Personal Checking
Southwest Missouri Bank has 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!
Our Free Checking Plus account has many benefits including no minimum balance and no monthly transaction requirements. With this account, you can receive your direct deposit, take advantage of mobile banking and all of its features, and even enjoy SMB Debit Card Rewards and Apple Pay.
- Minimum $50 to open
- No minimum daily balance
- Free debit card
- Free online banking and bill pay
- Free electronic statements
- $3 per month if you elect to receive paper statements
- Statements include check images
One of our most popular accounts. Find out now if you qualify.
- For customers 50 and over
- Minimum $50 deposit to open
- No monthly service charge when you maintain a $1,000 minimum daily balance or combined deposits of $5,000
- $7.50 per month and $.15 per check over 25 when balance is under minimum
- Earn interest on balance (interest rate subject to change)
- Free debit card
- Free online banking and bill pay
- Free Lifestyles checks (one box per order)
- Enjoy travel and seminar opportunities
- Free money orders and cashier’s checks
- Free newsletter
- Monthly statement with images
- Electronic statement available
- No penalty for early withdrawal from CD for medical expense needs
Who doesn’t want to earn interest on their money? Check out our Interest Bearing Checking.
- Minimum $50 deposit to open
- No monthly service charge when you maintain a $750 minimum daily balance
- $7.50 per month and $.15 per check over 25 when balance is under minimum
- Earn interest on balance (interest rate subject to change)
- Free debit card
- Free online banking and bill pay
- Monthly statement with images
- Electronic statement available
Do you like the idea of a savings account but want the benefits of a checking account? This Money Market account may be what you’re looking for.
- Minimum $50 deposit to open
- No monthly service charge when you maintain a $2,500 minimum daily balance
- $7.50 per month when balance is under minimum
- 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
Do you have a high-deductible health insurance plan? The Health Savings Account (HSA) may be just what you need. You can save for medical expenses and reduce your taxable income all with one account. To see if you are eligible, please consult IRS regulations or your insurance provider.
- Security — Use your HSA to protect against high or unexpected medical bills.
- Affordability — Lower your health insurance premiums by switching to a higher deductible plan.
- Flexibility — Use your HSA funds to pay for current medical expenses, including expenses that insurance may not cover, or save the money for future needs.
- Convenience — Make contributions electronically or in person
- 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 | Interest Bearing |
Lifestyles for 50 & Over |
Money Market |
|
| Minimum To Open | $50 | $50 | $50 | $50 |
| Minimum Daily Balance | None | $750 | $1,000 or combined deposits of $5,000 | $2,500 |
| Monthly Charge If Below Minimum Daily Balance | N/A | $7.50 | $7.50 | $7.50 |
| Per Check Charge | None | $.15 ea. after 25 if under daily minimum balance | $.15 ea. after 25 if under daily minimum balance | None |
| Number of Checks Allowed | Unlimited | Unlimited | Unlimited | 6 per month |
| Interest Earned | No | Yes | Yes | Yes (Tiered) |
| Annual Debit Card Fee | None | None | None | None |
| Free ATM Transactions at SMB ATMs | Yes | Yes | Yes | Yes |
| Free Online & Mobile Banking | Yes | Yes | Yes | Yes |
| Free Electronic Statements | Yes | Yes | Yes | Yes |
| Paper Statement Fee Per Month | $3 | None | None | None |
| Free Checking Plus | Interest Bearing |
Lifestyles for 50 & Over |
Money Market |
|
| Minimum To Open | $50 | $50 | $50 | $50 |
| Minimum Daily Balance | None | $750 | $1,000 or combined deposits of $5,000 | $2,500 |
| Monthly Charge If Below Minimum Daily Balance | N/A | $7.50 | $7.50 | $7.50 |
| Per Check Charge | None | $.15 ea. after 25 if under daily minimum balance | $.15 ea. after 25 if under daily minimum balance | None |
| Number of Checks Allowed | Unlimited | Unlimited | Unlimited | 6 per month |
| Interest Earned | No | Yes | Yes | Yes (Tiered) |
| Annual Debit Card Fee | None | None | None | None |
| Free ATM Transactions at SMB ATMs | Yes | Yes | Yes | Yes |
| Free Online & Mobile Banking | Yes | Yes | Yes | Yes |
| Free Electronic Statements | Yes | Yes | Yes | Yes |
| Paper Statement Fee Per Month | $3 | None | None | None |
| Free Checking Plus | Interest Bearing |
Lifestyles for 50 & Over |
Money Market |
|
| Minimum To Open | $50 | $50 | $50 | $50 |
| Minimum Daily Balance | None | $750 | $1,000 or combined deposits of $5,000 | $2,500 |
| Monthly Charge If Below Minimum Daily Balance | N/A | $7.50 | $7.50 | $7.50 |
| Per Check Charge | None | $.15 ea. after 25 if under daily minimum balance | $.15 ea. after 25 if under daily minimum balance | None |
| Number of Checks Allowed | Unlimited | Unlimited | Unlimited | 6 per month |
| Interest Earned | No | Yes | Yes | Yes (Tiered) |
| Annual Debit Card Fee | None | None | None | None |
| Free ATM Transactions at SMB ATMs | Yes | Yes | Yes | Yes |
| Free Online & Mobile Banking | Yes | Yes | Yes | Yes |
| Free Electronic Statements | Yes | Yes | Yes | Yes |
| Paper Statement Fee Per Month | $3 | None | None | None |
| Overdraft Options | SMB Debit Cards | Mobile Wallets |
| Having purchases returned due to insufficient funds can be frustrating and costly. We have some options to help keep you protected. | 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. | Paying made simple. Make payments using your SMB debit card on your phone or smart device. It's as easy as tap, pay, done. |
| Learn more >> | Learn more >> | Learn more >> |
| Switch Kit | eStatements | Order Checks |
| 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. | View, print, or save your statements anytime with our electronic statements. They’re environmentally friendly, secure, and free! | Do you need checks? It's easy to order online with Deluxe. |
| Get started >> | Learn more >> | |
| Overdraft Options | SMB Debit Cards |
| Having purchases returned due to insufficient funds can be frustrating and costly. We have some options to help keep you protected. | It's an expectation to have access to your 24 hours a day and that's what you get with your Debit Card. Make ATM deposits, earn Rewards and much more. |
| More info >> | More info >> |
| Mobile Wallets | Switch Kit |
| Paying made simple. Make payments using your SMB debit card on your phone or smart device. It's as easy as tap, pay, done. | 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. |
| More info >> | More info >> |
| eStatements | Order Checks |
| View, print, or save your statements anytime with our electronic statements. They’re environmentally friendly, secure, and free! | Do you need checks? It's easy to order online with Deluxe. |
| More info >> | |
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.
eStatements
View, print, or save your statements anytime with our electronic statements. They’re environmentally friendly, secure, and free!
Order Checks
Do you need checks? It's easy to order online with Deluxe.
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