Personal Savings in Willow Springs

Willow Springs Branch
708 E Main
Willow Springs, MO 65793
(417) 469-5013
Fax: (417) 469-5016
Lobby Hours:
Monday - Friday 9 a.m. - 5 p.m.
Saturday 9 a.m. - Noon

Drive-up Hours:
Monday - Friday 8 a.m. - 6 p.m.
Saturday 9 a.m. - Noon

Personal Savings Accounts in Willow Springs

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.

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

To learn more about our personal savings accounts and which one is right for you, contact a customer service representative  or visit our Willow Springs location. Need to move an existing account over to West Plains Bank and Trust Company? It’s never been easier with our Switch Kit.

We're proud to serve you and the Willow Springs community

At West Plains Bank and Trust Company in Willow Springs, 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.