Free Checking, With Rewards
Welcome to free checking with rewards - Kasasa® Checking!
What exactly is Kasasa?
Kasasa accounts offer the types of rewards people want, like cash back or high interest. With Kasasa, you can get "big-bank" rewards with community bank attention AND local branches. In short, Kasasa gives you the best of both worlds.
Why bank at The Bank of Missouri?
Glad you asked! At The Bank of Missouri, we're more than great accounts. Our motto is to help you "Live Well. Bank Well." That means we're ready and waiting to help you get the most from your account. Whether it's our handy mobile banking app or our friendly staff ready to offer expertise, we're here to be your financial partner.
Great, let's do this!
We hoped you'd say that. First, choose the account and rewards that fit you. Then, head over to our online application to open an account without ever stepping foot inside the bank. And if you'd rather come in, that's great, too. Stop by any one of our convenient locations across Missouri. Now about those account choices ...
How do you want to get rewarded each month?


Get cash back on debit card transactions, and refunds on ATM withdrawal fees.

Get refunds on iTunes®, Amazon.com, or Google Play purchases, plus refunds on ATM withdrawal fees.
Let's take a closer look and find the right account for you.
High Interest | Cash Back | Digital Credits | |
---|---|---|---|
Account |
Kasasa Cash |
Kasasa Cash Back |
Kasasa Tunes |
Best For |
High Balances |
Debit Card Transactions |
Apps & Music (Let the music play!) |
Rewards |
|
|
|
Minimum Opening Deposit | $100 | $100 | $100 |
Monthly Balance Requirement | None | None | None |
Monthly Service Charge | None | None | None |
How do I get my rewards?
Meet these qualifications5 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! Your account is still service charge free and you can get back to earning your rewards the next cycle that you qualify.
About those ATM Refunds ...
Sometimes you aren't near a Bank of Missouri ATM. We know that anytime you aren't near The Bank of Missouri can be sad. That's why we want to make it a little better by giving you the freedom to use another ATM without worrying about fees.
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. Included.
In addition to the 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!


24/7 account access, BillPay, payments to individuals, account transfers, and more.



Add-on security products for your debit card and Online Banking.

No smartphone? You can get your account info 24/7 by text or at a dedicated, automated phone number.
Also, Bounce Protection is available on most accounts, because accidents happen. Check out our guide to understanding overdraft protection >>
Other Checking Accounts
Notice how this page is mostly about Kasasa accounts? That's because they typically offer the best rewards, and we want only the best for you! However, there may be some situations where other accounts are a better fit. Here, we'll cover our most popular non-Kasasa accounts. For more information about the accounts below or for help selecting an account, give us a call or contact us here and we'd be glad to help.
Investors' Club
The Bank of Missouri Investors' Club is a special program which provides many benefits, services, special discounts, and travel opportunities. If you maintain a $10,000 balance in any combination of Bank of Missouri accounts and open an Investors' Club interest-bearing checking account, you are eligible to enroll in our exclusive club. The minimum opening deposit is $100 and there's no monthly service charge.
Enjoy club checks; group travel; Notary service, Money Orders, and Cashier’s Checks included at no additional fee; small safe deposit box rent for one year (where available) or one-time $20 offer toward a larger box. Travel With Us >>
Veterans Checking
You've served our great country. We want to show our appreciation by offering you a checking account with value-added benefits and services. The minimum opening deposit is $100 and there's no monthly service charge.
Enjoy club checks; Notary service, Money Orders, and Cashier’s Checks included at no additional fee; small safe deposit box rent for one year (where available) or one-time $20 offer toward a larger box. Military identification required.