Personal Saving, Investing, and Planning

Southwest Missouri Bank has savings accounts that help you manage your finances and save for a special something or an unexpected expense.

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 savings accounts in a quick and simple table CLICK HERE.

• REGULAR SAVINGS - A savings account is a great way to earn interest on your money and still have convenient access to it. [Details]
• Minimum to open $5
• Minimum daily balance $100
• Service charge of $2 if balance falls below minimum daily balance
• Withdrawal charge of $1 in excess of 6/month
• Interest paid quarterly
• MOOLA MOOLA SAVINGS - Miss Moola Moola leads children 13 and under through the world of money and savings. She makes it fun, while at the same time educating kids about the importance of saving for special items. [Details]
• Minimum $1 to open
• No minimum balance
• No service charge
• No per-item charge
• Interest paid quarterly
• Easter Egg Hunt, Moola Moola Night at the Drive-In, Christmas Party, Birthday Card, and a prize for each deposit!
• MONEY MARKET CHECKING - Transfers done by telephone, pre-authorized, automatic, computer, check, draft or similar order to third parties are limited to 6 per statement cycle. In-person or ATM withdrawals are unlimited. [Details]
• 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
• CERTIFICATES OF DEPOSIT (CD) - CDs offer guaranteed earnings while your principal stays intact. Terms range from 6 months to 5 years with varying interest rates.* [Details]
• Interest rate locked in at time of deposit
• Various minimum deposit requirements
• INDIVIDUAL RETIREMENT ACCOUNT (IRA) - IRAs are a safe way to plan for your retirement. Traditional and Roth IRA plans are available. We can help you choose the right one for your situation.*
• HEALTH SAVINGS ACCOUNT - Save for medical and retiree health expenses on a tax-free basis. SMB offers an interest-bearing HSA checking account. The account offers checks and a debit card to use the account just like a checking 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

SMB Investment Services can help take the mystery out of investing, Annuities and Retirement Planning. We want to help you reach your goals. We offer a private, confidential consultation and can then develop a workable financial plan.

*Penalties for early withdrawal apply