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COVID-19 Readiness Center

As the situation around coronavirus (COVID-19) continues to evolve, we want to be sure you are informed about your banking experience. At this readiness center, we'll share what we're doing to protect our customers, community and employees. We'll also share resources and any updates as to how you can continue to bank with us.

We know it's common to have financial questions and concerns in uncertain situations. We're open and ready to help you navigate these changes. Please reach out to your local branch or contact us at 888-547-6541.

How we're here to serve you

We have plans in place to continue to be your trusted financial partner during times like these. We are by the phone and in person, ready to serve you.

We're closely following the recommendations of federal, state, and local authorities to make the best decisions for our customers and communities. As such, some locations are operating with modified schedules.

Modified Banking Hours at Select Locations

You will find the most up-to-date branch by visiting your location's page from the branch locator.


We're pleased to open some Bank of Missouri lobbies to the public on June 1. A few locations remain as drive-up only for now, with lobby visits available by appointment. We’ve also made adjustments to the lobby and drive-up hours at some locations. FOR TELLER TRANSACTIONS: You may use the lobby or drive-up, with drive-up being preferred. FOR ALL OTHER VISITS: We recommend you call to make an appointment. This keeps your visit concise and lobby capacity lower for your safety.

To find information about your preferred banking location(s), please visit the branch locator and select a location.

How we're helping customers impacted by coronavirus

The Bank of Missouri knows COVID-19 is putting a strain on our customers and small businesses across our state. The Bank is available and ready to provide assistance. Here are a few of the ways we’re helping customers affected by COVID-19.1

Deposit account assistance

For customers experiencing hardship from COVID-19, we can offer accommodations related to your checking and saving accounts upon request and based on individual needs.

Loan payment deferrals

Customers may be eligible to defer payments. If this program would benefit you, give us a call for more information.

Penalty-free CD and IRA CD withdrawals

Certificates of Deposit typically have penalty fees for withdrawing before the term ends. Recognizing some people may need earlier access to their funds in CDs, we’re offering early CD withdrawals with no penalty from The Bank of Missouri.

Small business and commercial client loan assistance

As always, we are committed to supporting local businesses. We’re working with our business clients on a variety of loan assistance options. This may include interest-only payments or payment deferrals. In addition to relief on existing loans, we’re also available for businesses who need new loans at this time.

If you have been impacted by COVID-19, reach out to your local banker or call us at 888-547-6541. We are listening to the needs of our customers and communities, and we will continue to adapt these programs as needed. Please stay in regular contact with us.

What the CARES Act means for you

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) is a $2 trillion stimulus package approved by the government to help individuals and businesses impacted by coronavirus.

As your trusted financial partner, we’re here to help you navigate the solutions that can benefit you. Here, we’ll look at some key parts of the CARES Act, how to access them, and how The Bank of Missouri can help.

What the CARES Act means for youHow it works

One-Time Tax Credit

The CARES Act includes one-time tax credits you’ll receive as a direct deposit or check.

Individual Filers

  • $1,200 for individuals, plus an additional $500 per child, for filers earning less than $75,000 annually. Individuals who earn more than $75,000 and less than $99,000 will receive a lesser amount.

Joint Filers

  • $2,400 for joint filers, plus an additional $500 per child, for filers earning less than $150,000 annually. Joint filers who earn more than $150,000 and less than $198,000 will receive a lesser amount.

If you have a bank account on record with the IRS for direct deposit of tax refunds or Social Security benefits:

  • You will likely receive your payment electronically

If you do not have an account with the IRS:

  • You will likely receive a paper check

You have several ways to deposit your check with The Bank of Missouri:

  • Use mobile check deposit in the mobile banking app as a safe and convenient option. We’ve temporarily increased the limits on mobile check deposit for your convenience.
  • Most Bank of Missouri locations have drive-ups and night deposit boxes. Find your location in the branch locator for the latest hours.
  • Most Bank of Missouri ATMs accept deposits.

Learn more at our economic impact payment center or at the IRS website.

Help for Homeowners

Mortgage lenders and servicers are allowed to offer 180 days of payment deferrals (forbearance) on federally-backed loans for those experiencing hardship due to the COVID-19 pandemic.

To request payment deferrals for your mortgage, you’ll want to reach out to the lender that you are making your payments to.

Retirement Savings Access

Individuals impacted by COVID-19 can take advantage of the government waiving certain penalties and making other accommodations for those who need to access retirement savings early. Note, the required minimum distribution (RMD) for IRAs has been waived for 2020.

Contact your retirement account or IRA specialist at The Bank of Missouri. You’ll also want to make sure you’re working closely with your tax advisor.

