Personal Checking
We have 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
- Minimum $50 deposit to open
- No monthly service fee
- Free debit card
- SMB Rewards - Earn points with every debit card purchase
- Free online banking and bill pay
- Free mobile banking and mobile deposit
- Free electronic statements
- $3 per month if you elect to receive paper statements
Lifestyles Checking
- For customers 50 and over
- Minimum $50 deposit to open
- No monthly service fee when you maintain a $1,000 minimum daily balance or combined deposits of $5,000
- $7.50 per month and $.15 per debit item* over 25 when balance falls under minimum
- Earn interest on balance (interest rate subject to change)
- Free 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
- Electronic statement available
- No penalty for early withdrawal from CD for medical expense needs
Contact your Lifestyles Advisor >>
*Debit Items include checks and electronic (ACH) items
Interest Bearing Checking
- Minimum $50 deposit to open
- No monthly service fee when you maintain a $1,000 minimum daily balance
- $10 per month and $.15 per debit item over 25 when balance falls under $1,000
- Earn interest on balance (interest rate subject to change)
- Free debit card
- SMB Rewards - Earn points with every debit card purchase
- Free online banking and bill pay
- Free mobile banking and mobile deposit
- Electronic statement available
*Debit Items include checks and electronic (ACH) items
Money Market Checking
- Minimum $50 deposit to open
- No monthly service fee when you maintain a $2,500 minimum daily balance
- $10 per month when balance falls under $2,500
- 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
- Electronic statement available
Health Savings Account
- To be eligible for an HSA, you must have a qualified High Deductible Health Plan (HDHP)
- To determine your eligibility, please consult IRS regulations or your insurance provider
- HSA funds are used to pay current medical expenses or save money for future medical needs
- 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 | Lifestyles for 50 & Over |
Interest Bearing |
Money Market |
Health Savings | |
|---|---|---|---|---|---|
| Minimum To Open | $50 | $50 | $50 | $50 | $50 |
| Minimum Daily Balance | None | $1,000 OR combined deposits of $5,000 | $1,000 | $2,500 | None |
| Monthly Charge If Below Minimum Daily Balance | None | $7.50 | $10 | $10 | None |
| Per Debit Item Charge | None | $.15 ea. after 25 if under daily minimum balance | $.15 ea. after 25 if under daily minimum balance | None, Limit 6 per month | None |
| Interest Earned | No | Yes | Yes | Yes, tiered | Yes |
| Debit Card | Yes | Yes | Yes | Yes | Yes |
| SMB Debit Card Rewards | Yes | Yes | Yes | Yes | No |
| Free Transactions at SMB ATMs | Yes | Yes | Yes | Yes | Yes |
| Free Online & Mobile Banking | Yes | Yes | Yes | Yes | Yes |
| Free Electronic Statements | Yes | Yes | Yes | Yes | Yes |
| Paper Statement Fee per Month | $3 | None | 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.
Deposit Rates
View and compare our current deposit rates on checking, savings, certificates of deposit and more.
Order Checks
Do you need checks?
It's easy to order online with Deluxe.
It's easy to order online with Deluxe.
Member FDIC | Equal Housing Lender 
©2019 Southwest Missouri Bank