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Our checking accounts were designed with you in mind. We have many options available with great benefits. All checking accounts include the following:

  • Online Banking
  • Bank of DeSoto Debit Card
  • Mobile Banking
  • Mobile Deposit
  • eStatements

Checking Account Options

Personal Checking Account

  • No minimum deposit to open

Monthly Fee

No service fee if minimum daily balance is $800 or more. Under $800 daily balance, monthly service fees are as follows:

Daily BalanceMonthly Fees

$800.00 or more

No monthly fee

$600.00 - $799.99

$4.00 + $.10 per check/debit after 30

$400.00 - $599.99

$6.00 + $.10 per check/debit after 30

$200.00 - $399.99

$8.00 + $.10 per check/debit after 30

$199.99 - below

$10.00 + $.10 per check/debit after 30

Bonus Banking Club Account

  • No minimum deposit to open 
  • Free personalized basic checks
  • Contact a New Accounts Rep for more details about Bonus Banking!

Monthly Fee

Account TypeMonthly Fee

Basic Club Account


Personal Club Account


Family Club Account


Seniors (55+)

Half Price

High Class 55 Account 

  • Must be age 55 or over to qualify 
  • No minimum deposit to open
  • 50 free personalized basic checks

Monthly Fee

No service fees are applied to the High Class 55 Account.

Four Plus Account

  • For students or less than $20,000 annual income
  • No minimum deposit to open 

Monthly Fee

$4.00 monthly service fee and $0.50 Per Check/Debit after 10.

View Our Terms & Conditions

Manage Your Debit Card

Manage your Bank of DeSoto Debit card today by downloading the Card Secure app from your mobile app store.  

Learn More


Location & Hours Card Services Mobile Banking Online Banking
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