefits
  • Free 24 hour access to account information
  • No annual fee credit card
  • Reduced service charge for direct deposits and e-statements
  • Comparative account analysis
  • Local loan decision-makers
CheckingSavings and Certificates of Deposit

DeSoto Business Savings
Business Money Market Savings
Business Treasury Money Market
Certificates of Deposit 

LoansMerchant Processing
Convenience Services



All business checking accounts include the following

  • Free business internet banking
  • Free business debit card


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DeSoto Totally Free Business Checking
Exceptional starter account for small business

  • Up to 100 checks, deposits or deposited items per month at no charge
  • No minimum balance
  • No monthly service charge
  • Detailed e-statement available at any time
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DeSoto Small Business Checking
Free account that allows a higher level of activity

  • No charge for the first 350 checks, deposits or deposited items per month
  • Detailed monthly statement with returned check images
  • Free night depository bag


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DeSoto Investment Checking
For sole proprietors, government agencies, and non-profits who want to earn interest

  • Earns interest on balances
  • No charge for the first 350 checks, deposits or deposited items per month
  • Free night depository bag
  • Detailed monthly statement with returned check images

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DeSoto Commercial Checking
Designed for customers who have a higher volume of account activity

  • Account balances offset service charges
  • Detailed monthly statement with returned check images
  • Free checking account and benefits package for company employees. Ask for details!

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DeSoto Business Savings
Pays competitive interest rates on excess balances



  • Earns interest on daily balances of $1,000.00 or more
  • Allows 100 deposited items per quarter
  • Interest compounded and credited quarterly

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Business Money Market Savings
Earns a higher interest rate on inactive balances

  • Earns interest daily
  • Interest paid on total collected balances greater than $1,500.00
  • Allows 6 withdrawals per month

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Business Treasury Money Market
Our highest interest bearing account!

  • Earns interest daily on balances greater than $50,000.00

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Certificate of Deposit Specials

Call us at 662-393-3277 to check other rates and maturities.

Click here for current specials.

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We have over 40 years of experience ready to work for you. Contact our Commercial Loan Group for more information at 662-393-3277.


Lines of Credit
This program provides financing up to one year for a variety of purposes, including ordinary cash flow needs. This type of credit, which may contain a revolving feature, includes the following:

  • Working Capital
  • Inventory
  • Accounts Receivable Financing

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Non-Real Estate Term Loans

  • Equipment Financing up to 60 months
  • Rolling Stock up to 72 months

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Commercial Real Estate

Term Loan

  • Refinance, Purchase, Expansion-Amortization up to 20 years
  • Raw Land-Interest only for up to 1 year
  • Farm land-Amortization up to 15 years

Construction Loans

  • Terms up to 12 months
  • Mini Perms (Combines construction and permanent financing)
  • Development and lots

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Business Leasing
Conserve Working Capital – 100% Financing Available for New or Used Equipment – Variable Terms – Off Balance Sheet Financing

In response to market demand, we have an innovative solution for businesses that want to conserve working capital. Payment options are tailored to meet your business demands and cash flow needs. You can lease new or used equipment acquisitions with variable terms

By leasing you equipment instead of financing or purchasing, you have the freedom to evaluate a product before you decide to own it.

Leasing provides greater flexibility than purchasing. You have the option to upgrade your equipment through he lease term. And when the term is up, you can return your equipment with no questions asked, renew your agreement, or elect to purchase equipment instead. Call us today at 662-996-7331 to see how quick and easy leasing can be.

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Businesses we talk to want the same thing from their merchant services provider: great service, state-of-the-art equipment, and competitive pricing. How do we stack up against your current provider? Give us a call for a FREE pricing comparison and proposal. Find out today if you are paying too much!

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Services to make your job easier.


DeSoto Desktop Depositor
Make deposits from your office

With our software and equipment you can:

  • Deposit checks from your office
  • Eliminate time consuming and expensive trips to the bank
  • Make deposits to multiple accounts
  • Bank at your convenience



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