West Plains Personal Savings Accounts

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.
Self-service coin machine during lobby hours.
ATM during lobby hours

North Branch
1601 Porter Wagoner Blvd
West Plains, MO 65775
(417) 256-1021
Fax: (417) 257-5717
Lobby Hours:
Monday - Friday 9 a.m. - 6 p.m.
Saturday 9 a.m. - Noon
Drive-up Hours:
Monday - Friday 7 a.m. - 6 p.m.
Saturday 9 a.m. - Noon
Self-service coin machine during lobby hours.
ATM 24 hours a day

Personal Savings Accounts in West Plains

Help your savings go further.

When you are looking for a bank in West Plains, you won’t find anyone more committed to this area than us. As the oldest continually-operated business in the area, we’ve been helping our customers save for the future in West Plains since 1883. We have competitive interest rates and a variety of savings account options that will help you make the most of your money. From personal savings accounts to health savings and money market accounts, we can help you grow your balances and meet your goals for the future.

Personal Savings Account
    • Account earns a competitive interest rate
    • Minimum balance to open is $100 and the entire balance earns interest
    • A monthly fee of $3 will be charged only if the balance falls below $100 any day during the month
    • Customers 21 years of age and younger: only $1 required for opening deposit, no minimum balance fee applies, and the entire balance earns interest
    • Six FREE withdrawals per month in person or by mail (other limitations apply - see branch for details)
    • Each withdrawal in excess of six will result in a $3 fee
Money Market Account
    • Earn a premium rate of interest
    • Minimum balance to open is $100 (30-day grace period to get balance up to avoid service charge)
    • If the balance falls below $2,500 any day of the month, a $10 fee will be assessed
    • Transfers from a 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 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of six during a statement cycle (with no more than three by check)
Health Savings Account (HSA)
    • 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.
    • Minimum $40 deposit or direct deposit required to open account
Santa Savings Account
    • Accounts can be opened the last Friday of November through the last Monday of January each year
    • Deposits can be made as often as you like though the first Friday in November each year
    • In early November of the year the account is open, you will receive a direct deposit to your checking account for the balance of the account plus interest
    • Apply with our online application

Contact a customer service representative for more details on our personal savings accounts or visit us at one of our four locations across West Plains. Need to move your accounts to West Plains Bank and Trust Company? We’ve made the process easy with our Switch Kit.

We’re proud to serve you and the West Plains community.

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 West Plains 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 West Plains branches proudly support the community and find opportunities to give back through participation in local charities and events.