Copiah Bank | Checking Accounts

PERSONAL CHECKING

Your personal checking account is one of the basic tools you use regularly in your financial life. At Copiah Bank, we like to make sure you have options. From basic checking to special accounts, we have a wide range of accounts designed for every stage of life.

Personal Checking

$100 minimum opening balance
No service charges on daily balances of $700 or more
$8.00 service charge on all balances lower than $700
No service charge for customers over 55 years of age
unlimited monthly check writing
Easy-to-read monthly statement with imaged copies
Deposits can be mail by mail
Online Banking available
Online Bill Pay available
ATM or Debit Card available upon request

Basic Value Checking

$100 minimum opening balance
No service charges on daily balances of $500 or more
Regular NSF charges apply
Online Banking
Online Bill Pay
Mobile Banking
Text Alerts
Remote Deposit Capture
E-Statements
ATM or Debit Card available upon request

Copiah E-Checking

$100 minimum opening balance
No monthly service charge if customer enrolls in and receives:

Debit Card
Online Banking
Mobile Banking
Text Alerts
E-statements (no paper statements)

Copiah Select

$100 minimum opening balance
Low monthly fee of $8.75
Monthly fee of $6.50 for customers over 55 years of age
No activity charges
Free Copiah Bank basic checks
Convenient ATM card
$20,000 accidental death and dismemberment insurance policy
Free notary services
10% discount of safe deposit boxes
Free wire transfers
$5,000 Identity Protection
Free Money Orders
Online Banking available
Bill Pay available

Now Account Interest-Bearing Checking

Interest-bearing checking for individuals, non-profits and sole proprietorships.

$500 minimum opening balance
Interest accrues daily and is compounded monthly on a tiered minimum daily balance.
Interest is paid daily on balances of $1,000 or more
No service charge on daily balances of $1,000 or more.
$9.00 monthly service charge on daily balances less than $1,000
Online Banking
Online Bill Pay
Mobile Banking
Text Alerts
Remote Deposit Capture
Debit Card
E-Statements

Preferred Now Account Interest-Bearing Checking

Interest-bearing checking for individuals, non-profits and sole proprietorships.

$2,500 minimum opening balance
Interest accrues daily and is compounded monthly on a tiered minimum daily balance.
Interest is paid daily on balances of $2,500 or more
No service charge on daily balances of $10,000 or more.
$15.00 monthly service charge on daily balances less than $10,000
Online Banking
Online Bill Pay
Mobile Banking
Text Alerts
Remote Deposit Capture
Debit Card
E-Statements

Personal Money Market

$2,500 minimum opening balance
$8.00 monthly service charge on balances less than $1,000
Unlimited in-person, mail, or ATM withdrawals
Up to six (6) transfers per month, three of which may be check, draft or debit card
Activity charge of $5.oo per debit exceeding six (6) per statement
Interest accrues daily and is compounded monthly on a tiered minimum daily balance.
No interest is paid if the account daily balance falls below $500 and a reduced rate is applied on accounts with a daily balance of $2,500 or less

BUSINESS CHECKING

No two businesses are the same. That’s why Copiah Bank has flexible banking options for business owners regardless of the size of the business. We offer two business banking accounts that give your business the foundation it needs for success. At Copiah Bank, we’re here for you – and your business - every step of the way.

Small Business Checking

$100 minimum opening balance
Must maintain a daily balance of $2,500 or more to avoid a service charge
$10.00 flat charge if daily balance drops below $2,500 at any time
50 free debits, then $.15 per debit (checks you write)
50 free credits, then $.15 per credit (deposits you make)
100 free local items deposited (checks included in your deposit within our Fed district), then $.05 per item
50 free foreign items deposited (checks included in your deposit outside of our Fed district), then $.07 per item
Imaged check copies mailed the last day of the month
A good balance can result in a service charge-free account
Statements issued on the first of each month
Can serve as a business credit reference
Night deposit service available
Online Banking
Online Bill Pay

Business Banking

$100 minimum opening balance
$10.00 maintenance fee
$.14 per check or debit item paid
Additional handling charges may apply for special statements, etc.
$.07 charge for each local item (inside our Fed district) and $07 for each foreign item (outside our Fed district)
A credit will be allowed for the monthly average collected balance which is based on each month's average 13-week treasury bid quoted in the Wall Street Journal on Tuesdays.
National Accounts (i.e. Wal-Mart) have special pricing schedules which are available up request
Imaged check copies mailed the last day of the month
A good balance can result in a service charge-free account
Statements issued on the first of each month
Can serve as a business credit reference
Night deposit service available
Online Banking
Online Bill Pay

Non-Personal Money Market

$2,500 minimum opening balance
$.17 fee per deposit
$1.00 monthly maintenance fee
$8.00 monthly service charge on balances less than $1,000
Unlimited in-person, mail, or ATM withdrawals
Up to six (6) transfers per month, three of which may be check, draft or debit card
Activity charge of $5.oo per debit exceeding six (6) per statement
Interest accrues daily and is compounded monthly on a tiered minimum daily balance
No interest is paid if the account daily balance falls below $500 and a reduced rate is applied on accounts with a daily balance of $2,500 or less

Checking Accounts