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Personal Checking

Whether you want the basics or prefer an account that earns interest, we've got YOU covered.

Each account will allow you to conveniently access the funds you need every day while providing the security of a federally insured bank. When you're ready to bank on your own terms, you're ready for a checking account from Bank of Yazoo.

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Bank of Yazoo ProtectU Checking

You can rest easy knowing that IDProtect®, the identity theft monitoring and resolution service available with this account, can help better protect the identity of you and your family.

  • Free 24-hour account information at PhoneUs®
  • Free instant-issue debit card
  • Free Online Banking
  • Free online Bill Pay
  • Free Mobile Banking
  • Free Mobile Deposit
  • ID Protect®* - Identity theft monitoring and resolution services
  • Cell Phone Protection**
  • Check images

$100

$6

$1,000

If your balance falls below the required minimum balance of $1,000 during the statement cycle and you are charged the $6.00 monthly service charge, you will receive credits on your monthly statement for:

  • eStatements - you will receive a credit of $3.00 for using electronic statement delivery rather than paper, and/or
  • Debit Card Transactions - you will receive a $2.00 credit by having 15 or more debit card transactions (excluding those at ATMs) posted during the statement cycle.


You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

*IDProtect® - Identity Theft Monitoring and Resolution Services
 Help better protect yourself, your family and your joint account owners with our identity theft monitoring and resolution service1 that includes credit file monitoring2, 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement3, fully managed resolution services, and more.

**Cellular Telephone Protection3

Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account.)

1IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes: spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

2Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

3Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

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Bank of Yazoo Golden Club Checking

Age has its perks! This account is designed for our customers age 50 and above.

  • Free 24-hour account information at PhoneUs®
  • Free personalized wallet checks or any specialty checks half-price
  • Free instant-issue debit card
  • Free Online Banking
  • Free online Bill Pay
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit
  • Interest-bearing
  • Unlimited check writing
  • Check images

$100

$5

$200

Maintain a minimum daily balance of $1,000 to obtain the disclosed Annual Percentage Yield.
Interest paid on tiers for balances greater than $1,000. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

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Bank of Yazoo Club Account

  • Free 24-hour account information at PhoneUs®
  • Free personalized wallet checks or any specialty checks half-price
  • Free instant-issue debit card
  • Free Online Banking
  • Free online Bill Pay
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit
  • Interest-bearing
  • 1/4% discount on installment loans
  • Check images

$100

$8

N/A

Electronic payment from Club account only to receive 1/4% discount on installment loans.
Maintain a minimum daily balance of $1,000 to obtain the disclosed Annual Percentage Yield. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

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Bank of Yazoo NewU Checking

This account is designed to give customers who have previously not been approved to open an account an opportunity to bank with us.

  • Free 24-hour account information at PhoneUs®
  • Free instant-issue debit card
  • Free Online Banking
  • Free online Bill Pay
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit
  • Monthly statement

$100

$8

N/A

NewU Checking offers a low-limit debit card for the first 12 months. Application for standard bank debit card may be made after account has been opened and in good standing for 12 months.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.
Copy of checks/deposits- $1 per item
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.

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Bank of Yazoo Student Checking

The account designed with the student in mind.

  • Free 24-hour account information at PhoneUs®
  • Free instant-issue debit card
  • Free Online Banking
  • Free online Bill Pay
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit
  • Check images

$25

$0

N/A

Student Checking offers a low-limit debit card.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.
First 3 foreign ATM transactions free per statement cycle.
After account holder reaches the age of 23, this account will convert to a ProtectU checking account.

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Personal NOW

  • Free 24-hour account information at PhoneUs®
  • Free instant-issue debit card
  • Free Online Banking
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit
  • Interest-bearing
  • Check images

$100

$8

$1,000

Maintain a minimum daily balance of $1,000 to obtain the disclosed Annual Percentage Yield. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.

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Premium Income NOW

  • Free 24-hour account information at PhoneUs®
  • Free instant-issue debit card
  • Free Online Banking
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit
  • Interest-bearing
  • Check images

$20,000

$20

$10,000

Maintain a minimum daily balance of $10,000 to obtain the disclosed Annual Percentage Yield. Interest paid on tiers for balances greater than $10,000. Interest will be compounded monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
You may deposit 30 items into this account each statement cycle. A fee of $0.10 will be imposed for each subsequent item deposited.
Instant-issue debit cards are available for pick-up at Main and Crossgates West locations.