--- title: Personal Checking description: Personal Checking | Covington --- [Skip to content](https://covcobank.com/personal-checking#main-content) ######   ![fdic (1)](https://covcobank.com/hs-fs/hubfs/fdic%20(1).png?width=82&height=35&name=fdic%20(1).png)FDIC Insured – Backed by the full faith and credit of the U.S. Government - [Home](https://covcobank.com/homepage) - [Personal Banking](https://covcobank.com/personal-checking) - [Certificates of Deposit](https://covcobank.com/certificates-of-deposit) - [IRAS](https://covcobank.com/individual-retirement-accounts) - [Savings & Money Market](https://covcobank.com/savings-money-market) - [Business Banking](https://covcobank.com/business-checking) - [Lending](https://covcobank.com/covington-county-bank-lending) - [Agricultural Lending](https://covcobank.com/agricultural-lending-in-mississippi) - [Services](https://covcobank.com/services) - [Fees](https://covcobank.com/fees) - [About](https://covcobank.com/about-us) - [Contact](https://covcobank.com/contact) - [Online Banking Login](https://covcobank.unifi-digitalbanking.com/login) [![header-logo](https://covcobank.com/hubfs/header-logo.svg "header-logo")](https://covcobank.com/homepage?hsLang=en) - [Home](https://covcobank.com/homepage) - [Personal Banking](https://covcobank.com/personal-checking) Show submenu for Personal Banking - [Certificates of Deposit](https://covcobank.com/certificates-of-deposit) - [IRAS](https://covcobank.com/individual-retirement-accounts) - [Savings & Money Market](https://covcobank.com/savings-money-market) - [Business Banking](https://covcobank.com/business-checking) - [Lending](https://covcobank.com/covington-county-bank-lending) Show submenu for Lending - [Agricultural Lending](https://covcobank.com/agricultural-lending-in-mississippi) - [Services](https://covcobank.com/services) - [Fees](https://covcobank.com/fees) - [About](https://covcobank.com/about-us) - [Contact](https://covcobank.com/contact) - [Online Banking Login](https://covcobank.unifi-digitalbanking.com/login) - [Home](https://covcobank.com/homepage) - [Personal Banking](https://covcobank.com/personal-checking) Show submenu for Personal Banking - [Certificates of Deposit](https://covcobank.com/certificates-of-deposit) - [IRAS](https://covcobank.com/individual-retirement-accounts) - [Savings & Money Market](https://covcobank.com/savings-money-market) - [Business Banking](https://covcobank.com/business-checking) - [Lending](https://covcobank.com/covington-county-bank-lending) Show submenu for Lending - [Agricultural Lending](https://covcobank.com/agricultural-lending-in-mississippi) - [Services](https://covcobank.com/services) - [Fees](https://covcobank.com/fees) - [About](https://covcobank.com/about-us) - [Contact](https://covcobank.com/contact) - [Online Banking Login](https://covcobank.unifi-digitalbanking.com/login) # Personal Checking ###   Free Banking Account  $50.00 minimum to open ### Regular Checking $100.00 minimum to open $7.00 monthly service charge if the daily collected balance drops below $500.00 any day during the month ### Club Plus Checking $100.00 minimum to open $7.50 monthly service charge for Personal Plan ($10,000 Accidental Death Insurance) $8.50 monthly service charge for Joint Plan ($20,000 Accidental Death Insurance) $9.50 monthly service charge for Family Plan ($30,000 Accidental Death Insurance as well as $1,500.00 Accidental Death Insurance per child) ### Covington Gold Checking $100.00 minimum to openMust be age 50 and up to qualify $6.00 monthly service charge if the daily collected balance drops below $100.00 any day during the month Interest is earned on balances of $1,000.00 or more. ### Covington Gold PLUS Checking $100.00 minimum to open
Must be age 50 and up to qualify $4.00 monthly service charge
 Interest earned on all balances ### NOW Accounts $1,000.00 minimum to open $7.00 monthly service charge if the daily collected balance drops below $1,000.00 any day during the month ## Have Questions? We’re Here to Help Connect with our team to learn more about our banking services and lending solutions. [Speak With a Banker](https://covcobank.com/contact?hsLang=en) [![footer-logo](https://covcobank.com/hubfs/footer-logo.svg)](https://covcobank.com/homepage?hsLang=en) Covington County Bank has proudly served the people of Mississippi since its founding on May 1, 1975. For over five decades, the bank has grown and evolved alongside the communities it serves, consistently adapting to the changing financial landscape while maintaining its commitment to personalized, local banking. ![fdic](https://covcobank.com/hs-fs/hubfs/fdic.png?width=191&height=82&name=fdic.png) ![EHLlogo](https://covcobank.com/hs-fs/hubfs/EHLlogo.png?width=100&height=118&name=EHLlogo.png)   [![Covco thumbnail](https://covcobank.com/hs-fs/hubfs/Covco%20thumbnail.png?width=800&height=1200&name=Covco%20thumbnail.png)](https://51162556.hs-sites.com/equal-opportunity-for-all?hsLang=en)   ### Quick Links - [Home](https://covcobank.com/homepage) - [Personal Banking](https://covcobank.com/personal-checking) - [Business Banking](https://covcobank.com/business-checking) - [Lending](https://covcobank.com/covington-county-bank-lending) - [Services](https://covcobank.com/services) - [Fees](https://covcobank.com/fees) - [About](https://covcobank.com/about-us) - [Contact](https://covcobank.com/contact) - [Online Safety Tips](https://covcobank.com/online-safety-tips) ### Get in touch ![Location](https://covcobank.com/hubfs/Location.svg) Covington County Bank - Main Office 102 South Dogwood Collins, MS 39428 ![Calling](https://covcobank.com/hubfs/Calling.svg) (601) 765-6551 ![Location](https://covcobank.com/hubfs/Location.svg) Seminary Branch 51 Highway 590 W Seminary, MS 39479 ![Calling](https://covcobank.com/hubfs/Calling.svg) (601) 722-3776 ![Calling](https://covcobank.com/hubfs/Calling.svg) Debit Card Activation (866) 633-5293 ![Calling](https://covcobank.com/hubfs/Calling.svg) Lost/Stolen Card: 800-500-1044 © Copyright 2026 Covington County Bank. All Rights Reserved. [Privacy Policy](https://covcobank.com/privacy-policy?hsLang=en)