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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Banking 
Services at OMB

No matter which personal banking account you choose, you'll also get local service and the convenience of a bank that's here for you 24/7 online and on your phone.

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Personal Checking

Interest earnings, cash back, fee-free ATMs and more. Make your money one less thing to worry about with our variety of checking options.

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Personal Savings

A major purchase, a rainy day, your retirement plans—whatever you’re saving for, we’ve got an account that works for you.

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Everyone Likes to Feel Special

Our CD specials are designed to help you take advantage of the best rates available - but hurry, they're only for a limited time!

An Old Missouri Bank animation of a house plant with a dollar sign on one of the leans AMAZING RATE

7 Month CD Special

Earn 4.00% APY* for 7 months with this great CD special.
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An Old Missouri Bank animation of a house plant with a dollar sign on one of the leans HIGH RATE

9 Month CD Special

Earn 3.90% annual percentage yield for a limited time!
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An Old Missouri Bank animation of a house plant with a dollar sign on one of the leans LIMITED TIME

13 Month CD Special

Earn 3.80% annual percentage yield for a limited time!
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An Old Missouri Bank animation of a plant growing money flowers LONGER TERM

27 Month CD Special

Earn 3.50% annual percentage yield for a limited time!
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Our Products at a Glance

An illustrated animation of a wallet indicating a high-interest checking account BEST RATE

High Interest Checking

Earn up to 2.01% APY* on balances up to $25,000.
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Rewards Checking

Get 5% cash back on your monthly purchases.
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An Old Missouri Bank animation of an ATM THE BASICS

Classic Checking

Everything you need without the extras.
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An Old Missouri Bank animation of a plant growing money flowers Great Rate

High Interest Savings

Earn 1.00% APY* on balances up to $100,000.
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Classic Savings

Keep funds close when you need them with our Classic Savings account.
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Money Market

Combining the best of checking and savings accounts.
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CDs

Enjoy competitive fixed rates and secure returns with a certificate of deposit.
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An Old Missouri Bank animation of a trophy Retirement

IRA

You've worked hard, get more out of retirement with an IRA from OMB.
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HSA

Take advantage of tax-free contributions for your medical expenses.
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Youth Savings

Help introduce kids to banking and saving for a goal while keeping their cash safe.
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An Old Missouri Bank animation of a briefcase PRIVATE

Private Banking

With dedicated service, innovative solutions and other unique privileges, you’ll enjoy a first-class banking experience with OMB.
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SPENDING
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Swiping Made Better

Find 24/7 access to surcharge-free ATMs nationwide via the MoneyPass® ATM network. Free for any OMB customer with a personal checking account.

Yes, you may close your checking account at any time without penalty. However, it is a good idea to make sure any recurring bill payments or direct deposits have been properly routed to new accounts before doing so.

Harness the Power of Mobile Banking

OMB's industry-leading mobile banking app puts you in control of your finances in powerful new ways. Check balances, transfer funds, pay bills, deposit checks, even chat live with our friendly staff directly in the app. With enhanced digital banking features and online security, you'll wonder how you ever lived without it. Download it now!

Your 24/7 Personal Digital Branch

Payments are fast, safe and easy thanks to Zelle®. Pay your family and friends or request money regardless of where they bank.

Download on the App StoreGet it on Google Play
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MONEY TIPS

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How to Build an Emergency Fund from Scratch

Building an emergency fund is one of the smartest financial moves you can make. It provides a safety net for unexpected expenses, reduces stress and helps you avoid debt when life throws curveballs. In this comprehensive article, we’ll walk you through practical steps to create an emergency fund from the beginning - no matter your income or current savings - and provide strategies for staying consistent even when money is tight.

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OMB's Director of Treasury Services Ashlee Radford and Treasury Services Officer Devon Angus

Why Local Businesses Choose OMB Bank for Treasury Services

At OMB Bank, Treasury Services is about more than numbers - it’s about people. Learn how your business could benefit and how community banking makes all the difference.

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This image illustrates the concept of financial growth and interest rates, featuring charts, percentages, and analytical tools like a calculator, glasses, and pencils.

APR vs. APY: What’s the Difference and Why Does It Matter?

APR and APY may sound similar, but they measure two very different things - and understanding them can help you make smarter financial decisions. Whether you’re comparing loan offers or exploring savings accounts, knowing how these percentages affect what you owe or earn is essential. Learn more in simple terms, with examples to help you see how each one impacts your money.

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NEED HELP?

Get more Help

How do I order or replace my debit card?

Where can I find my account number?

How do I change or reset my online banking password?

What should I do if my debit card is lost or stolen?

How do I change my address?

What is my routing number?

OMB's routing number is 086518891.