Skip to main content
Good Morning!

Help Center

Find common FAQs below and for more assistance, give us a call at 888-547-6541 or contact us online.

What can we help you with?
General Questions
Mobile & Online Banking
Electronic Statements
Debit Cards
Order Checks


General Questions

What is the bank's routing number?


What is the telephone Anytime Account Access number?

Call 888-627-6799 to check your balance and more. 

What are the bank's cutoff times?

All deposits made in person with a Bank of Missouri associate are processed on the business day they are received. Deposits received on Saturdays or days the bank is closed will be processed the following business day. A business day is every day except Saturdays, Sundays and federal holidays.

The cutoff time for deposits received through a Bank of Missouri ATM is 2:00 p.m., Monday-Friday.

The cutoff time for deposits received through a Bank of Missouri ITM (interactive teller machine) is 7:00 p.m., Monday-Friday.

Home equity loan payments, overdraft protection payments and consumer home loan payments will be posted the same business day, Monday-Friday, provided they are made in person with a bank associate. All other loan payments will similarly be posted the same business day. Payments made on Saturday are posted the following business day.

Transfers between Bank of Missouri accounts made in Online Banking have a cutoff time of 9:00 p.m. Monday-Friday. Transactions at a Bank of Missouri ATM have a cutoff time of 2:00 p.m. Monday-Friday. Online Banking and ATM transactions are not processed on Saturdays, Sundays or legal holidays. Transactions made on these days will be processed on the following processing day.

What is the bank's legal holiday schedule?

2021 Legal Holiday Schedule

How can I deposit money after hours?

Most of our ATMs accept deposits, and all locations have a night drop box. Also, you can deposit checks in our mobile banking app using mobile check deposit.

How do I reorder checks?

How can I get a copy of my credit report?

You can request reports from the three major credit bureaus at or by calling 1-877-322-8228.

You can also contact the credit bureaus directly.

Credit BureauPhoneWebsite
Equifax 1-800-685-1111
Trans Union 1-800-888-4213
Experian 1-800-397-3742

How can I dispute an item on my credit report?

Under the Fair and Accurate Credit Transactions Act, you have the right to notify us directly if you believe any information we are reporting to the credit bureau regarding your account with us is inaccurate. Give us a call at 888-547-6541, and we will investigate your dispute and respond to your request as required by law.

How can I submit a notice of error or request for information regarding my consumer mortgage?

For information regarding requests, how to contact us and what information we need to assist you, visit our notice center for consumer mortgages.

Mobile & Online Banking

How do I enroll?

Enroll on the web or in the mobile app.

App Store download for Bank of Missouri appGoogle Play download for Bank of Missouri app

Switch back and forth between the web experience and the app at your convenience. Your enrollment is good for both options. Enroll one time and you're ready to use online banking on the web and in the mobile app.

I forgot my username or password.

Click the "Forgot" link on the login page to obtain your username and/or reset your password. If password reset is not working, it’s possible your account is locked, which happens after several unsuccessful login attempts. Give us a call at 888-547-6541 and we will be happy to help.

How do I transfer funds between accounts at or outside of The Bank of Missouri?

Transfer funds between your Bank of Missouri accounts easily in the web experience and the mobile banking app. You can also connect external accounts to check balances and make transfers. Click the three dots by your account listing and select "Connect an Account." Search for your bank and then enter that username and password.

How can I add my account to financial management software such as Quicken, Mint or Acorn?

The Bank of Missouri offers personal financial management features right within the mobile and online banking experience, no separate log in needed. Look for “Budget & Save” in the app menu or click into any account in the web experience to find the button. Learn more about these features >>

The Bank of Missouri does not provide direct integration to any other financial management software such as Quicken, Mint, Robinhood or Acorn. However, you are often still able to add your Bank of Missouri account. You would follow the instructions from that provider to log in to your Bank of Missouri account. Logging in through a software that is not from The Bank of Missouri will require the same two-factor authentication as when you log in directly to The Bank of Missouri. This means you will receive a text with a verification code in order to log in. Some vendors only require this when you first add your Bank of Missouri account and some require it at other times as well.

Can I download my transactions?

Yes. In the web experience, click into the account. Then, look for the "Transactions" tile and click the dowloand arrow. Select your date range and file type and click "Download." In the app, you can search transactions, but not download.

What if I lose my device?

If you lose your device, you can unauthorize that device by visiting "Settings" from another device. Tap "Settings," then "Security," and "Recently Used Devices."  

I need help with Mobile Check Deposit.

For product information and FAQs, visit our Mobile Check Deposit Center.

Electronic Statements 

How do I enroll in electronic statements?

Enroll in the web experience or in the app. Click into an account and then tap "Documents." Next, click "Documents and Settings." Select all the accounts you'd like to recieve electronic statements for and tap "Save Settings."

Why am I getting electronic statements for some of my accounts, but not others?

Each account needs to be individually enrolled. From within any account, tap "Documents" and then "Documents and Settings" to select additional accounts to enroll.

How long are my electronic statements available in mobile and online banking?

View copies of your electronic statements for the past 18 months in mobile and online banking. To retain more than 18 months of history, you can print or download statements in the web experience. We can also retrieve a copy of older statements for you. However, please note there may be a fee associated with this service.


How do I enroll in BillPay?

