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Checking


At 1st MS, our goal is to provide you with just the right checking to help you manage your life. Do you want free checking? Do you need a checking account with no minimum balance? Maybe you are having a hard time getting a checking account due to past problems.

Let us help you find the checking account that is just right for you. With features such as instant-issue debit cards and direct deposit, our checking services provide all the benefits of a bank, with many additional benefits like dividend payments!

With our many options, you can manage your finances and your life.

1st Advantage Checking

1st Advantage Checking is for our members aged 55 and older. By opening an account with 1st MS, you become a member in our credit union, so you will receive regular dividends from this account! Other features include:

  • No minimum balance required
  • Dividends accrue daily once balance equals $500 - click here to view current rates
  • One free box of checks per year
  • Free instant-issue debit card upon opening account
  • Two free money orders and official checks per month
  • $10 discount on safe deposit boxes
  • Free mobile banking

Are you interested in opening a 1st Advantage Checking account at 1st MS? Visit one of our locations today or contact one of our Member Services Representatives. Click here for contact information.

Regular Checking

1st MS Regular Checking is for members who need hassle-free checking. We give you the features you want and make everything simple.

  • Free checking if you retain a minimum monthly balance of $500
  • Dividends paid with balance of $1,000 or more - click here to view current rates
  • Entitles account holder to discounts on consumer loans
  • Includes a free Electronic Check Visa Debit Card
  • A low $3 per month charge for balances under $500
  • Overdraft privileges (up to $750 to qualifying members)
  • Free mobile banking
  • Free instant-issue debit card upon opening account

Are you interested in opening a Regular Checking account at 1st MS? Visit one of our locations today or contact one of our Member Services Representatives. Click here for contact information.

Free2B Checking

1st MS Free2B Checking is a great first checking account for young adults. It offers all the features you want that will help you get started on the road to a successful financial future!
Features include:

  • For our members age 18-25
  • No minimum balance
  • Free checking
  • Free instant-issue debit card upon opening account
  • Free mobile banking
  • Free checks always while the account remains open
  • Free personalized starter checks
  • Free electronic statements
  • Free electronic bill pay
  • Free direct deposit
  • Oops! Refunds (we will refund one non-sufficient fee per quarter)

Are you interested in opening a Free2B Checking account at 1st MS? Visit one of our locations today or contact one of our Member Services Representatives. Click here for contact information.

Check Again Checking

Think you can’t get a checking account because of financial problems in your past? Check again! With 1st MS Check Again Checking, you can have a checking account with the features you need to help you get back on track. Features include:

  • Up to 4 starter checks per month
  • Free instant-issue debit card upon opening account
  • Low $10 monthly service fee ($8 with direct deposit)
  • Eligible to upgrade to Regular Checking in 12 months
  • Dividends paid on checking over $1,500
  • Instant Issue Debit Cards have lower withdrawal limits

Are you interested in opening a Check Again Checking account at 1st MS? Visit one of our locations today or contact one of our Member Services Representatives. Click here for contact information.