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.

Open Online in Minutes
Woman with dark hair wearing a lime green blouse is at an OMB teller line receiving money

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.

Read More
a couple is sitting down at a table looking at something on their computer and smiling

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.

Read More

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.
Learn More
An Old Missouri Bank animation of a credit or debit card Cash Rewards

Rewards Checking

Get 5% cash back on your monthly purchases.
Learn More
An animation of a safe closing and locking, illustrating OMB's personal savings accounts INVEST

Stock Rewards Checking

Earn 2.5% back in stock every time you shop with your OMB Stock Rewards debit card.
Learn More
An Old Missouri Bank animation of an ATM THE BASICS

Classic Checking

Everything you need without the extras.
Learn More
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.
Learn More
An Old Missouri Bank animation of a bank vault door with bag of money outside Rainy Day

Classic Savings

Keep funds close when you need them with our Classic Savings account.
Learn More
An Old Missouri Bank animation of a personal checking account check Flexible

Money Market

Combining the best of checking and savings accounts.
Learn More
An Old Missouri Bank animation of a judicial scale with leaves Risk-Free

CDs

Choose your term and grow your earnings risk-free with our CDs.
Learn More
An Old Missouri Bank animation of a trophy Retirement

IRA

You've worked hard, get more out of retirement with an IRA from OMB.
Learn More
An Old Missouri Bank animation of hands holding a heart MEDICAL

HSA

Take advantage of tax-free contributions for your medical expenses.
Learn More
An Old Missouri Bank animation of fireworks Introductory

Youth Savings

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

Private Banking

With dedicated accounts, innovative solutions and other unique privileges, you'll enjoy a first-class experience with private banking.
Learn More
SPENDING
Image of the OMB Consumer debit card. Debit card has dark navy background with drop shapes in different colors such as teal lime and blue

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.

Why bank at OMB?

An Old Missouri Bank animation of an ATM

Nationwide ATM Access

Get access to more than 36,000 surcharge-free MoneyPass® ATMs nationwide.

An Old Missouri Bank animation of a desktop computer behind a financial institution

Connected 24/7

Our online banking and bill pay services are fast, secure, and so easy to use. The best part? They're free.

An Old Missouri Bank animation of a credit or debit card

Contactless Payments

Your OMB debit card is compatible with Apple Pay, Google Pay and Samsung Pay — easy and secure.

PRIVATE BANKING
a collage of OMB Private Banking Officers featuring Sarah Smith on teal blue background, Alexandra Hamai on a lime green background, and Christy Maupin on a dusty blue background

A First-class Experience

With expertise you can trust, our exclusive private banking program is designed to support your goals and celebrate your successes. Get dedicated support for:

  • Real estate loans
  • Personal loans
  • Business loans
  • Digital banking

Plan for Anything

Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.

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
Jack Henry Mobile app dashboard mockup

MONEY TIPS

See More
Commercial buildings and the public market in Lenexa, KS

5 Tips for Kansas City Small Businesses

Ready to start, or grow, a business in the KC area? These tips can help.

Read More

How to Negotiate a Lower Credit Card Rate

Negotiating a lower interest rate on your credit card can save you loads of money in the long run.

Read More
Closeup of a woman's hands holding receipts and plugging numbers into a calculator doing taxes

Understanding Taxes: Everything You Need to Know

The best way to prepare for tax season is to educate yourself. Learn about important terms, forms, resources, and more so you can file feeling like a pro.

Read More

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.

Not sure which account is right for you?

Take Our Quiz