Find answers – fast!

We’d never leave you with questions. Find easy answers right here.

Chances are, we’ve heard your question before. To make things easier for you, we’ve compiled our most frequently asked questions in an easy to find format just for you. And if you don't find the answer, we’d love to hear from you over the phone, in our app, on our website or right in one of our ready-to-serve-you branches. Give us a call at 888-547-6541, find a bank location or contact us online.

General questions


Conveniently check your balance and more at 888-627-6799. 

Good news—if you make a deposit with a Bank of Missouri associate in-person on any business day, the deposit will be processed that same day.

If you make a deposit on a Saturday, or any day when the bank is closed, the deposit will be processed the following business day.

And just for clarity’s sake: a “business day” refers to every day except for Saturday, Sunday, and federal holidays.

The cutoff time for deposits made at a Bank of Missouri ITM (interactive teller machine) is 7:00 PM, Monday-Friday.

If you make a home equity loan payment, overdraft protection payment, or a consumer home loan payment on a Monday through Friday, that payment will be posted the same business day, provided it was made in-person with a bank associate. Similarly, all other loan payments will also be posted the same business day. Payments made on a Saturday will be posted the following business day.

Mobile and online banking transfers between your Bank of Missouri accounts have a cutoff time of 9:00 PM, Monday through Friday. 

Transactions at a Bank of Missouri ATM have a cutoff time of 2:00 PM, Monday through Friday. 

Online banking and ATM transactions are not processed on Saturdays, Sundays, or federal holidays. Any transactions made on these days will be processed on the following processing day.

2021 legal holiday schedule 

Date Holiday
January 1 New Year's Day
January 18 Martin Luther King Jr. Day
February 15 Presidents' Day
May 31 Memorial Day
June 19 Juneteenth
July 5 Independence Day Observed
September 6 Labor Day
October 11 Columbus Day
November 11 Veterans Day
November 25 Thanksgiving Day
December 25 Christmas Day

Deposit checks anytime through our app. Just click “Deposit” and the app will guide you through it. Also, most of our ATMs can accept deposits, and all locations have a night drop box.

Visit our check order center.  

You can contact the credit bureaus directly or request credit reports by visiting https://www.annualcreditreport.com/index.action. You may also call 877-322-8228.

Under the Fair and Accurate Credit Transactions Act, you have the right to notify us directly if you believe any information we are reporting to the credit bureau regarding your account with us is inaccurate. Give us a call at 888-547-6541, and we will investigate your dispute and respond to your request as required by law.

For information regarding requests, how to contact us, and what information we need to assist you, visit our notice center for consumer mortgages

Mobile and online banking

You can enroll on the web or in the app:

You can easily switch back and forth between the web experience and the app at your convenience. Your enrollment is good for both options! Enroll one time, either way, and you’re ready to use online banking on the web and in the mobile app.

We can help! Simply click the “Forgot” link on the login page to retrieve your username and/or reset your password. If password reset is not working, it’s possible your account is locked, which happens after several unsuccessful login attempts. Give us a call at 888-547-6541 and we will be happy to help.

Whether you’re on a web browser or our mobile banking app, you can transfer funds between your Bank of Missouri accounts easily. You can also connect external accounts (bank accounts you may have with other financial institutions) to check balances and make transfers. Simply click the three dots by your account listing, and select “Connect an Account.” Search for your bank and then enter that username and password. Done!

The Bank of Missouri doesn’t provide direct integration to any outside financial management software such as Quicken, Mint, or Acorn. However, you are still able to add your Bank of Missouri account to them. You would simply follow the instructions from that provider to log in to your Bank of Missouri account. Logging in through a software that is not from The Bank of Missouri will require the bank’s two-factor authentication. This means you will receive a text with a verification code to log in. Some vendors only require this when you add your Bank of Missouri account for the first time, but some may require it other times as well.

Something that you may find even easier though, is utilizing The Bank of Missouri’s very own personal financial management features right within our app—no separate login needed. Look for “Budget and Save” in the app menu, or if you’re using a web browser instead, click into any account to find the button. Learn more about these exciting features.

You sure can—in online banking. Once you’re in your online account, look for the “Transactions” tile and click the download arrow. Select your date range and file type, and then click “Download.” 

If you’re using the app, you can definitely search for specific transactions—but be sure you’re logged into the web browser if you want to download them.

If you lose the device you normally use for banking online (such as your cell phone or laptop), you can unauthorize that device by visiting “Settings” within your account from another device. Tap “Settings,” then “Security,” then “Recently Used Devices.” 

For product information and FAQs, please visit our Mobile Check Deposit Center.

Electronic statements

You can enroll through our app or the web experience. Click into an account and then tap “Documents.” Next, click “Documents and Settings.” Select all the accounts you’d like to receive electronic statements for, and then tap “Save Settings.”

If you want to save some trees and say “goodbye” to paper statements, you’ll need to enroll each individual account for electronic statements. From within any account, tap “Documents” and then “Documents and Settings” to select additional accounts to enroll. Trees everywhere thank you!

These are available for 18 months. If you need copies of statements prior to that, you may want to consider printing or downloading statements each month via the web experience (not through the app) before they become unavailable 18 months later. We are happy to retrieve a copy of older statements for you, but there may be a fee associated with this service to cover paper and/or mailing costs. 


Visit “Payments” from the main menu in either the web or the app to get started. Once you enroll, you’re ready to begin adding payees and making payments.

Electronic payments are deducted from your account on the payment date, with payments processed at 7:00 AM and 2:00 PM, Monday through Friday. Payments made by check will be deducted from your account when the draft reaches our bank—the same as if you had written the check yourself. Too easy!

Electronic bill payments will be attempted at 7:00 AM and 2:00 PM for up to two days until funds are available to process the transaction. If you have overdraft protection, that may be used to make a payment in the case of insufficient funds. BillPay by check will be handled as your other checks are.

Yes! If you’re outside the U.S., you can pay bills within the U.S., so long as you have a bank account in the U.S. However, you can’t pay bills to payees outside the U.S.

A payment can be edited or deleted at any time, so long as it has not been processed yet and is still shown as “Pending.”

Some helpful info to remember is that payments entered after 2:00 PM will be processed the following business day. Any payments scheduled over the weekend will be processed on Monday. Remember also that payments are not processed on holidays, so you may want to choose the day before or the day after the holiday for processing.

A check can be stopped by placing a “stop payment.” A fee will apply.

An electronic payment can be deleted if the payment still shows as “Pending.” If the system sent the payment already and you no longer see that it’s in “Pending” status, that electronic payment can’t be stopped.

For 18 months.

Debit cards

You can use one of these three convenient options:

  • Whether you’re using a web browser or the app, scroll to the “Card Management” section on your dashboard. Select the card in question, and then tap “Report Lost/Stolen” on the next page. Another way to do this is to tap into an account, and then tap “Card Management.”
  • Call 888-547-6541 if you want us to do this for you.
  • As a third option, you can call 888-627-6799 and follow the prompts. This is the number for our AnyTime Access telephone banking.

Three convenient steps:

  1. Call 800-290-7893
  2. Enter your 16-digit card number, followed by the pound (#) sign
  3. Press “1” to set or change your PIN

If you’re traveling outside of the country (or even just outside of Missouri), please give us a call at any Bank of Missouri location to give us a friendly heads-up. Special steps are required to ensure your card will be accepted as you travel.

You can also notify us by logging into the app and clicking the little airplane image next to “Card Management.” On the next page, click “Add a Travel Notice” and follow the steps.

Helping you Live Well, Bank Well