West Plains

Main Bank
11 Court Square
West Plains, MO 65775
(417) 256-2147
Fax: (417) 256-1531
Lobby Hours:
Monday - Friday 9 a.m. - 4:30 p.m.

We're proud to serve you and the West Plains community

West Plains Bank and Trust Company Main Bank, which commenced operation in 1883, is the oldest continually operated business in the area. Headquartered on Court Square in West Plains, Mo., West Plains Bank and Trust Company’s main location has occupied four different buildings in the downtown area since it originally opened.
Main Bank is staffed by some of the most experienced community bankers in the area. Their extensive knowledge, coupled with a progressive attitude toward technology, results in a high level of service that is focused on customer needs. Whether looking for a loan or retail banking services, business or personal, customers will find what they need at West Plains Bank and Trust Company.

Serving the community is among the core values of West Plains Bank and Trust Company. The employees are dedicated to pouring volunteer hours into the many activities in the region. It’s not unusual to find us handing out free T-shirts, assisting the high school girls’ basketball team in raising awareness and money for local cancer treatment services, participating in benefit walks/runs, presenting financial literacy lessons to students, and more. Sure, we put a lot of dollars back in the community, but also put a lot of valuable time into the causes that mean the most to us all.

At West Plains Bank and Trust Company, we value the communities we serve. We are dedicated to making them financially stronger and healthier at every level. Providing local businesses and individuals with helpful banking that makes sense for them is just the beginning.

As members of the Willow Springs community, our employees understand our customers are more than clients—you’re neighbors. We take the time to listen first, and then apply our years of banking experience to find the best services and products to support your goals. Our Willow Springs branch proudly supports the community and finds opportunities to give back through participation in local charities and events.

Personal Checking Accounts

Your money, your checking, your way.

Are you ready for a personal checking account that works for you? We have several checking account options from free checking accounts to direct interest checking accounts for you to choose from. Click here to compare our personal checking account options to discover which account is the perfect fit for your banking needs. And we make switching banks easy with our Switch Kit!

Click here to open a checking account online

Personal Savings Accounts

Invest in your future.

No matter your age, job or financial situation, everyone needs to prepare for the future. We are here to help you do just that. Watch your savings grow with one of our personal savings accounts. With competitive interest rates and a variety of account options, from Santa savings accounts to money market accounts, we can help your money go further. Click here to compare our personal savings account options to discover which account is the perfect fit for your banking needs.

Click here to open a savings account online

Personal CDs

Get safe and secure savings with a CD

If you have money saved for a future financial goal and would like to earn interest until you need it, a certificate of deposit (CD) is a great option. Along with earning interest, the account is FDIC insured. We offer competitive interest rates to help you meet your savings goals. All of our certificate of deposit accounts have a choice of maturities ranging from 1 month to 5 years with a minimum deposit of $1,000.

Click here to learn more about our high-yield CDs, visit our Willow Springs location or contact a customer service representative.

Home Loan Products

Your trusted mortgage experts

We want to help you secure your dream house with our flexible home loans that can be tailored to fit your individual needs. Are you a first-time buyer starting the home mortgage process and exploring home loans? Are you looking for home loans for a construction project or large repair? Maybe you’re interested in the flexibility of a home equity line of credit for a home improvement project. No matter what type of home loans you’re interested in, we can customize a loan product to fit your specific needs or home mortgage.

Apply Now for a Home Loan

Commercial Loan Products

Let us help you grow

We want to be your banking partner to help you with all your commercial business loan needs, including small business loans and commercial property loans. Whether you are acquiring, managing, or growing a small business, or need a startup business loan in Willow Springs or the surrounding area, we can help you find a loan that’s customized to fit your cash flow needs.

Apply Now for a Commercial Loan

Karen Smith
Branch Manager
  • Specializes in retail banking - business and personal accounts, and deposit products
  • Joined West Plains Bank and Trust Company in 1998
  • Enjoys community involvement, and time with her family
  • "I find it so fulfilling, working with customers who come to the bank for trusted advice and help with their financial needs. It's important to me that they feel confident that their banker connects with them and understands their wishes."