• Home Banking
  • Mobile Banking
  • Bill Pay
  • eStatements
  • Remote (Mobile) Check Deposit
  • EZ Call

Home Banking

MidSouth Community’s Home Banking makes it easy to do your banking from home, the office, or wherever you have internet access.

Currently, there are two PHP versions which are being used, PHP 4 and PHP 5. Even though PHP 4 is no longer developed, there are a lot of scripts still using this older version, due to its proven qualities. At NTC Hosting, we believe in the power of choice. The main difference between php4 and php5 is vastly improved Object Oriented model in PHP5, PHP5 introduces magic methods, abstract classes, interfaces, finality, exceptions, new functions, new extensions, static methods etc.

Have The Ability To:

  • View account balances/history
  • View/print images of checks
  • Pay bills with online bill pay
  • Block your debit card
  • Stop a payment
  • Transfer funds between your MidSouth Community accounts
  • Transfer funds between other MidSouth Community accounts
  • Set up alerts to keep informed about account balances, transactions, and other important activity
  • View eStatements
  • Order checks
  • Download transaction history to Quicken

Additional Features:

  • Customize each page and decide how and where accounts are displayed.
  • Not only does Home Banking require a unique user ID and password to login, you are also asked to verify a secret image. Also, members set up security questions and answers in case additional identification is needed – it’s triple the security, triple the assurance.

Helpful Home Banking Instructions:

Mobile Banking

With the MidSouth Mobile iPhone® & Android® App, you can:

  • View account balances
  • Transfer funds between MidSouth Community accounts
  • View transaction history
  • View alerts
  • Find branch/ATM locations

Mobile & Text Banking

Have account access at your fingertips anytime, anywhere with MidSouth Community’s Mobile & Text Banking.

  • View account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay bills to existing payees
  • View locations/ATMs
  • View alerts

Enroll Your Device for Mobile Banking:

  • Log into Home Banking
  • Select ‘Settings’
  • Select ‘Mobile Settings’
  • Register your mobile device and select your wireless provider
  • Read and accept the terms and conditions
  • Expect to receive an enrollment text from [email protected] with a link to the mobile site.
    Note: Message and data rates may apply.

You can also access your account through Mobile Banking by directing your mobile device web browser to

Enroll Your Device for Text Banking:

  • Log in to Home Banking
  • Select ‘Settings’
  • Select ‘Text Settings’
  • Register your mobile device and select your wireless provider
  • Select the accounts you want text access from your mobile device
  • Review enrollment information
  • Read and accept the terms and conditions
  • Expect to receive an enrollment text from 89549.
    • Reply ‘YES’ to the message you receive
  • Valid SMS messages
    • Help – Returns command references
    • Bal – Returns balance for enrolled accounts.
    • Bal <mobile short name> – returns balance for specified account
    • Hist – returns last 4 transactions for enrolled accounts
    • Hist <mobile short name> returns last 4 transactions for specified account
    • Stop – disables enrollment from Text Banking

Bill Pay

Set up, modify, or cancel a payment with ease. Log in to Home Banking, and select Bill Pay from the menu.

  • Save money without using checks, stamps, or envelopes
  • Schedule your credit card, auto loan, or utility payment in minutes
  • Make a one-time payment, or set up future and recurring payments
  • Check payment history at a glance
  • Send a gift to family and friends by scheduling a person-to-person payment

View this helpful step-by-step demo to learn more about using Bill Pay.

If you have any questions, please contact Bill Pay Support at 1.877.268.4702.


Eliminate paper clutter with this environmentally friendly way to view your monthly statement. eStatements are an electronic version of your regular paper MidSouth Community statement that you would normally receive by mail.

Service Benefits:

  • Are FREE to MidSouth Community members
  • Help the environment by reducing paper consumption
  • Receive your statement sooner, instead of waiting for it to arrive by mail
  • Protect yourself against identity theft and feel safer with less paper to shred and fewer account documents in your mailbox
  • Have the ability to view, print, or save your eStatement
  • View cleared checks* by clicking on the corresponding check numbers on the eStatement

*If the draft was cleared electronically by the merchant, a copy of the check will not be available.

