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Best Checking Accounts & Rates in Missouri - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 22, 2026

The best checking rates for Missouri include Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO 63043A5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking Level 2 at 8.00% APY, 1st MidAmerica Credit Union1st MidAmerica Credit Union19301 E Valley View Pkwy, Independence, MO 64055A+5.0 ★Texas Ratio: 2.79% High Interest Reward Checking at 5.00% APY, Heritage Bank of the OzarksHeritage Bank of the Ozarks1475 S Jefferson Ave, Lebanon, MO 65536A+5.0 ★Texas Ratio: 3.74% Neighbor Rewards Checking at 5.00% APY, United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO 64055A+5.0 ★Texas Ratio: 3.93% at 4.50% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4545 S Noland Rd, Independence, MO 64055B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY. Checking account rates as of May 22, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Missouri side-by-side. Missouri checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 13655 Riverport Dr, Maryland Heights, MO, 63043. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Missouri. Checking Account Rates Last Updated and Verified: May 22, 2026

Compare Checking Account Rates Today in Missouri

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
13655 Riverport Dr
Maryland Heights, MO 63043
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
High Interest Reward Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
1475 S Jefferson Ave
Lebanon, MO 65536
Neighbor Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $10,000

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1111 E 23rd St S
Independence, MO 64055
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $20,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4545 S Noland Rd
Independence, MO 64055
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3805 Union Rd
Saint Louis, MO 63125 4320
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1280 S Highway Dr
Fenton, MO 63026 1913
Best Interest Checking
4.00%
$0
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifying balance up to $10,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
13655 Riverport Dr
Maryland Heights, MO 63043
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
Montgomery eGold Checking Account
3.01%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $15,000.00

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
400 S Main St
Palmyra, MO 63461
Heroes Checking
2.33%
$50
View
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
400 S Main St
Palmyra, MO 63461
E-PREMIER CHECKING
2.33%
$50
View
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $25,000.00

Phelps County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
220 N Jefferson St
Saint James, MO 65559
Ultimate Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $24,999.99

Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $15,000.00

Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
Montgomery eTeen Checking
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $1,000.00

Infuze Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5000 Illinois Ave
Fort Leonard Wood, MO 65473
High-Rate Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifying balance up to $25,000.00

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
90 Village Square Shop Ctr
Hazelwood, MO 63042
Interest Checking
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No Fees

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
Elite Business Checking Business
1.92%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Over $100,000.00

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
Elite Business Checking Business
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

$50,000.00 - $99,999.99

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
Elite Business Checking Business
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

$25,000.00 - $49,999.99

State Bank Waterloo, IL
Institution Rating:
B4.6 ★ Texas Ratio: 20.21%
6969 S Lindbergh Blvd
Saint Louis, MO 63125
Cash Rewards Checking
1.75%
$50
View
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
13655 Riverport Dr
Maryland Heights, MO 63043
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
1475 S Jefferson Ave
Lebanon, MO 65536
Neighbor Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $10,000

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
High Interest Reward Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1111 E 23rd St S
Independence, MO 64055
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $20,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4545 S Noland Rd
Independence, MO 64055
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3805 Union Rd
Saint Louis, MO 63125 4320
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1280 S Highway Dr
Fenton, MO 63026 1913
Best Interest Checking
4.00%
$0
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifying balance up to $10,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
13655 Riverport Dr
Maryland Heights, MO 63043
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
Montgomery eGold Checking Account
3.01%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $15,000.00

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
400 S Main St
Palmyra, MO 63461
Heroes Checking
2.33%
$50
View
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
400 S Main St
Palmyra, MO 63461
E-PREMIER CHECKING
2.33%
$50
View
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $25,000.00

Phelps County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
220 N Jefferson St
Saint James, MO 65559
Ultimate Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $24,999.99

Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $15,000.00

Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
Montgomery eTeen Checking
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $1,000.00

Infuze Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5000 Illinois Ave
Fort Leonard Wood, MO 65473
High-Rate Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifying balance up to $25,000.00

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
90 Village Square Shop Ctr
Hazelwood, MO 63042
Interest Checking
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No Fees

State Bank Waterloo, IL
Institution Rating:
B4.6 ★ Texas Ratio: 20.21%
6969 S Lindbergh Blvd
Saint Louis, MO 63125
Cash Rewards Checking
1.75%
$50
View
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $10,000.00

Bank of Franklin County
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
900 E 8th St
Washington, MO 63090
Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
400 S Main St
Palmyra, MO 63461
Non-Profit Checking
1.16%
$100
View
▼
Rate1.15%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

