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Whether you’re in St. Louis, Kansas City, or a small town in the Show-Me State, finding the right bank can make managing your finances easier. Missouri has a mix of national banks, regional banks, and local community banks, each with different benefits. Some offer extensive ATM networks, while others focus on personal service or high-yield savings options.
This list highlights the best banks in Missouri, helping you compare features, fees, and account perks so you can find the right fit for your financial needs.
Top 15 Banks in Missouri
Missouri offers banking options for every type of customer, from digital-first accounts with no fees to local institutions known for personalized service. Whether you need a bank with a strong branch network, competitive savings rates, or small business support, this list covers some of the best choices available.
With a strong presence throughout the Show-Me State, U.S. Bank continues to provide Missourians with a wide array of financial services backed by its national reputation and extensive branch network.
U.S. Bank is currently welcoming new applicants with a special offering:
Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
The account includes a free debit card that can be locked or unlocked if ever misplaced or stolen. There are no ATM transaction fees at U.S. Bank ATMs and no surcharge fees at over 40,000 MoneyPass® Network ATMs.
The checking account requires a $25 opening deposit and a $6.95 monthly fee. This fee can be waived for those 24 and under, 65 and over, or military members (must self-disclose).
Additionally, the fee can be waived with monthly deposits of $1,000+, an average balance of $1,500+, or holding an eligible U.S. Bank credit card. Qualifying for any Smart Rewards® tier (Primary, Plus, Premium, or Pinnacle) also waives the fee.
Customers can earn up to 4.02% APY on savings with no monthly maintenance, overdraft, or transfer fees.
The Rewards Checking Plus account also includes early direct deposit and up to 2% cash back on eligible debit card purchases—rare for a checking account. There’s no credit card required, making it easy to earn rewards on everyday spending.
Upgrade’s mobile app gives users full control of their finances, from checking balances to paying bills and making transfers. With high-yield savings, fee-free features, and built-in rewards, Upgrade stands out as a strong online banking option in Missouri.
First Midwest Bank, originally from Poplar Bluff, operates branches across Missouri in locations such as Columbia, Greenville, Piedmont, Puxico, Van Buren, and Williamsville.
Among the highlights of First Midwest is their Dime-a-Time program, which offers $0.10 cash back each time you use your First Midwest debit card.
Opening a checking account requires a minimum deposit of $50, but it includes perks such as a free debit card, online banking, and bill pay. This makes managing your finances convenient and straightforward.
It’s worth noting that the rates for most interest-bearing accounts are not publicly disclosed, which will require direct inquiry for potential savers.
Kansas City residents looking for a reliable community bank may find Commerce Bank to be an excellent choice.
With branches spread throughout Missouri and in 10 additional states, Commerce Bank provides a broad spectrum of financial products, including a diverse array of checking and savings accounts, loans, and CD options.
One of the standout features of Commerce Bank is its commitment to personalized customer service. In addition to traditional in-person support at its branches, Commerce Bank offers an innovative service called Commerce Bank CONNECT.
This platform allows customers to receive 24/7 chat support, enabling them to choose their banker and consistently connect with the same representative for a more personalized banking experience.
Regions Bank is a regional bank serving individuals and small businesses throughout Missouri, with more than 80 branches across the state.
Locations include cities such as Columbia, Florissant, Jefferson City, Joplin, Kansas City, Springfield, St. Charles, St. Joseph, St. Louis, and Warrensburg.
For everyday banking, the LifeGreen Checking account is the bank’s standard option. It comes with the ability to waive the monthly fee with direct deposits or a minimum balance.
Regions also offers LifeGreen Preferred Checking, which earns interest, and Regions Now Checking, a low-risk option with no overdraft fees.
On the savings side, the LifeGreen Savings account stands out. It has no monthly maintenance fee or minimum balance requirement, and account holders can earn an annual savings bonus.
Beyond checking and savings, Regions Bank provides a wide range of financial products, including credit cards, personal and auto loans, mortgages, lines of credit, and investment services.
Central Bank operates over 130 branches across Missouri, Kansas, Illinois, and Oklahoma, offering a wide range of banking services.
Among its offerings are multiple checking account options, including a popular fee-free account that encompasses all essential banking features.
Customers enjoy free transactions at any Central Bank ATM, as well as access to more than 37,000 ATMs nationwide. This extensive ATM network ensures easy access to funds across a broad geographic area.
For business clients, Central Bank provides several business checking accounts and various business loan products. These services are tailored to help businesses manage their finances efficiently and grow sustainably.
Bank of America, one of the largest national banks, provides extensive benefits, including easy access to banking services while traveling and a broad array of features.
This bank delivers a wide range of banking products and wealth management services to meet diverse customer needs.
Business customers can earn a $200 bonus by opening a new account and depositing $5,000 within the first 30 days. Individual customers can also take advantage of a $200 rewards bonus on new credit cards.