How to enroll in eStatements:

  • Log in to Home Banking
  • Select ‘eStatements’ from the menu
  • Click ‘Continue’ and select ‘Statement Type’ (paper or electronic)
  • Provide a valid e-mail address
  • Read and accept the terms and conditions
  • The agreement contains the requirements for your computer system to be able to receive eStatements

How to retrieve your eStatement:

  • An e-mail will be sent when the monthly statement becomes available
  • Log in to Home Banking
  • Select ‘eStatements’** from the menu
  • Choose the appropriate statement from the available list
  • View, print, or save your statements

**If you receive an e-Statement, you will no longer receive a paper statement.

Remote (Mobile) Check Deposit

Make check deposits in a snap

Remote Deposit enables you to deposit checks in minutes, whenever and wherever you want when you use MidSouth Community Federal Credit Union’s mobile banking app.

Fast and safe

It’s as simple as making a phone call or sending a picture to a friend. Each step in the process is described right on screen.


How to register for remote deposit:

  • Open the MidSouth Mobile app
  • From the menu button, select Remote Deposit
  • Follow the prompts to register – agree to terms of service & select all accounts you would like to make a remote deposit

How to remotely deposit a check:

  • Select the + symbol to deposit a new check
  • Make sure you endorse the back of your check by both signing your name AND printing “For Remote Deposit Only”. If your check is not properly endorsed, your remote deposit cannot be completed.
  • Take a picture of the front and back of the check using the camera on your mobile device
  • Choose the account to receive the check deposit
  • Enter the check deposit amount
  • Review and submit the check images for deposit into your account

NOTE: You will receive one of 2 emails shortly after submitting your deposit

  • If your deposit was immediately approved, you will receive an email that states “your deposit has been reviewed”. Check your account balance to see if the funds have been made available.
  • If your deposit was not immediately approved, you will receive an email that states “your deposit is pending further review.” After your deposit has been reviewed you will receive another email that states Your deposit submitted on “MM/DD/YYYY” , totaling $xx.xx has been approved for deposit. However, a hold may be placed on your deposit. Please check your available balance in your account to determine if a hold has been placed on your deposited item or contact us at 478-471-9946.”

All deposits made before 4:00 PM (EST) on a business day will be reviewed on that business day. Any deposit made after 4:00 PM (EST) or on a weekend or holiday will be reviewed on the next business day.

EZ Call

Your time is important to you, and you are important to us. EZ Call is a terrific time-saver for you. It allows you to check your account balances and transact business with the touch of a button. When you call, simply follow the menu prompts provided to check your account history, make a transfer, or even stop a payment on your account at any time, day or night. Regardless of the number of inquiries, EZ Call has NO fees.

Local: 478.757.7985
Toll Free: 1.866.878.5101

Which PHP version to use? This is the question that we will try to answer in this article, presenting you with a detailed comparison between PHP 4 and PHP 5.


PHP, or Hypertext Preprocessor, has been the most used programming language for web pages for more than 8 years now, and for an industry, which is changing every few months, this is a really big achievement. In order to stay on top of things, the PHP Team is constantly working on improving the code in every way possible.

Currently, there are two PHP versions which are being used, PHP 4 and PHP 5. Even though PHP 4 is no longer developed, there are a lot of scripts still using this older version, due to its proven qualities.

At NTC Hosting, we believe in the power of choice. This is why we offer both the no longer developed PHP 4 and the currently supported version PHP 5, with all of our web hosting plans to form a powerful php hosting offer. Our clients can easily select the active PHP version for their account at any moment, and then can change it as many times as they want, using our user friendly PHP Settings Tool in the Web Hosting Control Panel.

And to assist in your choice, we will now take a closer look at the differences between the two most popular PHP versions.

Php4 Vs Php5

The first thing that comes to mind when you start to compare PHP 4 and 5 is the:

Object Model

Php4 Php5 Differences

The Object Model was present in PHP 4, but it was completely reworked in PHP 5. Here are some of the most important updates:

Php 7.1 Download

  • Passed by Reference

    This is one of the most important innovations in PHP 5. In PHP 4 everything, including objects, was passed by value. This has been changed in PHP 5 where everything is passed by reference.
    PHP Code:

    $pObject1 = new Object();
    $pObject2 = new Object();

    This is a typical PHP 4 code - if you wanted to duplicate an object, you had to copy it and assign a new value to it. In PHP 5 the coder can simply use the 'clone'. This also means that you no longer need to use the reference operator (&) for your code.
    Here is how the same code will look in PHP 5 :

    $pObject1 = new Object();
    $pObject2 = clone $pObject1;

    Since we were chaning only the name, we 'cloned' the first object and simply changed the value that needed changing.

