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Personal Checking

Southwest Missouri Bank has several different checking accounts to fit your everyday personal needs. You can view the details on each account and compare accounts in the quick and simple table below.

Free Checking Plus

Exactly like it sounds - free.

  • Minimum $50 to open
  • No minimum daily balance
  • No service charge with electronic statements
  • No check writing limitations
  • Free Debit/ATM card
  • Check images included with the statement
  • $3 per month if you elect to receive paper statements
Lifestyles Checking

One of our most popular accounts! Find out now if you qualify.

  • Customer must be 50 or over
  • Minimum $50 to open
  • Minimum daily balance of $1,000 or more
  • Service charge of $7.50 if balance falls below minimum daily balance
  • Per check charge of $.15 after 25
  • Free checks (limit one box per order)
  • Free cashier's checks, and money orders for one
  • Earns interest on balance (interest rate subject to change)
  • Travel (see your local Lifestyles Representative for details)
  • Seminars
  • Free Debit/ATM card
Interest Bearing Accounts

Do you want to be able to earn interest on your money and still have access to your money? Check out these accounts.

Interest Bearing Checking

  • Minimum $50 to open
  • Minimum daily balance of $750
  • Service charge of $7.50 if balance falls below minimum daily balance
  • Per check charge of $.15 after 25
  • Free Debit/ATM card

Money Market Checking

  • Minimum $50 to open
  • Minimum daily balance of $2,500
  • Service charge of $7.50 if balance falls below minimum daily balance
  • In-person transfers & withdrawals are unlimited
  • Certain restrictions may apply to transfers by other methods
  • Free Debit/ATM card
Health Savings Account

Would you like to keep your health-related funds separate from your everyday use money? Would you also like to be able to pay health-related bills directly from one account? We would like to introduce you to this new account. Find out from your tax professional if you qualify for this account.

  • Security - Your high deductible insurance and HSA protect you against high or unexpected medical bills.
  • Affordability - You should be able to lower your health insurance premiums by switching to health insurance coverage with a higher deductible.
  • Flexibility - You can use funds in your account to pay for current medical expenses, including expenses that insurance may not cover, or save the money for future needs.
  • Savings - You can set the money aside in your account for future medical expenses and grow your account through investment earnings.
  • Control - You make all the decisions about how much money to put into the account, whether to save for future expenses or pay current medical expenses, and which medical expenses to pay from the account
  • Minimum $50 to open
  • Interest-bearing checking account
  • Free Health Savings debit card
  • No monthly service charge
  Free Checking Plus Interest-
Bearing
Lifestyles
50 & Over
Money
Market
Minimum To Open $50 $50 $50 $50
Minimum Daily Balance None $750 $1,000 or combined deposits of $5,000 $2,500
Service Charge Per Month If Below Minimum Daily Balance N/A $7.50 $7.50 $7.50
Per Check Charge None $.15 ea. after 25 if under daily minimum balance $.15 ea. after 25 if under daily minimum balance None
Number of Checks Allowed Unlimited Unlimited Unlimited 6 per month
Interest Earned No Yes Yes Yes (Tiered)
Check/ATM Card Annual Fee None None None None
Free ATM Transactions
at SMB ATMs
Yes Yes Yes Yes

 

  Free Checking Plus Interest-
Bearing
Lifestyles
50 & Over
Money
Market
Minimum To Open $50 $50 $50 $50
Minimum Daily Balance None $750 $1,000 or combined deposits of $5,000 $2,500
Service Charge Per Month If Below Minimum Daily Balance N/A $7.50 $7.50 $7.50
Per Check Charge None $.15 ea. after 25 if under daily minimum balance $.15 ea. after 25 if under daily minimum balance None
Number of Checks Allowed Unlimited Unlimited Unlimited 6 per month
Interest Earned No Yes Yes Yes (Tiered)
Check/ATM Card Annual Fee None None None None
Free ATM Transactions
at SMB ATMs
Yes Yes Yes Yes

Electronic Statements - Receive your account statements and notices via email. Can be viewed, printed, or saved to your local computer. eStatements-Plus are environmentally friendly, secure, and free!

More info on eStatements Plus >>

Bounce Protection - Available to customers who maintain an account in good standing. Ask your banker for more information.

Ready Cash Reserve - Transfers funds automatically to your checking account if you overdraft. Interest accrues just like a loan, on a daily basis until paid in full. Ask your banker for more information.

Account Link - Link your account to a savings, money market account or another checking account. Transfers are made as needed to cover insufficient debits. Ask your banker for more information.

SMB's electronic banking services can make your banking easier. Whether it's paying your bills, transferring money to or from another bank, or something as simple as checking your balance, you can do it when it is convenient for you!

Save money and time with NetTeller.

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