FCNB Bank
Institution Rating:
B-4.4 ★ Texas Ratio: 22.82%
402 W Main St
Steelville, MO 65565
Real Life Interest Checking
1.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details

Qualifications Required: 10 VISA Debit Card transactions; One Direct Deposit or ACH; Receive your statements through digital statements; Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
1475 S Jefferson Ave
Lebanon, MO 65536
Neighbor Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $10,000

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
High Interest Reward Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1111 E 23rd St S
Independence, MO 64055
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $20,000

State Bank Waterloo, IL
Institution Rating:
B4.6 ★ Texas Ratio: 20.21%
6969 S Lindbergh Blvd
Saint Louis, MO 63125
Cash Rewards Checking
1.75%
$50
View
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $10,000.00

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
802 E Breckenridge St
Mexico, MO 65265
Reward Checking
0.60%
$50
View
▼
Rate0.60%
Min Deposit$50
Min Balance—
UpdatedMay 18, 2026
Details

Qualifying balance up to $25,000.00

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
4545 Lemay Ferry Rd
Saint Louis, MO 63129
Rewards+ Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $5000

Tri-County Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
103 Commerce St
Glasgow, MO 65254
My Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

State Bank Waterloo, IL
Institution Rating:
B4.6 ★ Texas Ratio: 20.21%
6969 S Lindbergh Blvd
Saint Louis, MO 63125
Cash Rewards Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

On non-qualifying balances

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
444 S Rinker Ave
Aurora, MO 65605
Freedom Shield Gold Checking Account ++
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
444 S Rinker Ave
Aurora, MO 65605
Freedom Shield Plus Checking Account ++
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
400 E Miller St
Jefferson City, MO 65101
Free Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Earn Dividends: $25 Average Daily Balance

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
318 W Main St
Sullivan, MO 63080
50+ Free Interest Checking
0.01%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
90 Village Square Shop Ctr
Hazelwood, MO 63042
Free Checking
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No Fees

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.10%
6300 S Lindbergh Blvd
Saint Louis, MO 63123 7804
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4545 S Noland Rd
Independence, MO 64055
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4545 S Noland Rd
Independence, MO 64055
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1 Montgomery Bank Plaza St
Sikeston, MO 63801
Montgomery eTeen Checking
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $1,000.00

United Bank of Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.65%
15 E Main St
Union, MO 63084
College Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

United Bank of Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.65%
15 E Main St
Union, MO 63084
Teen Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
161 US Highway 60 W
Republic, MO 65738
Teen Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

(ADB/month of $200.00)

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
Elite Business Checking Business
1.92%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Over $100,000.00

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
Elite Business Checking Business
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

$50,000.00 - $99,999.99

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
19301 E Valley View Pkwy
Independence, MO 64055
Elite Business Checking Business
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

$25,000.00 - $49,999.99

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2335 N Belt Hwy Ste D
Saint Joseph, MO 64506
Premier Business Checking Business
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

Minimum Deposit to Open and Obtain APY*: $50,000 and Over

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
400 S Main St
Palmyra, MO 63461
Business Interest Checking Business
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
211 N Broadway
Saint Louis, MO 63102
Business Interest Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
211 N Broadway
Saint Louis, MO 63102
Small Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Tri-County Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
103 Commerce St
Glasgow, MO 65254
Business Interest Checking Business
0.50%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2335 N Belt Hwy Ste D
Saint Joseph, MO 64506
Premier Business Checking Business
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K
O Fallon, MO 63368 8294
High-Yield Business Interest Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

No additional details provided.

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
206 N 5th St
St Charles, MO 63301
Business NOW Checking Business
0.40%
$100
View
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K
O Fallon, MO 63368 8294
High-Yield Business Interest Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
2335 N Belt Hwy Ste D
Saint Joseph, MO 64506
Premier Business Checking Business
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
13655 Riverport Dr
Maryland Heights, MO 63043
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
444 S Rinker Ave
Aurora, MO 65605
Business Interest Checking ++ Business
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K
O Fallon, MO 63368 8294
High-Yield Business Interest Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

No additional details provided.

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1111 E 23rd St S
Independence, MO 64055
Business Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K
O Fallon, MO 63368 8294
High-Yield Business Interest Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

No additional details provided.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
8451 N Madison Ave
Kansas City, MO 64155 2779
Business Advantage Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

No additional details provided.

