Personal Savings Accounts

As the old Proverb says, “The art is not in making money, but in keeping it.”  We can help you start saving your money today to get a jump start on tomorrow's goals!  We offer three different savings account options.




Statement Savings

Passbook Savings

Christmas Club


Piggy Bank Image

Savings Passbook

Christmas Gift


Looking simply to save money? This account is perfect to start saving and earn interest with a low minimum balance required.

The perfect account for teaching your kids financial responsibility! They’ll get an actual passbook to track all transactions and earn quarterly interest, too!

Want to get a jump start on saving for the holidays? This account is perfect for putting away money each week to access just in time for the holidays. And even, better… we’ll make the last payment for you!*

Required opening balance



Maximum of $50/week per customer

Interest Bearing?

Interest paid monthly**

Interest paid quarterly**

*The Missouri Bank will make the last payment if customer has made first 49 payments

Activity Fees

$4.00 service charge per month if balance falls below $300.00 at any time during the statement cycle

No monthly service charges

$5.00 charge for lost passbooks (passbook must be present for all transactions)

If not opened by the first Monday of November, payments must be brought up to date

Electronic Funds Activity (EFT)

ATM transactions permitted

Direct ACH deposits permitted

No EFT activity permitted; this includes, but is not limited to ACH deposits, ACH payments to third parties, internet banking transfers or other electronic activity

Payments will be automatically transferred on a weekly basis from an existing account at The Missouri Bank beginning the first Monday of November

Special Features

Monthly statements


Annual statements


No new Christmas club accounts will be opened after the third Monday of November

Checks will be mailed the fourth week in October

Voice Access Line 800-344-2437

**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.


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