Visit "Payments" from the main menu on the web or in the app to get started. Once you enroll, you're ready to begin adding payees and making payments.

When will the money be taken out of my account?

Electronic payments are deducted from your account on the payment date, with payments processed at 7 a.m. and 2 p.m., Monday through Friday. Payments made by check will be deducted from your account when the draft reaches our bank, the same as if you had written the check yourself.  

What if I do not have enough money in my account?

Electronic bill payments will be attempted at 7 a.m. and 2 p.m. for up to two days until funds are available to create the transaction. Keep in mind if you have overdraft protection, that may be used to make a payment in the case of insufficient funds. BillPay by check will be handled as your other checks are.

Can I use BillPay outside of the United States?

Yes, you can pay bills while outside the US, as long as you have a bank account in the US. However, you cannot pay bills to payees located outside the United States.

How late in the day can I enter, edit, or delete a payment?

Bill payments are processed at 7 a.m. and 2 p.m. CST on the scheduled payment date. Payments entered after 2 p.m. will be processed the following day. Any new payments scheduled over the weekend, for that current weekend, will be processed on Monday. Payments are not processed on holidays. You may choose the day before or the day after the holiday for processing. A payment can be edited or deleted at any time as long as it has not been processed yet and is still shown in "Pending" status.

Can I stop a payment?

If the system has not sent the payment and the payment shows a "Pending" status, an electronic payment can be deleted. If the system sent the payment already, an electronic payment cannot be stopped. A check can be stopped by placing a stop payment, and a fee will apply.

How long is my payment history retained?

18 months

Apple Pay

Where can I make payments with Apple Pay?

On iPhone and Apple Watch, you can use Apple Pay in stores that accept contactless payments. Look for one of these symbols at checkout or in the Maps app: 

near field and Apple Pay icons

On iPhone and iPad, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay button or Apple Pay as a payment method.

What do I need to use Apple Pay?

  • Eligible Apple device 
  • Latest version of iOS, watchOS, or MacOS
  • Touch ID or passcode on your iOS device
  • An Apple ID signed in to iCloud

How do I set up Apple Pay on my iPhone or iPad?

Open the Wallet and tap the "plus" icon. If your bank debit card is already stored in iTunes, you will be prompted to add it. If not, use the iSight® camera to take a picture of the card (preferred method) or enter the card information manually. Your card may be verified immediately or you may be prompted to call our Information Center to complete the verification process.

How do I set up Apple Pay on my Apple Watch?

Open the Watch app on iPhone and tap "Wallet & Apple Pay". If you already added a card to your paired iPhone, you can add it to your Apple Watch by tapping "Add" next to the card, and then enter your card security code. Or you can tap "Add Credit or Debit Card."

How do I set my Bank of Missouri debit card as my default to pay?

The first card you add to Wallet is your default card. To change your default card, use the steps below.

On your iPhone:

  • Open Wallet.
  • Touch and hold your finger on the card that you want to make the default.
  • Drag the card to the front of the cards in the Apple Pay section.

On your iPad:

  • Go to Settings > Wallet & Apple Pay.
  • Tap Default Card.
  • Choose a new card.

If given the choice, should I choose "credit" or "debit" on the terminal?

Choose "credit" to get the most consistent Apple Pay experience.  

Does Wallet show my recent transactions?

When you view your card in Wallet, you’ll see the most recent transaction. You might also see the last 10 transactions for your cards. Just tap the information icon. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your actual card.

Why is my transaction amount sometimes reported differently in Wallet?

Sometimes the initial authorization amounts to Wallet might be different from the final transaction amount, especially from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to your bank statement for final transaction details.

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just like a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number for your iPhone or iPad, go to Wallet, tap the card, and tap the info icon. For your Apple Watch, open the Watch app on iPhone, tap My Watch > Wallet & Apple Pay. Tap your card to select it and see the Device Account Number. Apple Pay activity is also included on your bank statements.

If the cashier needs your card details to process the return, you can follow the same steps you would use for making a payment.

What should I do if my device is lost or stolen?

Go to or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You may also contact us at 1-888-547-6541.

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your devices.

Debit Cards

How do I report my card lost or stolen?

Use one of these three convenient options.

  • Call 888-547-6541.
  • In online banking or the mobile banking app, tap the card from the Card Management tile on the dashboard and tap "Report Lost/Stolen." You can also tap into an account and then tap "Card Management."
  • Follow the prompts in AnyTime Access telephone banking at 1-888-627-6799.

How do I activate my debit card or change my PIN?

  • Call 800-290-7893
  • Enter the 16-digit card number followed by the pound sign
  • Press "1" to set or change your PIN

What do I need to do if I’m traveling with my debit card?

If you are planning to use your card outside the United States, please contact a team member at any Bank of Missouri location or give us a call. Special steps are required to ensure your card will be accepted as you travel. It's also a good idea to let us know when you plan to use your card outside of Missouri.

Need Help?

Give us a call


Customer Support Hours
Mon-Fri: 8:00 am - 11:00 pm
Saturday: 8:00 am - 5:00 pm
Sunday: 9:00 am - 5:00 pm
Holidays*: 9:00 am - 5:00 pm
(*closed Thanksgiving and Christmas)

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.

If you "Continue", the link will open in a new window.

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.

If you "Continue", the link will open a new email message in your default email program.

Redirecting to

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

Continue ×