Personal Deposit Products

All West Plains Bank and Trust Company checking accounts come with with FREE Visa Debit Cards, FREE online banking, FREE Bill Pay and FREE Line One telephone banking!

Hometown Free Checking

FREE, non-interest checking

No monthly fee, no minimum balance
$25 to open or sign up for direct deposit

Smart Checking

FREE checking with interest

Competitive, high interest rate on all balances*
High interest rate on the first $30,000; competitive rate on balances over $30,000
Free identity theft protection (includes $1,000 protection, payment card protection and 6 months free Identity Guard^® credit monitoring services)
15 debit card transactions per month, direct deposit or ACH transaction and E-statements required to earn high interest

*Ask a bank representative for the current interest rate.
This is a variable rate account and rates subject to change without notice.

Super Smart Checking

Highest yielding account and a variety of benefits at a low cost

High interest rate on the first $30,000; competitive rate on balances over $30,000*
Free identity theft protection (includes $2,500 protection, payment card protection and 6 months free Identity Guard^® credit monitoring services)
$5,000 Travel Accidental Death Insurance**
Dining, entertainment, travel, prescription, vision and hearing discounts.
First box of checks is free
3 free Cashier's Checks per month
25% Discount on Safe Deposit Boxes
20 debit card transactions per month, direct deposit or ACH transaction and E-statements required to qualify for high interest
$6 monthly membership fee, which is waived with 30 debit card uses per month

*Ask a bank representative for the current interest rate.
This is a variable rate account and rates subject to change without notice.
**INSURANCE PRODUCTS ARE NOT BANK DEPOSITS AND ARE NOT INSURED BY THE FDIC OR OTHER REGULATORY AGENCIES. THEY ARE NOT OBLIGATIONS OF, OR GUARANTEED BY, WEST PLAINS BANK AND TRUST COMPANY OR OTHER AFFILIATED ENTITIES, ARE NOT CONDITION OF A LOAN, AND MAY LOSE PRINCIPAL VALUE.

Go Club Checking

FREE checking for those age 50 and better

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
Free identity theft protection (includes $2,500 protection, payment card protection and 6 months free Identity Guard^® credit monitoring services)
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!

*Ask a bank representative for the current interest rate.
This is a variable rate account and rates subject to change without notice.
**Limited styles available. One box per year.

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.