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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.

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 Instant Issue debit card
  • SMB Rewards - Earn points with every debit card purchase
  • Free online banking and bill pay
  • Free mobile banking and mobile deposit
  • 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.

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 Instant Issue debit card
  • 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
for 50 & Over
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
SMB Debit Card Rewards Yes Yes Yes Yes
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
Overdraft Options
Having purchases returned due to insufficient funds can be frustrating and costly. We have some options to help keep you protected.

SMB Debit Cards
It's an expectation to have access to your money 24 hours a day and that's what you get with your debit card. Make ATM deposits, earn Rewards and much more.

Mobile Wallets
Paying made simple. Make payments using your SMB debit card on your phone or smart device. It's as easy as tap, pay, done.

Switch Kit
Ready to move your accounts to the friendliest bank around? Our Switch Kit makes it easy with forms to switch your direct deposit, automatic payments and transfers.

View, print, or save your statements anytime with our electronic statements. They’re environmentally friendly, secure, and free!

Order Checks
Do you need checks?
It's easy to order online with Deluxe.

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