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Personal Savings

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

Regular Savings
  • $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

Moola Moola Children's Savings
  • 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
Certificates of Deposit (CD)
  • 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
Individual Retirement Account (IRA)
  • 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
  Passbook
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

Member FDIC | Equal Housing Lender Equal Housing Lender
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