  • Class Constants and Static Methods/Properties

    With PHP 5 you can safely create class constants that act in very much the same way as do defined constants, but are limited within a class definition and can be accessed with '::'. Have in mind that constants must have a constant expression for a value; they can't be equal to a variable or a result of a function call.
    Here is how you can define a constant:
    PHP Code:

    const constant = 'constant value';

    And here is how the constant can be accessed in a defined class:
    PHP Code:

    class MyClass
    const constant = 'constant value';
    function showConstant() {
    echo self::constant . 'n';

    The Static Methods and Properties are also a PHP 5 innovation. When a class member is declared as static, it's accessible with '::' without an instance.

  • Visibility

    In PHP 5 another addition is the 'visibility' of the class methods and properties. The visibility has 3 levels:

    • Public - the most visible. Methods can be read by everyone and properties can be written or read by anyone.
    • Protected - the members are visible only by the actual class they are a part of, as well as by subclasses and parent classes.
    • Private - members are visible only to the actual class they are a part of.
    Here is an example of how members are declared<?php
    * Define ClassA
    class ClassA
    public $public = 'Public';
    protected $protected = 'Protected';
    private $private = 'Private';
    function printHello()
    echo $this->public;
    echo $this->protected;
    echo $this->private;
    $bor = new ClassA();
    echo $bor->public; // Will work
    echo $bor->protected; // Will give you a fatal error
    echo $bor->private; // Will give you a fatal error
    $obj->printHello(); // Will display Public, Protected and Private
    * Define ClassB
    class ClassB extends ClassA
    // we can redeclare both the public and protected method, but we can't redeclare the private one
    protected $protected = 'Protected2';
    function printHello()
    echo $this->public;
    echo $this->protected;
    echo $this->private;
    $obj2 = new MyClass2();
    echo $obj2->public; // Will work
    echo $obj2->private; // Is now undefined
    echo $obj2->protected; // Will display a fatal error
    $obj2->printHello(); // Will show you Public, Protected2, Undefined
  • Unified Constructors and Destructors

    In PHP 4 the constructor was just a method with the same name as the name of the class. So, if you changed the name of the class, you had to go and update it every time it was used.

    In PHP 5, to spare the coders this hassle, the PHP developers have created an unified name for the constructors - '__construct()'.

    A new addition is the '__destruct()' keyword. When used, the code will be executed only when the object is destroyed.

  • Abstract Classes

    With PHP 5 you can also create the so called 'abstract' classes. These are classes, which are used only as a model to define other classes. If a certain class contains abstract method, it must be defined as abstract.

    Here is how a normal class is defined:

    class Message{

    and here is how an abstract class is defined:

    abstract class Message{
  • Interfaces

    Another new addition in PHP 5 is the 'Interfaces', which can help you design an API. The interface will define the methods, which must be implemented in a class. Have in mind that all methods which are defined in an interface must be public.

    A big advantage of this new addition is that in a class you can implement any number of interfaces.
    Here is how it all works :

    an example of a simple class:class cow {
    function moo() {
    echo 'moo, moo, moo...';
    and now we implement the interface in the class:class cow implements animal {
    function moo() {
    echo 'moo, moo, moo...';
    function breath() { echo 'cow is breathing...'; }
    function eat() { echo 'cow is easting...'; }

    When an interface is implemented in a class, the class MUST define all methods and functions of the interface, otherwise the php parser will show a fatal error.

  • Magic Methods

    All methods, starting with a double underscore ('__') are defined as 'Magic Methods'. They are set to additional functionality to the classes. It's recommended that you don't use methods with the same naming pattern.

    Some of the most used magic methods are: __call, __get, __set and __toString.

  • Finality

    The 'final' keyword has been introduced, so that a method cannot be overridden by a child now. This keyword can also be used to finalize a class in order to prevent it from having children.

  • The __autoload function

    A very useful function added in PHP 5, which can save the usage of several includes in the begging of the file. The __autoload function will load object files automatically when PHP encounters an undefined yet class.

    function __autoload($class_name) {
    require_once './includes/classes/$';

Besides the improvements to the object model, which we covered in the first part of this comparison , PHP 5 also introduces several completely new features

Php 4500 To Usd

  • Introduction of Standard PHP Library (SPL)

    The Standard PHP Library (SPL) is a set of interfaces for PHP, whose aim is to implement more efficient data access interfaces and classes. This functionality is designed to ease the access to aggregate structures, such as arrays, database result sets, XML trees, directory listings or any other lists. At the moment, SPL works mainly with Iterators.

