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Compare Personal Checking Accounts

What is the best checking account for you?

The best checking account depends on how you bank. If you want a simple no-fee account, Simply Free Checking may be the right fit. If you want to earn interest, Direct Interest Checking, Premium Interest Checking, or 50+ Checking may be a better choice depending on your balance, age, and banking goals.
 
You can open any personal checking account with as little as $50. Enjoy $0 monthly service charge (requirements with some accounts, outlined below).  You will receive a thank you gift* when you open an account and we will even buy back your unused checks and debit cards** from another financial institution when you switch to West Plains Bank and Trust Company.

 Find a branch near you or give us a call at  (417) 256-2147.

Choose Simply Free Checking if you want:

  • No monthly service charge.
  • No minimum balance requirement.
  • A simple, everyday checking account with digital banking tools.
More Info

Choose Direct Interest Checking if you want:

  • To earn interest on your checking balance.
  • No monthly service fee or minimum balance requirement.
  • An account that works well with direct deposit or automatic payments. 
More Info

 

 


Choose Premium Interest Checking if you want:

  • Premium interest rates on qualifying balances.
  • Free standard bank-issued checks.
  • A checking account suited for maintaining at least $1,500 in balance.
More Info

Choose 50+ Checking if you want:

  • A checking account for customers age 50 and older. 
  • Competitive interest with no hidden monthly charges. 
  • Everyday banking tools paired with interest earnings
More Info




























Which Checking Account Is Right for You?

 

Best free checking account

If avoiding monthly fees and keeping things simple is your priority, Simply Free Checking is your best fit. It offers core checking features without a monthly service charge or minimum balance requirement.

Best checking account for earning interest

If your goal is to grow your balance while keeping full access to your money, Direct Interest Checking may be the right option. It combines interest earnings with standard checking convenience.

Best checking account for higher balances
If you regularly maintain a larger balance and want the strongest earnings potential, Premium Interest Checking is built for that purpose. It rewards qualifying balances with premium rates and includes free standard checks.

Best checking account for customers 50 and older
If you are age 50 or older and want to earn interest while avoiding hidden fees, 50+ Checking offers a strong combination of value and convenience.

Common Features Across Our Checking Accounts

Depending on the account you choose, West Plains Bank and Trust checking accounts may include features such as free debit cards, online banking, mobile banking, mobile deposit, bill pay, direct deposit, and FDIC-insured banking.
Frequently Asked Questions
What is the best checking account for everyday use?
If you want a simple account with no monthly service charge and no minimum balance requirement, Simply Free Checking is a strong option. 

Which checking account earns interest?
Direct Interest Checking, Premium Interest Checking, and 50+ Checking all offer interest earnings on qualifying balances. 

Which checking account is best if I keep a higher balance?
Premium Interest Checking is designed for customers who maintain at least $1,500 and want premium interest rates. 

Is there a checking account for customers age 50 and older?
Yes. 50+ Checking is specifically designed for customers age 50 and older and includes interest-earning features. 

Can I open a checking account online?
Yes. Online account opening is available.

Open the Right Checking Account Today

Whether you want free checking, interest checking, or an account designed for a specific stage of life, West Plains Bank and Trust offers options built around how you bank. Compare your choices, choose the account that fits your needs, and open your account online or visit a local branch to get started.

*Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value.
**Up to $10 for checks or debit cards from another financial institution, given at the time the checks or debit cards are presented.
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Refer a Friend

Refer a Friend to West Plains Bank and Trust Company and receive a FREE gift when they open an account***

 
***Refer a Friend gift will be choice of $10 Amazon gift card or Brentwood® Cooler (subject to availability).