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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
Online Banking
Electronic Statements
Mobile Banking
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?

2019 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 buy foreign currency?

Stop by one of our locations or order online

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 us 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.

Online Banking

How do I sign up for Online Banking?

Enroll online or in person at any Bank of Missouri location.

I forgot my user ID.

Give us a call at 888-547-6541 for assistance.

I need help with my password.

We offer a self-service password reset feature. To enable, you need to provide a security question and answer. You will be prompted occasionally in Online Banking to submit this information. To sign-up now, log in to Online Banking, select “Options,” set your question and answer and click “Submit.”

Once enrolled, click “Reset Password” at the login screen and enter your user ID and email address on file at the bank. You will also enter a subject line that will be put in the reset email we send you. The subject line can be anything and is for your security, so you will know the email you are receiving to reset your password is legitimate. When you receive the email, follow the link to enter your user ID and security question answer.

If you cannot enable self-reset, give us a call and we’ll be glad to help you. If password reset is not working, it’s possible it has not been set up or your account is locked, which happens after three unsuccessful login attempts.

Can I download my transactions?

Yes! From the transaction view in Online Banking, click the "download" tab.

Some of my electronic transactions and online transfers are duplicated.

This can sometimes happen when we perform routine maintenance each evening. Duplicate transactions should disappear when maintenance is completed.

I need a copy of a cancelled check.

You can view and print copies of your cancelled checks for the past 12 months in Online Banking at no additional cost to you. We can also retrieve a copy for you, and there may be a fee associated with this service.

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 Online Banking and the mobile banking app. You can also call us to make transfers. If you'd like to transfer funds between your account here and an account at another financial institution, call us to learn about using this option within Online Banking.

Electronic Statements 

How do I enroll in eStatements?

You need to be a Bank of Missouri customer to enroll for eStatements, and you may enroll multiple accounts. After logging in to Online Banking on the website, click the “E-documents” tab and you will see the enrollment screen.

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

Each account must be individually enrolled. Log in to Online Banking, visit the E-documents tab, click “Documents and Settings” and then click “Enroll in All Available Accounts and Document Types Shown.”

How long are my eStatements available in Online Banking?

You can view and print copies of your electronic statements for the past 18 months in Online Banking at no additional cost to you. Print or download eStatements easily, to retain more than 18 months of history. We can also retrieve a copy for you, and there may be a fee associated with this service.


How do I enroll in BillPay?

To enroll, log in to Online Banking on your desktop computer and visit the "BillPay" tab to agree to the terms and conditions. Once you're enrolled, you are ready to make payments on your computer and in our mobile banking app. Welcome to the fastest way to pay bills!

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 7:00 a.m. and 2:00 p.m., Monday-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 7:00 a.m. and 2:00 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 7:00 a.m. and 2:00 p.m. CST on the scheduled payment date. Payments entered after 2:00 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 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

Pay a Person, BillPay payments to individuals

How long does it take money to transfer?

If you have not done so, you will need to add the payee. You can schedule a payment immediately after creating the new payee, but the money will not transfer until the payee takes the step to enter his or her account information. After that is complete, transfers usually occur in a couple business days.

How do I use Pay a Person in the mobile app?

Visit the "Payments" option in the mobile banking app menu. If you do not see a "Payments" option, it's possible you're not enrolled in BillPay. To enroll, visit Online Banking on the website and click the "BillPay" tab.

What if I forget the keyword I created for the payee to enter when signing up?

You will need to visit Online Banking on the website. Click the BillPay tab, select the payee from your list of payees and click “Edit Payee" to see the keyword.

Mobile Banking

The support you need for all the ways you can bank from your phone.

How can I access my account on my mobile device?

You have several options.

  • Mobile app for Apple and Android devices.
  • Text banking, which allows you to enter short codes to receive your balance and more.
  • Mobile Web. At this time, our website Online Banking is not officially supported on all mobile devices. Many users will still be able to log in and use Online Banking on their mobile phones, but if you cannot, we have a dedicated mobile link you can use

How do I enroll in Mobile banking?

You have the option to enroll within the mobile banking app or within Online Banking on the website.

Enrolling in app

You will need to enroll in Online Banking on our website if you have not already done so. Then you can download the app and follow the prompts.

