Personal Checking
Southwest Missouri Bank has several different checking accounts to fit your everyday personal and business needs. Click on the details link to find out more about the accounts we offer, or use our wizard and find the account that is right for you. If you want to compare our checking accounts in a quick and simple table click here.
Electronic Statements are available for your checking and savings accounts. Receive your account statements and notices via email. eStatements-Plus are just like your original paper statement or notice only emailed to you rather than delivered by U.S. Mail. They can be viewed, printed, or saved to your local computer. eStaements-Plus are environmentally friendly, secure, and FREE! For more information on eStatements-Plus, click here.
Bounce Protection is one of the privileges provided to those maintaining an account in good standing with SMB. Bounce funds are accessible when writing a check, using an ATM or Check card. Ask a Customer Service Representative for more information.
We also offer Ready Cash Reserve, or RCR. RCR conveniently transfers funds automatically to your checking account in the event of an overdraft. Funds are transferred to cover items in $100 increments. Interest accrues just like a loan, on a daily basis until paid in full. Payments can be made as a minimum monthly payment directly withdrawn from your checking account or managed at SMBonline at your convenience.
•Minimum $50 to open
•No minimum daily balance
•No service charge
•No check writing limitations
•Basic statements (no check images included)
•Free Debit/ATM card
•Minimum $50 to open
•Minimum daily balance of $400 or more
•Service charge of $6 per month if balance falls below minimum daily balance
•Per check charge of $.15 after 25
•Free Debit/ATM card
•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, money orders, and Traveler's Checks 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 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.
•Transfers done by telephone, pre-authorized, automatic, or computer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties
•Free Debit/ATM card
•Interest-Bearing checking account
•First order of 50 checks free
•Health Savings debit card
•No monthly service charge
•Free Debit/ATM card
