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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
  • Check Mark Icon Interest-Earning Checking Account*
  • Check Mark Icon No Monthly Maintenance Fees
  • Check Mark Icon Online Banking with Bill Pay
  • Check Mark Icon Mobile Banking with Card Controls
  • Check Mark Icon Free ATM Withdrawals at TBO Bank and UMB Bank Locations
  • Check Mark Icon Unlimited Check Writing
  • Check Mark Icon Debit Card
  • Check Mark Icon E-statements Available**

Minimum Opening Balance: $100.00

Minimum Balance to Earn Interest: $500.00

Basic Checking
  • Check Mark Icon No Monthly Maintenance Fees
  • Check Mark Icon Online Banking with Bill Pay
  • Check Mark Icon Mobile Banking with Card Controls
  • Check Mark Icon Free ATM Withdrawals at TBO Bank and UMB Bank Locations
  • Check Mark Icon Unlimited Check Writing
  • Check Mark Icon Debit Card
  • Check Mark Icon 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)
  • Check Mark Icon Interest-Earning Savings Account*
  • Check Mark Icon No Monthly Maintenance Fees
  • Check Mark Icon Online Banking with Bill Pay
  • Check Mark Icon Mobile Banking with Card Controls
  • Check Mark Icon Debit Card
  • Check Mark Icon E-statements Available**

Minimum Opening Balance: $100.00

Minimum Balance to Earn Interest: $1,000.00

Statement Savings
  • Check Mark Icon Interest-Earning Savings Account*
  • Check Mark Icon No Monthly Service Charge
  • Check Mark Icon Online Banking with Bill Pay
  • Check Mark Icon Mobile Banking with Card Controls
  • Check Mark Icon Debit Card
  • Check Mark Icon E-statements Available**

Minimum Opening Balance: $50.00

Minimum Balance to Earn Interest: None

Health Savings Account (HSA)
  • Check Mark Icon Interest-Earning Savings Account*
  • Check Mark Icon No Monthly Service Charge
  • Check Mark Icon Online Banking with Bill Pay
  • Check Mark Icon Mobile Banking with Card Controls
  • Check Mark Icon Debit Card
  • Check Mark Icon Unlimited Check Writing
  • Check Mark Icon 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
DOWNLOAD THE TBO BANK APP

Bank anywhere with TBO Mobile Banking

Stay connected to your accounts anytime, anywhere with the TBO Mobile app! Download it today for easy access to your balances, transfers, bill pay, and more—all in one secure and convenient place.

Download the app from the Apple Store  Download the app from Google Play

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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.