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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 Payments can be made as a minimum monthly payment directly withdrawn from your checking account or managed at SMBonline at your convenience.
- FREE — Exactly like it sounds - free. [Details]
- 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
- REGULAR CHECKING — Check images a must-have for you? This is the account you need. [Details]
- 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
- LIFESTYLES — One of our most popular accounts! Find out now if you qualify. [Details]
- 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. [Details]
- 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. [Details]
- 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
- Interest-bearing checking account
- First order of 50 checks free
- Free Health Savings debit card
- No monthly service charge
