Business Details
41 Years
experience
Your Trusted Community Bank in Southwest Mississippi
Pike National Bank was founded in 1985 with a vision to serve Southwest Mississippi as a community-focused financial institution. Over 39 years, we have grown to manage over $350 million in assets while maintaining a personal touch that distinguishes us from larger institutions. Our team of 80 employees combines deep local knowledge with professional expertise to deliver tailored banking solutions for individuals and businesses. We specialize in checking and savings accounts, mortgage and personal loans, credit services, and investment products like CDs and IRAs. Our board and leadership team, many of whom have been associated with the bank since its inception, uphold the founding principles of integrity and community stewardship.We prioritize face-to-face interactions and local decision-making, ensuring clients receive personalized service that aligns with their financial goals. Our FDIC-insured status and commitment to transparency reinforce our position as a trusted banking partner. Through continuous innovation in digital banking tools and community engagement initiatives, we strive to enhance the quality of life for our customers and the regions we serve.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Personal Loans
CDs/IRAs
Business Banking
Online Banking
Debit Cards
Loan Refinancing
Financial Planning
Details
- Year established: 1985
Highlights and features
- We have over 39 years of experience serving Southwest Mississippi
- Our locally owned community bank offers personalized service
- We provide a wide range of financial products tailored to individual needs
- Our team of experienced bankers knows the local market
- We are committed to improving the quality of life in our communities
Associations and certifications
- FDIC
Services
Checking Accounts
We offer four checking account options designed to meet diverse financial needs. Our E-Checking 2.0 provides digital convenience with no paper statements, while Hometown Checking combines simplicity with low fees. Platinum Checking caters to seniors with no monthly maintenance fees, and Perfect Checking offers interest earnings alongside enhanced services. All accounts include debit cards, digital banking tools, and personalized customer support to help manage daily finances effectively.
Mortgage Loans
Our mortgage lending team provides comprehensive home financing solutions including fixed-rate mortgages, balloon mortgages, and construction loans. We offer competitive rates with flexible terms up to 30 years and specialize in local market expertise. The loan process emphasizes face-to-face consultations and typically closes within 15-30 business days. Additional services include home equity lines of credit and debt consolidation mortgages that leverage home equity for financial flexibility.
Personal Loans
We provide versatile personal loan options for various life needs including vehicle purchases, debt consolidation, and major purchases. Our lending specialists work closely with clients to create customized loan structures with competitive rates and manageable repayment terms. Available loan types cover automobiles, recreational vehicles, boats, and unsecured financing options. The application process emphasizes personal credit history rather than automated scoring systems.
Savings Accounts
Our savings solutions include standard savings accounts, Christmas Club savings for holiday planning, and Peak Money Market accounts offering higher interest rates. The Perfect Savings account accommodates various opening deposit amounts while providing market interest rates. These accounts balance accessibility with growth potential, featuring tiered interest rates based on account balances and specific withdrawal limitations to encourage disciplined saving habits.
CDs/IRAs
We offer Certificates of Deposit with terms ranging from 15 days to 5 years, providing secure growth opportunities with fixed rates. Our Individual Retirement Accounts include both Traditional and Roth options with tax advantages for long-term financial planning. These products feature competitive interest rates and flexible maturity options, supported by personalized guidance to help clients choose between immediate tax deductions and tax-free withdrawals in retirement.
People
Jennifer S. Wallace
CEO/President
Jennifer leads Pike National Bank with over three decades of banking experience. She has been instrumental in maintaining the bank's community focus while implementing modern financial solutions. Her leadership emphasizes personalized service and local decision-making.
E. James Wicker
Vice Chairman
James serves as Vice Chairman with extensive knowledge of the bank's operations. He has contributed to strategic planning and community development initiatives, ensuring alignment with the bank's founding principles of integrity and local stewardship.
Diane H. Cothern
Executive Vice President
Diane oversees key banking operations with deep understanding of customer needs. Her 20+ years at the bank have focused on developing financial products that balance profitability with community benefit.
John Burch
Board Member
John contributes board expertise through long-term involvement with the bank. His perspective combines historical knowledge with forward-looking strategies to maintain the institution's community banking ethos.
Keith A. White
Board Member
Keith provides governance leadership with insights from decades of banking experience. He focuses on maintaining the bank's financial stability while preserving its community-oriented mission.
Questions
How do I reset my online banking password?
Contact us at 601-684-7575 during business hours for immediate assistance. After hours, use the 'Answer Personal Question' feature in your account settings.
Can I use savings accounts for bill payments?
Federal regulations restrict direct bill payments from savings accounts. Transfer funds to your checking account through online banking first.
How do I apply for a mortgage loan?
Contact our mortgage team to discuss your needs. Provide identification, income documentation, and property details. We typically close loans within 15-30 business days.
What checking account options are available?
We offer four options: E-Checking 2.0 (digital), Hometown Checking (low fees), Platinum Checking (senior benefits), and Perfect Checking (interest-earning).
How can I access secure email communication?
Request a secure email connection from your PNB contact. They will send an encrypted email with setup instructions for our secure messaging system.
What loan types do you offer for personal needs?
We provide loans for automobiles, boats, recreational vehicles, debt consolidation, construction projects, and general consumer needs with flexible repayment terms.
