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Savings Accounts

Statement Savings Account

  • Required opening balance of $100.00
  • $4.00 service charge per month if balance falls below $300.00 at any time during the statement cycle
  • Interest paid monthly*
  • Monthly statement
  • ATM transactions permitted
  • Direct ACH deposits permitted
  • Regulation D applies**

Passbook Savings Account

  • Required opening balance $10.00
  • Interest paid quarterly*
  • Annual statement
  • Passbook must be present for all transactions
  • Lost Passbook charge $5.00
  • No Electronic Funds Transfer (EFT) activity permitted.  This includes, but is not limited to ACH deposits, ACH payments to third parties, internet banking transfers or other electronic activity.
  • Regulation D applies**

Christmas Club Account

  • Payments to a Christmas club account will be transferred on a weekly basis from an existing account at The Missouri Bank
  • Maximum of $50/week per customer
  • Transfers will begin on the first Monday of November
  • If not opened by the first Monday of November, payments must be brought up to date
  • No new Christmas club accounts will be opened after the third Monday of November
  • The Missouri Bank will make the last payment if customer has made the first 49 payments.
  • Checks will be mailed the fourth week in October

*At our discretion, we may change the interest rate and the annual percentage yield on Statement Savings and Passbook Savings Accounts at any time.  If you close your account, any unpaid accrued interest will be credited to your closing balance.  Interest begins to accrue on the business day you deposit cash and/or non-cash items.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

** Regulation D transaction limitations:  Limitations to the Statement Savings Account and Passbook Savings Account apply to preauthorized transfers, automatic transfers, telephone transfers, computer transfers, checks drafts, debit card transactions, or by similar order to third parties  are limited to no more than six per statement cycle.  Transaction limitations do not apply to transfers or withdrawals made by mail, messenger, ATM, or in person.  If you exceed the transfer limitations set forth above, your account will be subject to change or closure.