Best bank bonuses in Mississippi

This is an in-branch-only offer with no online enrollment; you must open the account at a First South Financial branch. Branches serve the Memphis, Tennessee metro area (Memphis, Cordova, Bartlett, Millington, and others) and Southaven, Mississippi (firstsouth.com/about/location-and-hours). Business checking only, and it is not available if you already have an FSF business checking account. New business memberships and accounts are subject to approval, and not all applicants will qualify. No expiration date is listed on the offer page.

New consumer checking customers only. Ineligible with an existing Huntington consumer checking account or one closed in the last 12 months. Separately, Huntington says it may limit an individual to one account-related cash incentive per rolling 24-month period across all deposit accounts, counted from the most recent payment, so a prior Huntington bonus can hold you back longer than the closed-account rule does.

New Truist checking customers only; not eligible if a Truist checking account was closed on or after 7/14/2025. Expires 2/2/2027.

Available online (promo code EZV3F2M) or in-branch. Ineligible if you held a personal Regions checking account within the prior 12 months. Register by Dec 31, 2026; open by Jan 31, 2027.

The offer is valid only to residents of Texas, Louisiana, Mississippi, Alabama or Florida. You have to be a new Hancock Whitney checking client: no current checking account, none closed in the past 90 days, and none closed with a negative balance in the past three years. There is a limit of one consumer checking bonus and one consumer savings bonus per household every two calendar years, with a household lifetime cap of two of each, and the bank does enforce it. Accounts have to stay open and active until the bonus is paid.

Must live, work, worship, or attend school in one of these Mississippi counties: Attala, Jefferson, Covington, Holmes, Copiah, Jones, Scott, Claiborne, Hinds, Jefferson Davis, Yazoo, Lincoln, Madison, Jasper, Lawrence, Simpson, Smith, Leake, Newton, Warren, Rankin, Neshoba, Winston. Membership eligibility path may require additional documentation.

New members only. Not available if you currently have or had within 90 days any deposit or loan product with Orion Financial. Must not have had any deposit account closed with negative balance within 3 years. DoC notes membership may be available out of state.

Freestyle Savings, available in Alabama, Florida, Louisiana, Mississippi and Texas. Fill in the form on the bank's offer page to get your promo code, then open online or at a financial center by 8/31/2026. Deposit $5,000 or more within 30 days of opening and keep a minimum daily balance of $5,000 or more for 60 days. The money must not already be on deposit at Hancock Whitney. Payment comes within 135 days of opening. Hancock Whitney limits this to one savings bonus per household every two calendar years, with a household lifetime cap of two savings bonuses, and readers report that limit being enforced. You can open the Freestyle Checking account at the same time for its own $300 bonus plus a $200 extra for doing both.

Membership: Magnolia Federal Credit Union. Open to anyone who lives, works, worships or attends school in Hinds, Madison, Rankin, Simpson, Copiah, Leake, Yazoo or Scott County in Mississippi. Membership starts with a Share Savings account and there is no membership fee. The checking account has a $0 minimum opening deposit. Transfers between accounts, person to person payments, and deposits that do not come from an employer or benefits provider may not count as a direct deposit. Good standing means the account is active, not overdrawn, and has no negative balances or restrictions. The credit union does not publish a deadline to set up the direct deposit, and it does not state how quickly the two incentives post beyond saying they are deposited once qualifications are met.

New customers only, and HSBC's definition is a lifetime one: "A 'New Customer' is someone who doesn't have a current or past HSBC account in the U.S. on file." A closed HSBC U.S. account from any point in the past disqualifies you, so this is not a 12-month or 24-month lookback. The Premier checking account must be opened by December 31, 2026. Premier qualification criteria also govern the $50 monthly fee waiver, with $100,000 in combined balances given as the example. Nationwide.

Open or upgrade to a new Chase Private Client Checking account by October 14, 2026. Top $3,000 tier requires $500,000+ in new money; $1,000 minimum tier requires $150,000. Requires an in-person/banker meeting to redeem the coupon.

New Chase business checking customers only. You are not eligible if your business already has a Chase business checking account, if you closed one within 90 days of opening it, or if you closed one with a negative balance in the past three years. Government entities, political action committees and campaign accounts are excluded, as are JPMorgan Chase employees. A signer can take one Chase business checking offer every two years counted from the last enrollment date, and only one offer applies per account. Chase does not open business deposit accounts for Hawaii businesses, so Hawaii owners cannot use this one. Chase business CREDIT CARDS are still available in Hawaii. Expires October 15, 2026.