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

Enrolling in Online Banking to use text banking and mobile web

  • Log in to Online Banking on the website.
  • Click the “Options” tab and select “Mobile Settings.”
  • Check the box next to “Enable web access for your mobile device.”
  • Select the accounts you want to access from your phone (you may choose one or all of your accounts and you can edit this selection at any time).
  • Enter your mobile phone number (required).
  • Select your wireless provider from the drop-down menu (required.) Note: If you are a Cingular user that merged into AT&T, please select “Cingular” from the drop-down menu as your carrier.
  • Accept the Mobile Banking Agreement.
  • You will receive an enrollment confirmation text message.

What short code and text commands should I use for text/SMS banking?

Short code: 89549

Text Commands

Bal=All Acct Bal
Bal Acct Name=Single Acct Bal
Hist=All Accts Recent Activity
Hist Acct Name=Single Acct Activity

Can I transfer funds between accounts in mobile banking?

Yes, you can set up one-time transfers and recurring transfers in the app.

How do I pay bills in the app?

First, if you have never used BillPay before, log in to Online Banking on the website and click the BillPay tab to enroll.

Payments to Companies

To set up a new payee, you'll need the company's name, phone number and mailing address, as well as your account number there. You can set up new payees on your desktop computer and in the mobile banking app. Once a payee is created, you're ready to schedule one-time or recurring payments.

Payments to Individuals

Pay a Person allows you to make payments to individuals. You can use our Pay a Person service in the app and in Online Banking on the website. Tap "Payments" in the app to get started.

Can I edit or delete a BillPay item in the app?

If the system has not sent the payment and the payment shows a "Pending" status, an electronic payment can be edited or deleted. If the system sent the payment already, an electronic payment cannot be edited or stopped.

How do I use fingerprint login?

Fingerprint login is available on supported Android and iOS devices. This allows you to log in with your fingerprint rather than using your user ID and password.

Apple Devices

If you have not already done so, iOS users will need to enable Touch ID™ on your device by going to Settings and selecting Touch ID & Passcode. Next, enable Touch ID and add fingerprints. All fingerprints stored on your device for Touch ID will be able to access your Touch ID enabled banking account.

Android Devices

If you have not already done so, visit Security and then Settings to add fingerprints to your phone. You should see the option to enable fingerprint login right on the login screen in our app. If not, visit Settings in the app to enable.

What if I lose my device or want to no longer use mobile banking?

Give us a call or log in to Online Banking, select Options>Mobile Banking and uncheck the box next to "Enable web access for your mobile device."

What if I have a new phone number?

If you get a new phone number, you will need to log in to Online Banking account and select Options>Mobile Settings and change your number. If you have a new mobile device, but kept the same phone number, you do not need to change any of your information.  

I need help with Mobile Check Deposit.

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

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?

You have four convenient options.

  • Call 888-547-6541
  • Log in to Online Banking and go to Options > ATM/Debit, select Lost/Stolen
  • Log in to mobile bank app, go to Manage Cards>select card>Report Lost or Stolen
  • Follow the prompts in AnyTime Access telephone banking at 1-888-627-6799

How do I activate my debit card?

Activate your card using any of these five options:

  • Complete a balance inquiry at any Bank of Missouri ATM
  • Follow the prompts in AnyTime Access telephone banking at 1-888-627-6799
  • Complete a PIN-based transaction at a merchant
  • Use the card management feature in the mobile banking app
  • Visit Options>ATM/Debit Cards in Online Banking and click “Activate”

How do I change my PIN?

You can change your PIN by visiting one of our locations during lobby hours or by visiting any Bank of Missouri ATM.

Follow the steps below to change your PIN at any Bank of Missouri ATM.

  • Insert your card into a Bank of Missouri ATM
  • Enter your current PIN
  • Select "Deposits/Other" and then “Other”
  • Select "Change PIN"
  • Enter your new 4-digit PIN and re-enter to confirm
  • Do a balance inquiry before leaving to ensure your PIN was changed.

Find an ATM

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.

Chip Cards

How do I use my chip-enabled debit card?

If the merchant has a chip-enabled terminal, insert your card into the terminal. It will remain there while the transaction is processed.  You may be prompted to sign or enter your PIN (personal identification number). Some transactions will not require either. If asked to provide a PIN, the PIN on your chip-enabled card is the same as on your previous card. Remove the card from the terminal at the end of the transaction. 

Will a chip debit card work at ATMs?

Yes, the ATM will prompt you through the transaction. Your chip-enabled card will work at traditional ATMs and chip-enabled ATMs.

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.

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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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