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Find the best checking account for you with five affordable options.
Checking Contact Form
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Get a great starter account with a low $25 opening balance requirement, fewer fees, and free services like online banking and direct deposit.
Perfect for students ages 18 to 25, this free account offers online and mobile banking with money management tools and overdraft protection.
This convenient debit-card-only account provides greater security than cash with smart features to limit overdrafts. No credit check or history required.
Brighter futures begin with HOPE, and we make it easy to start yours.
It’s quick and convenient to open your account online with our easy-to-use application.
Stop by your nearest branch and open your account with a
representative.
All our checking accounts offer free online and mobile banking³, electronic bill payment, e-statements, HOPEAnytime Check Cards, and direct deposit.
We know you work hard for your money, so you deserve to keep more of it. Our accounts have fewer fees than big banks and check cashers.
Four of our five accounts have no minimum opening balances. Accounts that waive monthly fees based on balances also require very small minimum balances to receive that benefit.
We believe everyone deserves access to affordable everyday financial services. We have account options for individuals with no or damaged credit history.
All our checking accounts offer free online and mobile banking3, electronic bill payment, e-statements, HOPEAnytime Check Cards, and direct deposit.
Four of our five accounts have no minimum opening balances. Accounts that waive monthly fees based on balances also require very small minimum balances to receive that benefit.
We know you work hard for your money,
so you deserve to keep more of it. Our accounts
have fewer fees than big banks
and check cashers.
We believe everyone deserves access to affordable everyday financial services. We have account options for individuals with no or damaged credit history.
The power of HOPE enables our members to live their best lives. See how we’ve empowered their financial success—and how we can help you too.
When opening a checking account, you will need:
It takes minutes to open your checking account online, over the phone or in person.
After your checking account is opened, you’ll receive your HOPEAnytime ATM/check card within 12 to 15 business days. This card allows you to make purchases in-person or online and withdraw cash at ATMs.
All HOPE checking accounts feature:
400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803
3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111
4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424
8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027
1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447
1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691
1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475
188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387
140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406
546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744
120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054
350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975
1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780
16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614
917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005
134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070
109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468
106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137
470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886
1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501
3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518
1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133
2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872
Checking Contact Form
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Disclaimers
1APY=Annual Percentage Yield. APYs accurate as of 6/4/2024. Rates may change after the account is opened.
2There is no minimum balance required to open a HOPE Rewards Checking account.
3Members must meet certain terms and conditions to open a HOPE Rewards account. Members are limited to one HOPE Rewards Checking account as a primary account holder. No commercial account may participate in this program.
4Dividends are paid on accounts with positive balances.
5Your wireless carrier may charge data or text messaging fees.
6If HOPE Rewards Checking qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to the account on the last day of monthly statement cycle; an ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to $10,000 receive an APY of 5.12%; and (3) balances over $10,000 earn a 0.50% dividend rate on the portion of the balance over $10,000. If qualifications are not met on HOPE Rewards Checking accounts, all balances earn 0.10% APY.
7The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1 – March 31). Contact us for more information about the qualification cycle. The advertised HOPE Rewards Checking APY is based on compounding dividends. Dividends earned in a HOPE Rewards Checking Plus account are automatically transferred to a linked HOPE Rewards Savings Plus account each statement cycle and do not compound. The actual dividend amount paid may be less than the advertised HOPE Rewards Checking account APY. The HOPE Rewards Savings Plus APYs may be less than HOPE Rewards Checking account APYs. If qualifications in a HOPE Rewards Checking Plus account are met each monthly qualification cycle: (1) balances up to $10,000 in HOPE Rewards Savings Plus accounts receive an APY of 1.01%; and (2) balances over $10,000 in HOPE Rewards Savings Plus accounts earn a dividend rate of 1.51% on the portion of the balance over $10,000. If qualifications are not met on HOPE Rewards Checking Plus accounts, all balances in HOPE Rewards Savings Plus accounts earn 0.10% APY. At our discretion, we may change the dividends paid on all tiers, and/or cap at any time. Fees may reduce earnings.
8Qualifying transactions must post to and settle to the HOPE Rewards Checking account during the monthly qualification cycle. The qualification cycle is not the same as your monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account.
9Transfers between accounts do not count as qualifying transactions. ATM-processed withdrawals do not count as qualifying debit card transactions.
