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Personal Checking Accounts in Missouri

At the Bank of Old Monroe, our personal checking accounts make banking easy and stress-free. Whether you’re a young professional, a retiree, or somewhere in between, our options provide secure and convenient access to your funds – anytime, anywhere. Let us help you find the perfect checking account today!

Personal Checking Accounts Made Easy

Personal banking should keep up with your busy lifestyle. At the Bank of Old Monroe, we make it simple with many personal checking account options to serve you. Plus, enjoy all the benefits of a larger bank with online banking, our mobile app, online bill pay, and more!

Opening a simple checking account at the Bank of Old Monroe is easy. With a minimum starting deposit of $100, establishing an account with us takes no time. If the balance falls below $300, there will be a one-time $5 service charge during that statement period.

 

*All accounts include standard benefits: Online + Mobile Banking with Bill Pay, Mobile Deposit, Text Message Banking, and other must-have features. Message and data rates may apply from your wireless carrier.

**Monthly service charges are waived for qualifying students and customers ages 60 and older. 

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Senior Checking Accounts That Work for You

Welcome to the Superior Club! Setting up a senior checking account is easy and includes several great features:

  • Account must be opened with a minimum $100 deposit
  • Account holders receive free cashier’s checks
  • Discounted regular checks for account holders
  • No charge for monthly statements
  • No minimum balance is required
  • Debit card available at no charge
  • No monthly maintenance charges
  • Online banking at no charge
  • Free Notary Public service at all branch locations

You’ve worked hard to gain what you have – you deserve a checking account that works hard for you. Senior checking accounts at the Bank of Old Monroe are designed for customers over 60 to include all the perks of our best personal checking products but with free cashier’s checks, no monthly maintenance fees, and effortless management. 

During your golden years, you’re probably looking to change how you manage your finances so that you can get as much out of your retirement savings as possible. We’re here to help – get superior benefits, freedom, and flexibility with a Bank of Old Monroe senior checking account!

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Start Your Financial Journey With a Student Checking Account

Financial independence starts with a solid foundation. A checking account can be a safe and convenient place to house your money and manage your budget. Opening a student checking account with the Bank of Old Monroe is stress-free and gives you full access to online and mobile banking, a suite of powerful tools and apps that make it easy to track your spending, and more.

A registered student up to 25 years old* can take advantage of this unique account. Enjoy the following benefits of a Bank of Old Monroe student checking account:

  • $25 opening deposit
  • No monthly maintenance fees
  • No minimum balance
  • Free online banking
  • Free mobile banking app**
  • Free email and text alerts**
  • Free debit card (15 yrs. or older)
  • Free bill pay (18 yrs. or older)

Stay in control of your money while focusing on what matters most – your life and education. Let the Bank of Old Monroe handle everything else without all the maintenance fees!

*Minors under 18 must have a parent or guardian on the account.

**Data rates may apply.

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NOW Accounts

Get the benefits of a checking and savings account in one place with a NOW Account! A NOW Account lets you earn interest over the account’s lifetime with unlimited transactions, making it easy to meet your savings goals. Start a NOW Account with a $1,000 minimum opening deposit today!

An $8 service charge applies if the balance falls below $1,000 anytime during the statement period.

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Money Market Accounts

Earn a higher interest rate on your checking and savings account. Money Market accounts let you earn more interest on deposited funds (based on current money market interest rates) and make up to six pre-authorized transactions or withdrawals per monthly statement period.

Start a Money Market account now with a $1,500 minimum opening deposit today!  

An $8 service charge applies if the balance falls below $1000 anytime during the statement period. A $10 debit charge is applied for every transaction over 6.

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Open Your Personal Checking Account Today

The Bank of Old Monroe wants to make it easy and affordable to manage your finances. Whether in-branch, online, or by phone – we provide banking for where you are and where you want to go!

We’re committed to customer service, convenience, and account security. To open a personal checking account, visit one of our five Missouri branch locations in Old Monroe, Moscow Mills, Wentzville, O’Fallon, or Troy, and present the following with your minimum deposit:

  • Driver’s license or government-issued photo ID
  • Proof of taxpayer identification number
    • US citizens – SS card or recent tax document
    • Non-US citizens – SS Card, International passport, or alien identification card

Can’t get into the branch during business hours? Fill out a checking account application online instead! We look forward to assisting you.

Start Application

Take Your Accounts Anywhere With Mobile & Online Banking

Completing your banking tasks online allows you to spend more time doing what you love. You no longer need to visit your local Bank of Old Monroe branch in person to deposit a check, withdraw funds, or transfer money from one account to another. With our user-friendly and innovative personal mobile and online banking options, you can take your finances anywhere.

QUICKLINKS

We Offer Mobile Banking

Manage your finances on the go with the Bank of Old Monroe app! Our app allows you to view transactions, transfer funds, pay bills, deposit checks and more! To discover all the ways our app can benefit you, visit your app store and search “Bank of Old Monroe” to download.

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* Message & data rates may apply from your wireless carrier.

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