Free Checking Account with No Monthly Fees
What is Simply Free Checking?
Simply Free Checking is a no‑monthly‑fee checking account from West Plains Bank and Trust Company that provides easy access to your money with a debit card, online banking, mobile deposit, and bill pay—without minimum balance requirements.
Why Choose Simply Free Checking?
If you're looking for a straightforward, low-cost way to manage your money, this account provides the essentials you need—without unnecessary fees.
Key Benefits
- No monthly service charge
- No minimum balance requirement
- Low $50 opening deposit
- Free debit card for everyday purchases
- Free online and mobile banking
- Mobile check deposit
- Free eStatement or paper statements
- Bill pay for easy payments
- Overdraft protection options available
Manage Your Money from Anywhere
With Simply Free Checking, your account is always within reach.
Digital Banking Features
- Check balances and transaction history
- Transfer funds between accounts
- Pay bills securely online
- Deposit checks using your mobile device
- Monitor activity and manage your budget
Our mobile and online banking tools are designed to be simple, secure, and convenient. Sign up for digital banking today.
Get Paid Faster with Direct Deposit*
Set up direct deposit to have funds automatically deposited into your account, including:
- Paychecks
- Tax refunds
- Government benefits
- Investment proceeds
Direct deposit helps you avoid trips to the bank and access your money sooner.
*Direct deposit requires an active personal checking account.
Built for Everyday Banking
Simply Free Checking is ideal for:
- First-time account holders
- Customers switching banks
- Anyone looking to avoid monthly fees
- Individuals who prefer digital banking access
How to Open a Free Checking Account
Make the switch and open a Simply Free personal checking account with West Plains Bank and Trust Company. You deserve the best checking account for your needs, and we empower you to bank with free debit cards, online banking, mobile banking, bill pay and direct deposit capabilities to help you stay on top of your finances and access them wherever you go. Choose West Plains Bank and Trust Company and open a Simply Free personal checking account today!
For every referral you make that opens a new personal checking account, you can earn a FREE* gift!
You can start your Simply Free personal checking account at any of our five full-service branches or online.
*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.
Frequently Asked Questions
Is this checking account really free?
Yes. There is no monthly service fee and no minimum balance requirement, making it a true free checking account.
Yes. There is no monthly service fee and no minimum balance requirement, making it a true free checking account.
Do I get a debit card?
Yes. You’ll receive a free debit card for purchases and ATM access.
Yes. You’ll receive a free debit card for purchases and ATM access.
Can I deposit checks from my phone?
Yes. Mobile deposit is included with your account through online banking.
Is online banking included?
Yes. You’ll have access to online banking, mobile banking, and bill pay at no additional cost.
Yes. You’ll have access to online banking, mobile banking, and bill pay at no additional cost.
What do I need to open an account?
You’ll need:
- A valid ID
- Basic personal information
- Minimum opening deposit
CDs & IRAs
Looking for a secure way to save? Our CDs and IRAs offer great rates and a stable path to your financial future.