With 3,900 branches and 15,000 ATMs nationwide, Bank of America ensures convenient access to financial services across the country.
Additionally, the bank offers an extensive selection of personal and business credit cards, tailored to different spending habits and business requirements.
Great Southern, based in Springfield, has branches across Missouri, Arkansas, Iowa, Kansas, Minnesota, and Nebraska.
The bank provides multiple checking account options, including a free basic account suitable for everyday banking needs.
Great Southern requires a minimum deposit for its checking accounts, but three options only need a $25 minimum deposit to start.
This set includes a second chance checking account that helps individuals who have had difficulties with banking in the past due to their financial history.
Customers of Great Southern have access to Allpoint ATMs nationwide for convenient cash withdrawals at no extra charge.
The bank also offers competitive rates on personal loans, which can be attractive for financing significant purchases or consolidating debts.
Belgrade State Bank is a local bank that offers a wide range of financial services tailored to various needs.
Their personal checking and savings accounts include the Premium Checking Account, which offers competitive interest on higher balances, with a required minimum balance.
For business owners, the bank provides several business checking account options. One popular choice is a free account that allows up to 1,000 monthly transactions without fees, with a small charge for any additional transactions.
The bank also offers investment opportunities through certificates of deposit (CDs), providing an attractive way to grow your savings over time.
PNC Bank is one of the largest national banks in the U.S. and maintains a significant presence in Missouri with 26 branches.
It operates across 29 states, providing customers with easy and free access to over 60,000 ATMs nationwide, making it an ideal choice for frequent travelers or those needing widespread banking access.
To avoid monthly fees on its standard checking accounts, PNC requires just $500 in direct deposits each month. If this requirement isn’t met, a modest $7 monthly fee applies.
PNC also excels in digital banking, offering advanced mobile banking features that allow customers to manage their accounts, pay bills, and deposit checks remotely with ease.
The bank’s mobile app is user-friendly and designed to provide a seamless banking experience that meets the needs of today’s digital consumer.
Additionally, PNC is known for its innovative financial products and services, such as the Virtual Wallet, which combines spending and savings accounts with innovative budgeting tools to help customers manage their finances more effectively.
They also offer a range of loan products, investment services, and wealth management solutions, catering to the diverse needs of their customer base.
Mid-Missouri Bank stands out as a top choice for both small business owners and consumers, featuring 14 branches across Missouri and a network of ATMs within the coverage area.
This bank offers two types of checking accounts: one that earns an annual percentage yield (APY) on your balance and another that provides cash back on debit card purchases, catering to different financial needs and preferences.
Customers benefit from Mid-Missouri’s competitive rates on personal loans, which include options for auto, home, and home equity lines of credit, making it easier to finance big-ticket items or projects.
The checking accounts at Mid-Missouri Bank are especially appealing. The basic account allows customers to choose between earning cash back or an APY on their balance, adding a flexible benefit based on their usage preferences.
Additionally, the bank offers a perk of refunding up to $25 in ATM fees each month, which can significantly reduce the cost of accessing cash across various locations.
Bank of Missouri is known for its excellent checking account options, each offering unique perks to suit different preferences.
Customers can choose from three types of accounts: one with competitive interest, another that provides cash back on debit card purchases, and a third that rewards users with monthly refunds for select digital purchases.
All of these checking accounts come without monthly maintenance fees, adding to their attractiveness. Additionally, the bank refunds up to $25 each month for ATM fees incurred outside its network, offering added convenience.
For savers, Bank of Missouri offers certificates of deposit (CDs) with competitive rates, making it an appealing option for those looking to grow their savings.
Overall, Bank of Missouri combines feature-packed accounts, no maintenance fees, and competitive savings options, making it a top choice for many in the state.
UMB Bank has a rich history of over a century and serves customers not only in Missouri but also in Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona, and Texas.
The UMB Free Checking account stands out due to its affordability, requiring just a $10 minimum to open, and it carries no monthly fees. The bank also provides robust online banking options that simplify transferring funds and depositing checks.
Key advantages of banking with UMB include comprehensive mobile banking capabilities that offer convenience and flexibility, competitive rates on CDs, and the availability of a free checking account, making it a cost-effective choice for everyday banking.
Simmons Bank is a well-established regional bank with deep roots in Missouri, offering a mix of traditional banking and modern conveniences.
It operates branches in cities such as Branson, Cape Girardeau, Columbia, Independence, Jefferson City, Kansas City, Springfield, and St. Louis, making it a convenient option for residents across the state.
For those seeking a no-frills option, Simmons Bank’s Simply Checking account stands out. It has no monthly service fee, no minimum balance requirement, and no minimum opening deposit.
Customers also benefit from access to more than 37,000 fee-free MoneyPass ATMs nationwide.
Simmons also offers tiered savings accounts, CDs, money market accounts, and personal loans. For customers looking to grow their money, interest-bearing checking and savings options are available with competitive rates.
