a family of four in their kitchen

Personal Checking

We have the perfect account for you. Whether you are looking for an account that pays interest, a free debit card with rewards, or free online banking and mobile app, look no further!




















  • 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
  • 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
  • Free monthly statement, paper or electronic
  • No penalty for early withdrawal from CD for medical expense needs


*Debit Items include checks and electronic (ACH) items
  • 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
  • Free monthly statement, paper or electronic
*Debit Items include checks and electronic (ACH) items
  • 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
  • Free monthly statement, paper or electronic
  • 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)
  • Free 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

Avoid expensive overdrafts. We have some options to help keep you protected.


Debit Cards

Pay for purchases from your checking account and earn rewards in the process.


Deposit Rates

View and compare our current deposit rates on checking, savings, certificates of deposit and more.



























































Want digital solutions and a friendly banker?

We're ready to welcome you to the family.





































"Best bank in the area. Love SMB."
Karina W.

"This is our bank. They're part of our family!"
Steve W.

"SMB has always been there when I needed help."
Ellen B.

"We have been banking with SMB for over 25 years. Checking, savings, and loans, they are the best ever. We will always bank with SMB."
Donna M.

"Love our home town bank and the service they provide!"

Barbara E.













"Absolutely the only place to bank."
Sara R.

"My first & only bank!"
Emily G.

"Local, friendly, and always great customer service!"
Allison S.

"Love working with SMB personally and for business."
Carolyn C.

"I chose SMB for my home loan. They’ve taken care of me for everything else, so why would I go anywhere different?"
Ashley G.

"The best bank there is. Will never go anywhere else. You rock SMB."
Nancy T.

"Best bank, hands down!!"
Kim J.

"SMB customer service is Amazing!"
Lisha M.

"I moved away from the Joplin area and SMB is still our bank!"
Karoline R.