Personal Checking

Banking Built Around You

At Community Bank of Missouri, we value relationships. Each account represents a personal connection. Whether you're opening your first account or looking for a better banking experience, our personal checking accounts offer the convenience, security, and flexibility you need. 
 

Basic Checking

  • $100.00 opening balance required
  • $100.00 daily minimum balance required – a $2.00 monthly service fee will be assessed if minimum balance is not maintained
  • $2.00 per month paper statement fee – fee waived if enrolled in E-statements

 

Student Checking

This special account is designed for students who are ages 14 - 22

  • $50.00 opening balance required
  • No minimum monthly balance required
  • Three (3) Overdraft (Paid or Returned) per item fees may be waived each business day. Community Bank of Missouri reserves the right to revoke this privilege at any time.

Upon the primary owner turning 23, Student Checking accounts will automatically be reassigned as Basic Checking accounts. 

 

Elite 50 Checking

This special account is designed for customers that are 50 years of age or better

    • $100.00 opening balance required
    • No minimum monthly balance required
    • Interest will be calculated on average daily balances of $2,500.00 and above. See Current Rates.
    • Free Cashier’s checks
    • 20% discount on all check orders placed with Community Bank of Missouri
    • $2.00 per month paper statement fee waived

 

Premier Checking

  • $100.00 opening balance required
  • $2,500.00 daily minimum balance - a $15.00 monthly service fee will be assessed if minimum balance is not maintained
  • Interest is calculated on average daily balances per a tiered interest rate - See Current Rates.
  • $2.00 per month paper statement fee – fee waived if enrolled in E-statements

 

Money Management

  • $1,000.00 opening balance required
  • $1,000.00 daily minimum balance required - $10.00 monthly service fee will be assessed if minimum balance is not maintained
  • 6 withdrawals allowed per month - $10.00 monthly service fee if transaction limit is exceeded
  • Interest is calculated on average daily balances per a tiered interest rate - See Current Rates.
  • $2.00 per month paper statement fee – fee waived if enrolled in E-statements
  • Debit cards are not available for this account
 

New Account Requirements

When opening a new account with Community Bank of Missouri, we will ask you to provide an unexpired government-issued photo ID, such as a driver's license or a passport and a second form of ID with your name on it such as a voter registration card, insurance card, utility bill, tax receipt, or debit/credit card for each owner or authorized signer. 
 
Click the link below to complete our Customer Information Profile form for each owner or authorized signer: 
 
Bring your two forms of ID with each completed Customer Information Profile form(s) to either of our bank locations to complete the account opening process.
 
Our personal checking account options are also available for Trust and Estate Accounts. Please provide copies of Trust and Estate documents at account opening.  
 

Features
All checking products are accompanied by the following for your convenience:

  • First Name, Friendly Service
  • Online Banking and Bill Pay
  • Mobile Banking
  • Text Banking and Alerts
  • E-statements
  • Send money with Zelle® - a fast, safe, and easy way to send money
 

 

Linked Account Agreement

A $35.00 overdraft funds fee may apply when your account is overdrawn. With a Linked Account Agreement, you can reduce that fee to $15.00 by automatically transferring funds, in increments of $50.00, from another eligible account to cover the overdraft. 
 

MoneyPass®

For round-the-clock purchasing convenience, our Contactless Mastercard® debit card may be used anywhere that Mastercard® is accepted. You can also withdraw funds after hours at either of our bank location ATM terminals. Out of town? No problem - find a MoneyPass® ATM on our website or use www.moneypass.com.
 
 











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