a family of four in their kitchen

Personal Savings

Whether you’re just starting to save or want to build your nest egg, at Southwest Missouri Bank, we can help you meet your goals!




















  • $5 minimum deposit to open
  • Earn interest on balance (interest rate subject to change)
  • No service fee when you maintain a $100 minimum daily balance
  • $2 per month when the balance falls below $100
  • Withdrawal fee $1 per item when over 6 debit items* per month

*Debit Items include checks and electronic (ACH) items
  • Account for children 13 and under
  • $1 minimum deposit to open
  • No monthly service charge
  • No minimum balance
  • Earn interest on balance (interest rate subject to change)
  • Parties and prizes for deposits

The Moola Moola kids are having fun - check it out!

  • CDs offer guaranteed earnings while your principal stays intact (early withdrawal penalties may apply)
  • Terms range from 6 months to 5 years with varying interest rates
  • Interest rate locked in at time of deposit
  • IRAs are a safe way to plan for your retirement
  • Terms range from 6 months to 5 years with varying interest rates
  • Interest rate locked in at time of deposit











































Regular
Savings
Moola Moola
for 13 and under
Minimum To Open $5 $1
Minimum Daily Balance $100 None
Monthly Fee if Below Minimum Daily Balance $2 None
Per Debit Item Charge $1 per withdrawal over 6 per month None
Interest Earned Yes Yes
Debit Card ATM Card No
Free Transactions at SMB ATMs Yes N/A
Free Online & Mobile Banking Yes Yes
Free Electronic Statements Yes Yes
Paper Statement Fee per Month None None

Deposit Rates

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