Guide to Retail Banks in Missouri

How to get the most from Missouri retail banking

By Shannon Ambroson

Action Steps
The best contacts and resources to help you get it done

Look locally for Missouri consumer banks in your area

Find retail banks in Missouri within your own community to get personalized service and assistance with your needs. Bank companies offer branches all over the state, often becoming highly involved with individual community events and charities.

I recommend: Choose a local bank such as Lindell Bank or Citizens Bank for competitive checking and savings accounts for your business or personal funds. Investigate Missouri retail banks for special rates for senior citizens, students, military personnel or small business owners.

Contact a personal banker to discuss Missouri retail bank services

Call your local bank branch or fill out applications online to start retail banking services in Missouri. Personal bankers sit down with you, go over your current finances and let you know which services can maximize your money.

I recommend: Trust the bank representatives to help you find the perfect accounts for your situation but remember to ask about hidden fees and variations in interest rates. Regional Missouri Bank shows service fees online so you know exactly what to expect. First Community Bank offers easy switch kits to make changing banks a breeze.

Tailor your accounts to fit your needs using MO retail banks

If your business needs specific services such as corporate credit cards or merchant card processing, account analysis, CDs or high-yield savings accounts, mention these needs when you speak with a representative about retail banking in Missouri.

I recommend: Focus on Missouri retail banks that offer more than just the norm, such as City Bank, which offers health savings accounts. Look at banks like Southwest Bank and Fifth Third Bank for small business and personal financial planning.

Use online banking and save a trip to your Missouri consumer banks' location

Sometimes you can't make it to the bank by closing time. Take advantage of the online banking service your commercial bank in Missouri offers. You can pay bills, check on accounts, transfer funds and change service information without ever having to leave your office or home.

I recommend: Set up accounts with retail banks in MO such as Empire Bank to bank almost entirely from your computer. National companies like Bank of America and US Bank allow you to demo the online services and give you information on employee services such as payroll and direct withdrawal to make your banking more efficient.

Helpful advice for making the most of this Guide

• •  Compare rates to find the best option for banking retail in Missouri. Choose the bank with the lowest rates for the best customer service.
• •  Enroll in employee investment programs and services to give your staff a chance to plan and save for the future. Consumer banks in Missouri offer discounts and special services for small to large business employees.