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Personal Saving, Investing, and Planning

Whether you’re just starting to save or want to build your nest egg, here at Southwest Missouri Bank, we can help you meet your goals!

Regular Savings
  • $5 minimum deposit to open
  • Earn interest on balance (interest rate subject to change)
  • No service charge when you maintain a $100 minimum daily balance
  • $2 per month when the balance is under minimum
  • Withdrawal fee $1 per item when over 6 withdrawals per month
Moola Moola Savings (children 13 and under)
  • $1 minimum deposit to open
  • No monthly service charge
  • No minimum balance
  • Earn interest on balance (interest rate subject to change)
  • Parties throughout the year and a prize for each deposit
Money Market Checking
  • 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
Certificates of Deposit
  • CDs offer guaranteed earnings while your principal stays intact*
  • Terms range from 6 months to 5 years with varying interest rates (interest rates subject to change)
  • Interest rate locked in at time of deposit
  • Various minimum deposit requirements
Individual Retirement Account
  • IRAs are a safe way to plan for your retirement
  • Traditional and Roth IRA plans are available*
  • Can be opened in branch or with our Investment Services
    Meet our Investment Team
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
  Passbook Savings Moola Moola 13 & Under
Minimum To Open $5 $1
Minimum Daily Balance $100 None
Monthly Charge If Below Minimum Daily Balance $2 None
Per Item Charge $1/withdrawal in excess of 6/mo. None
Earns Interest Yes — Paid Quarterly Yes — Paid Quarterly

*Penalties for early withdrawal apply