    The main benefit of this is that, since now it is set as Standard, it can be used by everybody to provide better coding practices.

  • Miscellaneous Features and Updates

    Here are the rest of the features, which do not fall into the previous categories.

    • Type Hinting

      Limited Type Hinting is introduced in PHP 5. Now the coder can select which kinds of variables can be passed to class methods or functions. For the moment, this feature works with classes or arrays only - integers and strings are not supported.

      function echo_user(User $user) {
      echo $user->getUsername();

      A fatal error will appear if the passed parameter is not User or a subclass of User.

    • Exceptions

      Exceptions are finally added in PHP in the 5th revision of the programming language. While the exception is basically an error, by using it you can control the simple trigger_error notices, which were unchangeable in PHP 4.

      try {
      } catch (AccessDeniedException $e) {
      die('Unable to write the cache, access denied.');
      } catch (Exception $e) {
      die('Unknown error occurred : ' . $e->getMessage());

      The exceptions are basically just objects. When an error occurs you can use an exception in its place. This way, when an exception is used, the rest of the following PHP code will not be executed.

      If you are about to do something, the result of which you are unsure, you can surround it with a 'try' block and this way, if something happens, your catch block is there to catch the error message and handle it respectively.

    • E_STRICT Error Level

      In PHP 5 a new error lever is introduced - the E_STRICT error level. It's not included in E_ALL by default, so in order to use it, you will have to specify it. Its function is to notify you when deprecated code is used.

    • New Extensions

      Several new extensions are added in PHP 5. Among them, the most useful are:

      • SimpleXML - for an easier processing of XML data
      • DOM and XSL - their goal is to act in the place of DOMXML in PHP 4. With them, XML usage is much easier.
      • PDO - a very good OO interface for interacting with databases
      • Hash - you now have access to a lot of hash functions beside the most popular ones - md 5 and sha1
    • New Functions

      A lot of new functions are added to PHP 5. Here is a short list of the new additions:

      • array_combine() - it will create one array, using another two arrays - one for the keys and one for their values
      • array_walk_recursive() - a user function is applied recursively to all of the array members


      • ibase_db_info() - it will request the statistics for a database
      • ibase_name_result() - it will assign a name to a set of results
      • ibase_service_attach() - this function will connect you to the service manager
      • ibase_affected_rows() - it will return the number of rows affected by the previous query


      • iconv_strlen() - it will return the character count of a string
      • iconv_substr() - it will cut a part of a string
      • iconv_mime_decode_headers() - this function will decode several MIME headers at the same time


      • stream_copy_to_stream() - it will copy the data from one stream to another stream
      • stream_socket_get_name() - it will find the names of the local and remote sockets
      • stream_socket_sendto() - it will send a message to a socket, no matter if this socket is connected or not

      Date and time related:

      • date_sunset() - it will give you the time of the sunset for a given day and location
      • idate() - it will format the local time and date as an integer
      • date_sunrise() - it will give you the time of the sunrise for a given day and location


      • str_split() - it will convert a string to an array
      • strpbrk() - it will search the string for any set of characters specified

      For a full list of the new functions, you can visit the PHP Manual page

  • Compatibility Issues

    A section, which is vital to a lot of users. PHP 5, for the most part, is backwards compatible with PHP 4. However, there are some things that coders should bear in mind. Here is a set of the most commonly encountered issues:

    • array_merge() will now give you warnings if any of the parameters are not arrays. In PHP4, you could get away with merging non-arrays with arrays (and the items would just be added if they were say, a string). Of course it was bad practice to do this to begin with, but it can cause headaches if you don't know about it.
    • As discussed above, objects are now passed by references. If you want to copy an object, make sure to use the clone keyword.
    • get_*() now returns names as they were defined. If a class was called MyTestClass, then get_class() would return that -- case sensitive! In PHP4, they were always returned in lowercase.
    • An object with no properties is no longer considered 'empty'.
    • In some cases classes must be declared before use. It only happens if some of the new features of PHP 5 (such as interfaces) are used.

Php4 Download

For a full list of the Backwards Compatibility Issues, you can also check the PHP Manual, which contains a lot of useful information on this subject.