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Personal Banking

Whether you’re opening your first ever checking account, saving for retirement, borrowing for a home or car, or interested in our debit / credit card options, Mid-Southern Savings Bank, FSB is here to service your personal banking needs. And unlike other banks, who are getting farther and farther away from customer relationships and face to face interactions, we enjoy serving you and your needs in person or over the phone.


Our checking account options allow you to personalize your checking experience based on your wants, needs, and life stage. If you prefer to have no minimum to open, no minimum balance, and no monthly fee and don’t mind incurring zero interest, Choice Checking is for you. If you want to earn interest, compounded monthly, choose our basic interest bearing option. Diamond Checking is right for you if you are 50+, desire earning interest, and enjoy using checks. Can’t decide which checking option best fits your needs, or want further advice? Let’s talk. Visit or call us today.

Choice Checking Select Checking Diamond Checking
Summary No minimum, no interest
E-Statements only
Basic Interest Bearing Ages 50+, Interest Bearing
Minimum to Open $50 $100 $250
Minimum Balance / Monthly Fee $0 $5 statement fee if balance drops below $500 during statement cycle $4 statement fee if balance drops below $500 during statement cycle. (Statement fee waived with a direct deposit)
Interest Earned None Based on daily balance, compounds monthly with variable rate Based on daily balance, compounds monthly with variable rate on balances over $500.00
ATM / Debit Card Yes Yes Yes
Privilege Overdraft Protection* Yes Yes Yes
Checks Ordering available Ordering available First box of checks free. Additional orders discounted. Other designs are regular price.

* There is no charge for this program. There is a $35 charge per overdraft item including checks, ACH items, and debits up to 5 per day. Mid-Southern Savings Bank, FSB reserves the right to pay or not pay any overdraft. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.