Student Loan Assistance

All payments for federal Direct and FFELP student loans are deferred through September 30, 2020 as part of the CARES Act.

For this program, you will want to reach out directly to your student loan servicer.

Visit Federal Student Aid for FAQs >>

Unemployment Assistance

The CARES Act expands unemployment benefits.

  • Self-employed and independent contractors/gig economy workers are now eligible
  • Provides an additional $600/week for up to four months
  • Provides an additional 13 weeks of benefits beyond the existing 26 weeks, through December 31, 2020

Apply directly with your state’s unemployment office.

Visit the Missouri Department of Labor >>

What we're doing for the health of our customers and teammates

The health and well-being of our employees, customers and communities is always a top priority for us. We’ve enhanced thorough cleaning practices in our locations and on our ATM/ ITM machines in an effort to support a healthy banking experience. We are encouraging our employees and customers to follow the personal hygiene recommendations provided by the CDC. Our team is also avoiding non-essential travel and using video conference rather than in-person meetings. And of course, teammates are staying away from work when sick.

How to Protect Your Account

Be aware of scammers, who are taking advantage of this situation. Some things to watch out for:

  • Criminals may call posing as your bank trying to get you to give up important account information. Remember, do not give out your Online Banking log in, account number, debit card number or social security number. The Bank of Missouri will never call you asking for this information. When in doubt, hang up and dial us at 888-547-6541. That way you can feel confident you are talking to The Bank of Missouri.
  • Scammers are sending emails posing as the Centers for Disease Control, the World Health Organization or other experts. Be careful about clicking links, opening attachments and downloading files from emails. The scammer is likely trying to put a virus or other malware on your computer or trick you into giving them your personal information.
  • We all want to help right now, but be cautious when making donations. Do not donate to anyone who asks you to do so in cash, by gift card, or by wiring money. Take your time to select a reputable charity, and if something doesn't feel right, don't donate.
  • Ignore emails that offer a vaccine for coronavirus. There is currently no vaccine.

These are a few of the most common scams. Visit the Federal Trade Commission's website to learn more about scams and protecting yourself.

Learn more about scams at the FTC website

Also, be sure to review your account regularly and contact us right away if you notice anything unexpected. Online Banking is a great way to keep a close eye on your accounts.

How to Access your Account

With The Bank of Missouri, you always have many ways to access your account without making a trip to the bank. Please carefully review your options and contact us for assistance enrolling in or using these services.

Online Banking

We highly recommend you enroll in Online Banking and download our mobile app if you have not done so. With Online Banking, you can check account balances, pay bills, transfer money and more.

Enroll in Online Banking

Mobile Banking

In our mobile banking app, you can enjoy the features of Online Banking on your phone. Plus, you can deposit checks in the app and use short code text banking. To get started, enroll in Online Banking, if you have not already done so. Then give us a download.

Download the app today

App Store download for Bank of Missouri appGooglePlay download for Bank of Missouri app

Phone Support

Did you know we're available late and on the weekends? Get support and account information at 888-547-6541.

Mon-Fri: 8:00 am – 11:00 pm
Saturday: 8:00 am – 5:00 pm
Sunday: 9:00 am – 5:00 pm

24-Hour Telephone Banking

Access your Bank of Missouri accounts from a touch-tone phone with AnyTime Access. Listen to account balance and transaction history, transfer funds between accounts, transfer funds for loan payments, and more. Call AnyTime Access any time at 1-888-627-6799.


ATMs are available at most Bank of Missouri locations. In addition to accessing cash, you can also check balances and change your debit card PIN number if needed.
Bank of Missouri locations

Interactive Teller Machines (ITM)

An ITM is like an ATM, but it's so much more. Tap to talk to a live teller and do just about everything you can do inside the bank branch. You can cash and deposit checks. Make withdrawals in many common denominations. You can also deposit cash, break a larger bill and make a loan payment. Available at select locations in Columbia, Springfield, Perryville, Cape Girardeau, Jackson, Marble Hill, and Caruthersville. Learn more about ITMs and find one near you >>

Resources for you

Are you a business impacted by COVID-19?


1All assistance programs are available for a limited time, may be subject to other exclusions and restrictions, and are subject to change at any time, all in the sole and absolute discretion of The Bank of Missouri. Penalty free CD withdrawals must be made more than seven days after the issue date or the most recent renewal date. Assistance will become available March 25, 2020.

External Link Disclaimer

You will be linking to another website not owned or operated by The Bank of Missouri. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri.

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Email Disclaimer

Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch.

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First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri.

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