Find common FAQs below and for more assistance, give us a call at 888-547-6541 or contact us online.
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 all deposits received through a Bank of Missouri ATM is 2:30 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 Monday.
Electronic transactions made in Online Banking have a cutoff time of 7:00 p.m. Monday-Friday. Transactions at a Bank of Missouri ATM have a cutoff time of 2:30 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?
2017 Legal Holiday Schedule
|January 2||New Year's Day|
|January 16||Martin Luther King Jr. Day|
|February 20||President's Day|
|May 29||Memorial Day|
|July 4||Independence Day|
|September 4||Labor Day|
|October 9||Columbus Day|
|November 11||Veterans Day|
|November 23||Thanksgiving Day|
|December 25||Christmas Day|
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?
Visit our check order center.
How can I get a copy of my credit report?
You can request reports from the three major credit bureaus at https://www.annualcreditreport.com/index.action or by calling 1-877-322-8228.
You can also contact the credit bureaus directly.
How can I dispute a transaction?
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.
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?
We have two convenient options to transfer funds to or from your account.
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 cancelled checks for the past 18 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.
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?
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.
Why don't I see the Pay a Person option in the mobile app?
You will not see Pay a Person in the app menu if you are not enrolled in BillPay. To enroll, visit Online Banking on the website and click the BillPay tab. If you are a BillPay user already, try upgrading to the newest version of the app.
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.
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 https://www.airteller.com/fi6145
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.
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
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?
You can set up one-time transfers in the app. Please log in to Online Banking on the website to set up recurring automatic transfers.
How do I pay bills in the app?
First, if you have never used BillPay before, you need to log in to Online Banking on the website and click the BillPay tab to enroll.
Payments to Companies
You'll need to set the payee up in Online Banking on the website, if you have not already done so. Then you can select “Pay Bills” in the app menu, and select the payee to enter payment details. You will receive a confirmation message on screen and by text message.
You can set up one-time payments in the app. To schedule recurring payments, log in to Online Banking on the website.
Payments to Individuals
Pay a Person allows you to make payments to individuals. You can use our Pay a Person service entirely in the app without ever visiting Online Banking on the website, provided you have already enrolled in BillPay. Tap "Pay a Person" in the app to get started.
Can I edit or delete a BillPay item in the app?
This can only be done through Online Banking on the website.
How do I use TouchID in the iPhone and iPad apps?
Touch ID™ allows you to log in with your fingerprint rather than using your user ID and password. You will need an iOS device that supports biometrics.
If you have not already done so, you 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.
When opening our app, you will be prompted to enable Touch ID use. If you do not receive the prompt, you may need to update to the newest version of the app. Note: If you click "not now" at the prompt, you can enable later by going to the Preferences menu within the app and toggling Touch ID to the "on" position.
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.
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:
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 icloud.com/find 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.
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?
Your PIN will be mailed separately from your new card for security purposes and should arrive a couple days after your card. Once you have the PIN, 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”
If you have received a new card and need to use it before your PIN arrives in the mail separately, you can use it for signature-based transactions only in the meantime. You will still need to activate the card before using:
- Through Anytime Access telephone banking by following the prompts (1-888-627-6799)
- Through Online Banking by following the instructions above
When the PIN is eventually received, you must activate the PIN:
- Through any Bank of Missouri ATM by doing a balance inquiry
- Through a merchant by conducting a PIN-based transaction (enter your PIN instead of using your signature).
How do I change my PIN?
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.
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.
How do I use my card at with no fee at MoneyPass ATMs?
All Bank of Missouri debit cardholders can use their Bank of Missouri debit cards at any MoneyPass Network ATM with no charges from The Bank of Missouri or the bank administering the cash. The network is updated regularly, and we recommend you confirm the ATM is a member ATM by looking for the MoneyPass sticker. Use of an ATM outside of the MoneyPass Network may result in a fee from both The Bank of Missouri and the bank administering the cash.
I was charged a fee at an ATM I thought was a MoneyPass ATM.
If you are a MoneyPass cardholder and you were charged a fee at a MoneyPass ATM, please contact us and we will work with you to refund the fee. To help expedite the process, it is helpful to have the exact address, date, and time of the ATM transaction – this should all be on the ATM receipt.
Are there MoneyPass ATMs located outside of the United States?
At this time, MoneyPass Network ATMs can be found only within the United States.
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.