First State Community Bank maintains a significant presence across Missouri, boasting over 50 branches that offer in-person service.
Their Free eChecking account is a standout option for everyday banking, requiring no monthly fees as long as customers sign up to receive electronic statements.
This account includes all the essential features expected from a modern bank, such as online bill pay, mobile deposits, and robust security measures, making it an excellent choice for those who value both convenience and simplicity in their banking experience.
Additionally, First State Community Bank is known for its commitment to community involvement and customer service, further enhancing its appeal to residents looking for a reliable local banking partner.
What to Consider When Choosing a Missouri Bank
Finding the right bank isn’t just about picking the biggest name or the one closest to home. It’s about choosing a financial institution that fits your lifestyle, offers the right products, and doesn’t hit you with unnecessary fees. Here’s what to keep in mind when comparing banks in Missouri.
Type of Bank
Not all banks operate the same way. Depending on your needs, one type may be a better fit than another.
National banks – These offer widespread branch and ATM access, along with a full range of financial services like credit cards, mortgages, and investment accounts. If you travel frequently or want everything under one roof, a national bank might be the right choice.
Regional banks – These operate across multiple states but still focus on local markets. They provide many of the same services as national banks, but may offer better customer support and a more personal banking experience.
Community banks – Smaller, locally owned banks often provide better customer service and a more relationship-driven approach. They may also offer competitive rates and be more willing to work with customers on loans.
Online banks – If you don’t need a physical branch, online banks can be a great option. They typically offer lower fees and higher interest rates on savings because they don’t have the overhead costs of traditional banks.
Credit unions – Member-owned and community-focused, credit unions often provide lower fees, better loan rates, and a more personalized approach. You’ll need to meet eligibility requirements, but several credit unions allow anyone to join.
Products and Services
A bank should offer the accounts and financial tools you need. Whether you want a simple checking account, a high-yield savings option, or small business banking, compare what each institution provides. Look for:
Checking and savings account options
Certificates of deposit (CDs)
Credit cards and loans (auto, mortgage, personal)
Business banking services
Investment and retirement accounts
Fees and Charges
Some banks make it easy to avoid fees, while others charge for everything from overdrafts to out-of-network ATM withdrawals. Pay close attention to:
Monthly maintenance fees (and how to waive them)
ATM fees, especially if you travel
Overdraft and insufficient funds fees
Wire transfer or transaction fees
Accessibility
Think about how and where you like to bank. If you prefer in-person banking, look for a bank with locations near you. If you rely on mobile banking, choose one with a top-rated app. Consider:
Branch and ATM locations
Online and mobile banking capabilities
Customer service availability (phone, chat, in-person)
Customer Experience
Not all banks provide the same level of service. Some offer dedicated customer support teams, while others rely heavily on automated systems. Before choosing a bank, check online reviews and ask about:
Response times for customer service
Support channels (phone, email, live chat)
User experience with mobile and online banking
Local and Community Focus
If supporting local businesses and community initiatives is important to you, look for a bank that gives back. Many community banks and credit unions invest in local programs, sponsor events, and prioritize small businesses.
Final Thoughts
Missouri offers plenty of banking options, each with different benefits, like strong customer service, mobile banking tools, and competitive account features. The best choice comes down to what matters most—whether it’s avoiding fees, accessing convenient ATMs, or earning better interest on savings.
Before opening an account, compare what each bank offers in terms of services, accessibility, and costs. A good banking partner should make managing your money simple and fit seamlessly into your daily life.
Frequently Asked Questions
What is the most popular bank in Missouri?
In Missouri, there is a mix of prominent national banks such as Bank of America and U.S. Bank, and local favorites including Central Bank and Commerce Bank. While the large banks boast a broad array of services and widespread ATM access, Missourians often prefer local banks for their strong state presence and personalized services.
If you opt for a local institution, ensure that it’s covered by the Federal Deposit Insurance Corporation (FDIC) and consider the ATM accessibility, especially when you are on the move.
What is the best bank for small businesses in Missouri?
Selecting a bank for small business banking depends largely on specific needs, such as invoicing clients or monitoring expenditures for tax documentation. For freelancers in Missouri, GO2Bank is a viable option, whereas U.S. Bank stands out for its commendable money management features in its small business banking solutions.
Which Missouri bank is the most reliable?
Safety and reliability in banking often come with partnering with an FDIC-insured institution, guaranteeing the security of your deposits up to $250,000. Larger banks like Bank of America and U.S. Bank bring a legacy of stability and substantial assets, assuring them against default.
In addition, long-standing local banks such as First State, with over 150 years of operation, and Central Bank, established in 1902, offer reliable banking solutions.
Stephanie Faris is a professional finance writer with more than a decade of experience. Her work has been featured on a variety of top finance sites, including Money Under 30, GoBankingRates, Retirable, Sapling, and Benzinga.