Business checking. Promo code Q3DIG26. Expires September 27, 2026. New business checking customers only. Two accounts qualify and they are not priced the same: $1,200 needs the Platinum Business Checking Package and $25,000 held, and $400 needs U.S. Bank Business Essentials and $5,000 held. Business Essentials has no monthly maintenance fee. Platinum lists $30 a month but waives it at a $25,000 average collected checking balance, which is the same money the bonus asks you to hold.

Your business has to have annual revenue under $10 million. PNC states that limit on the offer itself, so check it before you plan anything else. New PNC business checking customers only, which means no signer on the account may already have signing authority on a PNC business checking account, have closed one in the past 90 days, or have been paid a PNC promotional premium in the past 12 months. Open a Treasury Enterprise Plan account between July 1, 2026 and September 30, 2026 and keep an average ledger balance of $30,000 or more for each of your first three statement cycles. Only the master account balance counts, so money sitting in linked beneficiary accounts does not. Your statements must cycle monthly; accounts on daily, weekly or quarterly statements are excluded. The plan lists at $50 a month but is $0 for the first three statement cycles and is waived at a $30,000 average balance, so the hold itself covers the fee. Analysis Business Checking also qualifies for the same $1,000, but avoid it unless you have a reason: its fee is only offset by an earnings credit on much larger balances, so at $30,000 you would still pay around $25 a month.

New business checking customers only. A business is not eligible if it currently owns a Wells Fargo business checking account or has closed one in the past 90 days. Sole proprietors qualify, and no LLC is required.

Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). New Chase savings customers only. Not available if you closed a Chase savings account in the last 90 days or with a negative balance in the last 3 years. One savings bonus every 2 years. Combo bonus ($400) requires also completing checking direct deposit requirement.

Once-per-lifetime: not eligible if you've ever received a FourLeaf new-checking bonus, and only one checking bonus per person. Four Leaf FCU (formerly Bethpage Federal Credit Union, rebranded 2026). Membership is open to anyone nationwide who opens a $5 savings share, with no New York residency, employer group, association, or donation required (the easy Bethpage-era path survived the rebrand). Must be a U.S. citizen or permanent resident (green-card holder); requires SSN and a government photo ID. Account must be opened between 02/02/2026 and 12/31/2026.

Must not have had a BofA personal checking account in the past 12 months; one bonus per customer every 12 months.

Business checking. New BlueVine business checking customers only. New-customer terms: has NOT had a Bluevine Business Checking account open in the last 12 months (12-month cooldown, not once-per-lifetime).

OUT-OF-STATE IS ELIGIBLE with a member referral code, backed by multiple approved out-of-state datapoints (2026-07-20: 'approved as an out-of-state applicant'; 2026-06-09 OOS instant approval; 2026-07-21 instant approval on a friend's code). Without a referral, membership runs through the CA field of membership (Stanford affiliation, or FOPAL/MOAH association). Was previously coded CA-only, which hid the offer from every non-CA user. PULLS CHEXSYSTEMS, and small CUs tolerate churners poorly, with denials reported at high inquiry counts. One bonus per member (lifetime).

Available nationwide. U.S. Bank's own wording is that the offer "may not be available if you live outside of the U.S. Bank footprint" — that is a soft clause, not a hard block. If you are outside their branch footprint, members often qualify by first opening a U.S. Bank brokerage account or credit card and then applying for the checking account. U.S. Bank accounts are obtainable by Hawaii residents (online/existing-relationship), per direct HI experience. Must not have existing US Bank consumer checking, had one in the last 12 months, or received a US Bank checking bonus in the past 12 months. Not available with Trust Accounts or Alliance partnerships.

Nationwide; open online or at branch by August 31, 2026. No signer may have an existing PNC consumer checking account or have closed one within the past 12 months, and no primary signer may have received a PNC consumer-checking promotional premium within the past 24 months.

Not available to existing Chase checking customers, or if you closed a Chase checking account within 90 days or closed one with a negative balance in the last 3 years. Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). Payroll, pension, or government benefits via ACH, RTP, FedNow, or Visa/Mastercard debit network qualify. Zelle, cash, checks, wire transfers, and interest do not. Micro-deposits do not qualify.

Primary owner only; must be new Wells Fargo checking customer and must not have received Wells Fargo consumer checking bonus in the past 12 months.

One direct-deposit bonus per SSN lifetime; new SoFi Checking & Savings users (and some existing users without prior DD setup) may qualify.