888-547-6541 Log In Locations Contact Us Help Center Careers Checking That Fits Your Life Free Checking, With Rewards Welcome to free checking with rewards - Kasasa® Checking! What exactly is Kasasa? Kasasa accounts offer the types of rewards people want, like cash back or high interest. With Kasasa, you can get "big-bank" rewards with community bank attention AND local branches. In short, Kasasa gives you the best of both worlds. Why bank at The Bank of Missouri? Glad you asked! At The Bank of Missouri, we're more than great accounts. Our motto is to help you "Live Well. Bank Well." That means we're ready and waiting to help you get the most from your account. Whether it's our handy mobile banking app or our friendly staff ready to offer expertise, we're here to be your financial partner. Great, let's do this! We hoped you'd say that. First, choose the account and rewards that fit you. Then, head over to our online application to open an account without ever stepping foot inside the bank. And if you'd rather come in, that's great, too. Stop by any one of our convenient locations across Missouri. Now about those account choices ... How do you want to get rewarded each month? Kasasa Cash Earn interest, plus refunds on ATM withdrawal fees. Learn more about Kasasa Cash Kasasa Cash Back Get cash back on debit card transactions, and refunds on ATM withdrawal fees. Learn more about Kasasa Cash Back Kasasa Tunes Get refunds on iTunes®, Amazon.com, or Google Play purchases, plus refunds on ATM withdrawal fees. Learn more about Kasasa Tunes Let's take a closer look and find the right account for you. High Interest Cash Back Most Popular Digital Credits Account Kasasa Cash Apply today Kasasa Cash Back Apply today Kasasa Tunes Apply today Best For High Balances Debit Card Transactions Apps & Music (Let the music play!) Rewards 3.05% APY (annual percentage yield) on balances up to and including $15,000.991 3.05% to 0.62% APY on balances over $15,000.99, depending on balance in account1 Earn 0.05% APY if monthly qualifications are not met1 Nationwide ATM fee refunds, up to $25 per monthly qualification cycle2 4.00% cash back on debit card purchases, up to $8 per qualification cycle3 Nationwide ATM fee refunds, up to $25 per monthly qualification cycle2 Get $25 in refunds for iTunes®, Amazon, or Google Play™ purchases when you open your account4 Earn $10 in refunds for iTunes, Amazon or Google Play purchases each month4 Nationwide ATM fee refunds, up to $25 per monthly qualification cycle2 Minimum Opening Deposit $100 $100 $100 Monthly Balance Requirement None None None Monthly Service Charge None None None How do I get my rewards? Meet these qualifications5 each monthly cycle to enjoy your rewards: At least 15 debit card transactions Log into Online Banking from your favorite device Receive electronic statements If you don't meet the qualifications in a cycle, no worries! Your account is still service charge free and you can get back to earning your rewards the next cycle that you qualify. About those ATM Refunds ... Sometimes you aren't near a Bank of Missouri ATM. We know that anytime you aren't near The Bank of Missouri can be sad. That's why we want to make it a little better by giving you the freedom to use another ATM without worrying about fees. What happens when I use a Bank of Missouri ATM? What about when I use a non-Bank of Missouri ATM? How many times can I use out-of-network ATMs before I'm charged? All the extras. Included. In addition to the rewards, we have a collection of products to help you get the most out of your account. No qualification required; they're yours every month regardless! Debit/ATM Card Compatible with Apple Pay, Samsung Pay and Google Pay for easy checkouts. Learn more Mobile & Online Banking 24/7 account access, BillPay, payments to individuals, account transfers, and more. Learn more Mobile Check Deposit Deposit checks on your smartphone. See how it works Also, Bounce Protection is available on most accounts, because accidents happen. Check out our guide to understanding overdraft protection >> Other Checking Accounts Notice how this page is mostly about Kasasa accounts? That's because they typically offer the best rewards, and we want only the best for you! However, there may be some situations where other accounts are a better fit. Here, we'll cover our most popular non-Kasasa accounts. For more information about the accounts below or for help selecting an account, give us a call or contact us here and we'd be glad to help. Investors' Club Veterans Checking Kasasa Account Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account(s) per social security number. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. 1When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.99 in your Kasasa Cash account earn an interest rate of 3.00% resulting in an APY of 3.05%; and daily balances over $15,000.99 earn an interest rate of 0.25% on the portion of the daily balance over $15,000.99, resulting in a range from 3.05% to 0.62% APY depending on the account's daily balance. When your account qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in a non-compounding annual percentage yield of 0.05%. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/01/2020. APY calculations are based on an assumed balance of $15,000.99+ $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Fees may reduce earnings. 2You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements will be credited to your account on the last day of the statement cycle. When your account qualifications are not met, the ATM withdrawal fees are not refunded. Sometimes, the withdrawal information we receive for your transaction does not tell us the exact ATM withdrawal fee. In those instances, we estimate the fees based on averages. If you incur a fee greater than the estimation, we will adjust the amount if 1) you have not exceeded the $25 monthly cap and 2) we receive the transaction receipt within sixty (60) calendar days of the transaction. 3When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.When your Kasasa Cash Back account qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. 4Bonus Information: As a bonus to individuals who open and fund a new Kasasa Tunes account, our bank will refund up to an aggregate total of $25.00 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $25.00 posts and settles to your account. Any portion of this bonus that is not used within the stated time period will be forfeited. Account opening bonus will not be paid if accountholder switches into a Kasasa Tunes account from another account that offered an account opening incentive to open the initial account. When your Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, you will receive up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. When your Kasasa Tunes account qualifications are not met, iTunes, Amazon.com and Google Play purchases are not refunded. 5 To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle: 1) At least 15 debit card purchases; 2) Be enrolled in and log into Online Banking; 3) Be enrolled in and have agreed to receive e-statements rather than paper statements. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. "Banking Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Trademark information: Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A. iTunes is a trademark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. 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