Personal Banking

Personal Deposit Products


All West Plains Bank and Trust Company checking accounts come with FREE Visa Debit Cards, FREE online banking, FREE Bill Pay and FREE Mobile Banking with Apps!

 

Hometown Checking Accounts

Hometown Value Checking

  • $6 monthly fee
  • $40 to open or sign up for direct deposit
  • Free Online Banking, Mobile Banking, and Bill Pay
  • $2,500 ID Theft Protection
  • Roadside assistance
  • Cell phone protection
  • Local & national dining savings
  • Local & online shopping discounts
  • Nationwide travel, hotel, recreation & entertainment discounts
  • Savings on prescriptions, vision & hearing aids
  • $10,000 accidental death insurance*

*Insurance products are not FDIC insured, not a deposit, not an obligation of or guaranteed by West Plains Bank and Trust Company, its affiliates, or any government agency.

Hometown Interest

  • Earn a premium rate of interest
  • Minimum balance to earn interest is $7,500
  • If the balance falls below $1,000 any day of the month, a $6 fee will be assessed

Hometown Free with E-Statement Checking

FREE, non-interest checking

  • No monthly fee, no minimum balance
  • $40 to open or sign up for direct deposit
  • Internet banking and E-Statements required

Hometown Basic Checking

  • $2 monthly fee, no minimum balance
  • $40 to open or sign up for direct deposit
  • Paper statement provided

Go Club Checking

FREE checking for those age 50 and better

  • Minimum balance of $500 must be maintained. *
  • Direct deposit or $10,000 deposit relationship required
  • Free checks (one box per order) **
  • Earns interest on balances over $1,500 ***
  • Free cashier’s checks, money orders and notary service
  • 25% discount on safe deposit boxes
  • $2,500 ID Theft Protection
  • Group travel opportunities on special Go Club excursions

Not a member of the Go Club, or want to find out more? Click here to get additional information!

*A $3 cycle service charge will be incurred if the balance falls below $500 at any point during the cycle period.
** One box per year of a basic check style only is offered.  Customer is responsible for shipping and handling costs with the order.  
     Customer is responsible for the entire purchase price, shipping and handling associated with special design check orders.
*** Ask a bank representative for the current interest rate. This is a variable rate account and rate is subject to change without notice.

Positive Prepaid Accounts

  • Click here to view information on the Positive Prepaid account products.

   Hometown Statement Savings Account

  • Account earns a competitive interest rate
  • Minimum balance to open the account and earn interest is $100.00
  • A monthly fee of $3.00 will be charged only if the balance falls below $300.00 any day during the month.
  • 6 FREE withdrawals per month in person or by mail.  Other limitations apply.

Youth Savings Account

  • A great way to get children in the habit of saving
  • Must be 18 years or younger to qualify
  • Minimum balance to open the account and earn interest is $10.00
  • 6 FREE withdrawals per month in person or by mail.  Other limitations apply. 

Premium Money Market Account

  • Earn a premium rate of interest
  • Minimum balance to open the account and earn interest is $1,000.00
  • If the balance falls below $1,000.00 any day of the month, a $10.00 fee will be assessed.
  • Transfers from a Premium Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle.
  • An excess withdrawal fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment our of this account) in excess of six during a statement cycle.

Health Savings Accounts (HSAs)

  • An interest bearing account to save for medical expenses
  • Tax-Exempt custodial account exclusively for paying or reimbursing qualified medical expenses
  • Must be eligible and covered by a high-deductible health plan. Consult your tax advisor
  • Maximum annual contributions apply and are set by the Internal Revenue Service
  • Contributions to an HSA may be tax deductible. Consult your tax advisor

Certificates of Deposit

  • Minimum deposit to open is $1,000.00
  • Choice of maturities ranging from 1 month to 5 years
  • A service fee will be imposed for early withdrawal

Individual Retirement Accounts (IRAs)

An IRA may provide tax-advantaged savings for qualified individuals and may be an effective way to supplement other long-term savings and retirement plans. Consult your tax advisor.

  • Minimum deposit to open is $500.00
  • Maximum annual contributions apply

Safe Deposit Boxes

  • Available at Main Bank, North Branch, and Liberty Branch

For more information on these products, or to open any of these accounts, please call or visit a branch today.

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