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Personal Checking

Southwest Missouri Bank has several different checking accounts to fit your everyday personal needs. Whether you are looking for an account that pays interest, a free debit card with rewards, or free online banking and bill pay, look no further!

Free Checking Plus

Our Free Checking Plus account has many benefits including no minimum balance and no monthly transaction requirements. With this account, you can receive your direct deposit, take advantage of mobile banking and all of its features, and even enjoy SMB Debit Card Rewards and Apple Pay.

  • Minimum $50 to open
  • No minimum daily balance
  • Free debit card
  • Free online banking and bill pay
  • Free electronic statements
  • $3 per month if you elect to receive paper statements
  • Statements include check images
Lifestyles Checking

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

  • For customers 50 and over
  • Minimum $50 deposit to open
  • No monthly service charge when you maintain a $1,000 minimum daily balance or combined deposits of $5,000
  • $7.50 per month and $.15 per check over 25 when balance is under minimum
  • Earn interest on balance (interest rate subject to change)
  • Free debit card
  • Free online banking and bill pay
  • Free Lifestyles checks (one box per order)
  • Enjoy travel and seminar opportunities
  • Free money orders and cashier’s checks
  • Free newsletter
  • Monthly statement with images
  • Electronic statement available
  • No penalty for early withdrawal from CD for medical expense needs

Upcoming Lifestyles Events >>

Contact your lifestyles Advisor >>

Interest Bearing Checking

Who doesn’t want to earn interest on their money? Check out our Interest Bearing Checking.

  • Minimum $50 deposit to open
  • No monthly service charge when you maintain a $750 minimum daily balance
  • $7.50 per month and $.15 per check over 25 when balance is under minimum
  • Earn interest on balance (interest rate subject to change)
  • Free debit card
  • Free online banking and bill pay
  • Monthly statement with images
  • Electronic statement available
Money Market Checking

Do you like the idea of a savings account but want the benefits of a checking account? This Money Market account may be what you’re looking for.

  • Minimum $50 deposit to open
  • No monthly service charge when you maintain a $2,500 minimum daily balance
  • $7.50 per month when balance is under minimum
  • Limit of 6 checks/electronic debits per month
  • In-person transfers & withdrawals are unlimited
  • Certain restrictions may apply to transfers by other methods
  • Earn interest on balance — tiered rates (interest rate subject to change)
  • Free online banking
Health Savings Account

Do you have a high-deductible health insurance plan?  The Health Savings Account (HSA) may be just what you need. You can save for medical expenses and reduce your taxable income all with one account. To see if you are eligible, please consult IRS regulations or your insurance provider.

  • Security — Use your HSA to protect against high or unexpected medical bills.
  • Affordability — Lower your health insurance premiums by switching to a higher deductible plan.
  • Flexibility — Use your HSA funds to pay for current medical expenses, including expenses that insurance may not cover, or save the money for future needs.
  • Convenience — Make contributions electronically or in person
  • Minimum $50 deposit to open
  • No monthly service charge
  • Free Health Savings debit card
  • Earn interest on balance (interest rate subject to change)
  • Monthly statement, paper or electronic
  Free Checking Plus Interest
Bearing
Lifestyles
for 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
Monthly Charge 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)
Annual Debit Card Fee None None None None
Free ATM Transactions at SMB ATMs Yes Yes Yes Yes
Free Online & Mobile Banking Yes Yes Yes Yes
Free Electronic Statements Yes Yes Yes Yes
Paper Statement Fee Per Month $3 None None None

 

eStatements-Plus — Our electronic statements allow you to view, print, or save your statements to your computer anytime, anywhere. 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 items. 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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