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Make Your Money Go the Distance
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Free Kasasa Cash Checking

With Kasasa Cash®, your money can make more money. Enjoy high interest rates and nationwide ATM refunds. All this is yours for doing a few simple things that make baking easier, like using Online Banking.

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High Interest

Earn 3.05% APY (annual percentage yield) on balances up to and including $15,000.99. On balances over $15,000.99, earn 3.05% to 0.62% APY, depending on balance in account.¹

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Nationwide ATM Fee Refunds

Receive nationwide ATM fee refunds, up to $25 per monthly qualification cycle²

There's no monthly service charge and no minimum balance requirement. Get started with a minimum opening deposit of $100.

Unlock your rewards

Meet these qualifications3 each monthly cycle to enjoy your rewards: 

  • At least 15 debit card transactions
  • Log into Online Banking from your favorite device
  • Receive electronic statements

If you don't meet the qualifications in a cycle, no worries! You will still earn 0.05% APY on your entire balance1, and your account is still service charge free. Even better, you can get back to earning your rewards the next cycle that you qualify.

Ready to Get Started?

Our team is ready to help you get started earning high interest. Share your contact information and we'll be in touch.

Get Started

We want to reward you with what matters most to you. If high interest isn't the right reward for you, we also have accounts that offer cash back on debit card purchases or refunds on digital purchases. Compare other rewards accounts>>

Let's learn a little more about your rewards

We're excited to offer you these high interest rates. Making your money grow into more money is something we really enjoy! Let's take a look at how the tiered interest rate works.

How the Interest Rate Works

Earning interest on the first $15,000.99, when rewards qualifications are met

If you meet your rewards qualifications, you will earn 3.05% APY on the first $15,000.99 in your account. Whether you have $15, $150, or $15,000 in your account, your interest rate is 3.00% (3.05% APY). Then we offer an additional tier of interest rates for any amount you have in your account that's above $15,000.99.

Earning interest on amounts over $15,000.99, when rewards qualifications are met

Remember, you earn 3.05% APY on a balance up to $15,000.99. Now, let's look at what happens if you have more than $15,000.99 in your account. You will earn anywhere from 3.05% to 0.62% APY on the balance that is above $15,000.99. If you have $17,000 in your account, you receive an interest rate of 3.00% on the first $15,000.99 and then you get the lower rate of 0.25% on the remaining $2,000.00. The APY on your account will range anywhere from 3.05% to 0.62% depending on your balance.

Fast Tip: Even though you receive two different interest rates when you carry a balance over $15,000.99, we are required to show you only one APY on your bank statement. So, we'll blend your two rates together, which results in one APY shown on your bank statement that will likely be lower than 3.05%. Rest assured, you do earn 3.05% APY on the first $15,000.99. We are showing you one APY, but you are still receiving two rates.

Earning interest when the account rewards qualifications are not met

If you do not meet the rewards qualifications, you will still earn 0.05% APY on your entire account balance.

How ATM refunds work

The Bank of Missouri has ATMs at bank locations across the state. We also want to make sure you're covered for those times when you aren't nearby. That's why we offer nationwide ATM fee refunds.

What happens when I use a Bank of Missouri ATM?

Bank of Missouri customers can use our bank ATMs any time at no charge. While certain withdrawal limits are in place for your security, you're not limited on the number of times you can use the ATM. We have ATMs at 30+ locations across Missouri.

What about when I use a non-Bank of Missouri ATM?

You will typically have a fee from our bank and the out-of-network bank. If you meet your rewards qualifications, we'll refund you up to $25 worth of fees for the qualifying cycle.2 If you don't meet the rewards qualifications, you will not receive a refund on those fees.

How many times can I use out-of-network ATMs before I'm charged?

First of all, you will see a charge every time you use an out-of-network ATM. Kasasa accounts offer refunds on those fees when the monthly criteria are met.2

Between the fee your own bank charges you and the other bank's fee, that's typically around $6 per ATM transaction, based on national averages. At that rate, $25 in ATM refunds would get you about four out-of-network ATM withdrawals. Keep in mind though that fees can be higher, especially at special events or in touristy areas. Be sure to check the fees before you withdraw to avoid surprises.

Fast tip: Keep up with your ATM fees and your account any time with Online Banking and our mobile banking app.

All the extras you need to make banking easier

In addition to your rewards, we have a collection of products to help you get the most out of your account. No qualification required; they're yours every month regardless.


Kasasa Account Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account(s) per social security number. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

1When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.99 in your Kasasa Cash account earn an interest rate of 3.00% resulting in an APY of 3.05%; and daily balances over $15,000.99 earn an interest rate of 0.25% on the portion of the daily balance over $15,000.99, resulting in a range from 3.05% to 0.62% APY depending on the account's daily balance. When your account qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in a non-compounding annual percentage yield of 0.05%. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/01/2020. APY calculations are based on an assumed balance of $15,000.99+ $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Fees may reduce earnings.

2You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements will be credited to your account on the last day of the statement cycle. When your account qualifications are not met, the ATM withdrawal fees are not refunded. Sometimes, the withdrawal information we receive for your transaction does not tell us the exact ATM withdrawal fee. In those instances, we estimate the fees based on averages. If you incur a fee greater than the estimation, we will adjust the amount if 1) you have not exceeded the $25 monthly cap and 2) we receive the transaction receipt within sixty (60) calendar days of the transaction.

3 To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle: 1) At least 15 debit card purchases; 2) Be enrolled in and log into Online Banking; 3) Be enrolled in and have agreed to receive e-statements rather than paper statements. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. "Banking Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Trademark information:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. iTunes is a trademark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google, Inc. Apple Inc., and Google, Inc. are not participants in or sponsors of this program.

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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