
PERSONAL BANKING
Banking That Just Adds Up
Discover flexible financial support that fits your lifestyle, grows alongside you and gives you the confidence to reach every goal you set – the perfect equation. From checking and savings to investment and borrowing options, we have something to accommodate you every step of the way.


SMART, SIMPLE, SECURE
Checking Accounts
Whether you’re looking for a basic checking account or one that earns interest, we have the perfect option for you. Our accounts are designed to fit your financial needs, giving you the flexibility to manage your money effortlessly.
Plus, with our easy-to-use online and mobile banking, you can access and control your TBO account anytime, anywhere. Managing your finances has never been more convenient or accessible.
Checking Plus
Interest-Earning Checking Account*
No Monthly Maintenance Fees
Online Banking with Bill Pay
Mobile Banking with Card Controls
Free ATM Withdrawals at TBO Bank and UMB Bank Locations
Unlimited Check Writing
Debit Card
E-statements Available**
Minimum Opening Balance: $100.00
Minimum Balance to Earn Interest: $500.00
Basic Checking
No Monthly Maintenance Fees
Online Banking with Bill Pay
Mobile Banking with Card Controls
Free ATM Withdrawals at TBO Bank and UMB Bank Locations
Unlimited Check Writing
Debit Card
E-statements Available*
Minimum Opening Balance: $50.00


SAVE SMARTER, REACH YOUR GOALS FASTER
Savings Accounts
TBO Bank makes saving simple and easy — from just starting to save to building an emergency fund to working toward a big purchase.
Money Market Investment Account (MMIA)
Interest-Earning Savings Account*
No Monthly Maintenance Fees
Online Banking with Bill Pay
Mobile Banking with Card Controls
Debit Card
E-statements Available**
Minimum Opening Balance: $100.00
Minimum Balance to Earn Interest: $1,000.00
Statement Savings
Interest-Earning Savings Account*
No Monthly Service Charge
Online Banking with Bill Pay
Mobile Banking with Card Controls
Debit Card
E-statements Available**
Minimum Opening Balance: $50.00
Minimum Balance to Earn Interest: None
Health Savings Account (HSA)
Interest-Earning Savings Account*
No Monthly Service Charge
Online Banking with Bill Pay
Mobile Banking with Card Controls
Debit Card
Unlimited Check Writing
E-statements Available**
Minimum Opening Balance: None
Minimum Balance to Earn Interest: $500.00
Invest & Borrow
Whether you're building your savings for the future or looking for the right loan to meet your needs, TBO Bank is here to help. We offer a range of secure and flexible savings options to help you grow your money with confidence, along with competitive loan solutions designed to fit your unique financial goals. No matter where you are on your financial journey, we provide the tools, guidance, and support to help you succeed.

Certificates of Deposit
Accelerate your savings with a CD from TBO Bank. Get guaranteed returns and protection from market variability with competitive interest rates, no maintenance fees, and fixed interest rate for entire term.
Learn More About Our CDs
IRA Accounts
An Individual Retirement Account is an investment account designed to help you maximize your retirement savings. We offer a variety of IRAs, including the Traditional IRA and Roth IRA.

Loans
Our experienced loan officers will work with you to ensure you get the loan that works best for your distinct needs, with the most competitive rates and terms and a hassle-free process.
Learn More About Our Loans
HAVE A QUESTION?
Contact Us
Prefer a little more guidance? Talk to one of our helpful advisors for answers to any questions you might have. Whether you’re interested in opening a new account or seeking lending options, we’re here to help get you started.
