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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Banking
Services at OMB

No matter which personal banking account you choose, you'll also get local service and the convenience of a bank that's here for you 24/7 online and on your phone.

OPEN ONLINE
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Personal Checking

Interest earnings, cash back, fee-free ATMs and more. Make your money one less thing to worry about with our variety of checking options.

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Personal Savings

A major purchase, a rainy day, your retirement plans—whatever you’re saving for, we’ve got an account that works for you.

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Our Products at a Glance

An illustrated animation of a wallet indicating a high-interest checking account BEST RATE

High Interest Checking

Earn up to 2.01% APY* on balances up to $25,000.
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Rewards Checking

Get 5% cash back on your monthly purchases.
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An Old Missouri Bank animation of an ATM THE BASICS

Classic Checking

Everything you need without the extras.
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An Old Missouri Bank animation of a plant growing money flowers Great Rate

High Interest Savings

Earn 1.00% APY* on balances up to $100,000.
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Classic Savings

Keep funds close when you need them with our Classic Savings account.
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Money Market

Combining the best of checking and savings accounts.
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CDs

With the right strategy, CDs can be a valuable part of your financial plan. Whether you’re saving for a rainy day or working toward a long-term goal, these low-risk investments offer peace of mind and steady growth. Choose your term and grow your earnings risk-free with OMB CDs.
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An Old Missouri Bank animation of a trophy Retirement

IRA

You've worked hard, get more out of retirement with an IRA from OMB.
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HSA

Take advantage of tax-free contributions for your medical expenses.
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Youth Savings

Help introduce kids to banking and saving for a goal while keeping their cash safe.
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An Old Missouri Bank animation of a briefcase PRIVATE

Private Banking

With dedicated service, innovative solutions and other unique privileges, you’ll enjoy a first-class banking experience with OMB.
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You've never had a checking account like this.

Now investing is accessible for everyone and as simple as swiping your debit card with OMB Stock Rewards Checking. See how!

SPENDING
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Swiping Made Better

Find 24/7 access to surcharge-free ATMs nationwide via the MoneyPass® ATM network. Free for any OMB customer with a personal checking account.

Yes, you may close your checking account at any time without penalty. However, it is a good idea to make sure any recurring bill payments or direct deposits have been properly routed to new accounts before doing so.

Why bank at OMB?

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Nationwide ATM Access

Get access to more than 36,000 surcharge-free MoneyPass® ATMs nationwide.

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Connected 24/7

Our online banking and bill pay services are fast, secure, and so easy to use. The best part? They're free.

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Contactless Payments

Your OMB debit card is compatible with Apple Pay, Google Pay and Samsung Pay — easy and secure.

PRIVATE BANKING
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A First-class Experience

With expertise you can trust, our exclusive private banking program is designed to support your goals and celebrate your successes. Get dedicated support for:

  • Real estate loans
  • Personal loans
  • Business loans
  • Digital banking

Plan for Anything

Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.

Harness the Power of Mobile Banking

OMB's industry-leading mobile banking app puts you in control of your finances in powerful new ways. Check balances, transfer funds, pay bills, deposit checks, even chat live with our friendly staff directly in the app. With enhanced digital banking features and online security, you'll wonder how you ever lived without it. Download it now!

Your 24/7 Personal Digital Branch

Payments are fast, safe and easy thanks to Zelle®. Pay your family and friends or request money regardless of where they bank.

Download on the App StoreGet it on Google Play
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MONEY TIPS

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How to Get Paid Early: Access Your Paycheck Faster

Waiting for payday can be frustrating, especially when bills, rent or unexpected expenses arise before your paycheck hits your account. Fortunately, there are ways to access your money sooner.

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Financial Mistakes to Avoid in Your 20’s and 30’s

Avoid financial mistakes in your 20s and 30s by building an emergency fund, maintaining good credit, investing early, and planning ahead.

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A desk covered in office supplies with a white computer monitor with the word "Goals" displayed on it

How to Set SMART Financial Goals for 2025

One proven method for effective goal setting is the SMART framework, which ensures your goals are Specific, Measurable, Achievable, Relevant and Time-bound. Here’s how to use SMART principles to set and achieve your financial targets in 2025.

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NEED HELP?

Get more Help

How do I order or replace my debit card?

Where can I find my account number?

How do I change or reset my online banking password?

What should I do if my debit card is lost or stolen?

How do I change my address?

What is my routing number?

OMB's routing number is 086518891.

Not sure which account is right for you?

Take Our Quiz