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1255 Se Oldham Pkwy
Lees Summit, MO 64081
Business Interest Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Missouri Checking Rate Trends

Compare local Missouri checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Missouri Checking Trends →
High-Yield Checking — MO Avg
3.294%
▲ 0.167 vs 7 days ago

Missouri high-yield checking rates rose 0.167 points over the past 7 days to 3.294% APY.

Free Checking — MO Avg
1.281%
▼ 0.126 vs 7 days ago

Missouri free checking rates fell 0.126 points over the past 7 days to 1.281% APY.

As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Missouri checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Missouri directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Missouri. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MO.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Missouri earn interest?

Most traditional local checking accounts in Missouri earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Missouri FDIC insured?

Yes. Legitimate banks with branches in Missouri are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Missouri

Based on our current data, some of the highest checking account APYs available to residents of Missouri include:
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • 1st MidAmerica Credit Union
    High Interest Reward Checking — 5.00% APY
  • Heritage Bank of the Ozarks
    Neighbor Rewards Checking — 5.00% APY
  • United Consumers Credit Union
    — 4.50% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Missouri. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 22, 2026

Missouri Rates & Resources

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Checking Account Rates by City in Missouri

  • Adrian
  • Advance
  • Agency
  • Alba
  • Albany
  • Aldrich
  • Alexandria
  • Allendale
  • Allenton
  • Alma
  • Altamont
  • Altenburg
  • Alton
  • Amazonia
  • Amity
  • Amoret
  • Amsterdam
  • Anabel
  • Anderson
  • Annada
  • Annapolis
  • Anniston
  • Appleton City
  • Arbela
  • Arbyrd
  • Arcadia
  • Archie
  • Arcola
  • Argyle
  • Armstrong
  • Arnold
  • Arrow Rock
  • Asbury
  • Ash Grove
  • Ashburn
  • Ashland
  • Atlanta
  • Augusta
  • Aurora
  • Auxvasse
  • Ava
  • Avilla
  • Bakersfield
  • Ballwin
  • Baring
  • Barnard
  • Barnett
  • Barnhart
  • Bates City
  • Beaufort
  • Belgrade
  • Bell City
  • Belle
  • Belleview
  • Bellflower
  • Belton
  • Bendavis
  • Benton
  • Benton City
  • Berger
  • Bernie
  • Bertrand
  • Bethany
  • Bethel
  • Beulah
  • Bevier
  • Billings
  • Birch Tree
  • Bismarck
  • Bixby
  • Black
  • Blackburn
  • Blackwater
  • Blackwell
  • Blairstown
  • Bland
  • Blodgett
  • Bloomfield
  • Bloomsdale
  • Blue Eye
  • Blue Mound
  • Blue Springs
  • Blythedale
  • Bogard
  • Bois D Arc
  • Bolckow
  • Bolivar
  • Bonne Terre
  • Bonnots Mill
  • Boonville
  • Boss
  • Bosworth
  • Bourbon
  • Bowling Green
  • Bradleyville
  • Bragg City
  • Braggadocio
  • Brandsville
  • Branson
  • Brashear
  • Braymer
  • Brazeau
  • Breckenridge
  • Briar
  • Bridgeton
  • Brighton
  • Brinktown
  • Brixey
  • Bronaugh
  • Brookfield
  • Brookline Station
  • Broseley
  • Browning
  • Brownwood
  • Brumley
  • Bruner
  • Brunswick
  • Bucklin
  • Buckner
  • Bucyrus
  • Buffalo
  • Bunceton
  • Bunker
  • Burfordville
  • Burlington Junction
  • Butler
  • Butterfield
  • Cabool
  • Cadet
  • Cainsville
  • Cairo
  • Caledonia
  • Calhoun
  • California
  • Callao
  • Camden
  • Camden Point
  • Camdenton
  • Cameron
  • Campbell
  • Canalou
  • Canton
  • Cape Fair
  • Cape Girardeau
  • Caplinger Mills
  • Cardwell
  • Carl Junction
  • Carrollton
  • Carterville
  • Carthage
  • Caruthersville
  • Cascade
  • Cassville
  • Catawissa
  • Catron
  • Caulfield
  • Cedar City
  • Cedar Hill
  • Cedarcreek
  • Center
  • Centertown
  • Centerview
  • Centerville
  • Centralia
  • Chadwick
  • Chaffee
  • Chamois
  • Charleston
  • Cherryville
  • Chesterfield
  • Chestnutridge
  • Chilhowee
  • Chillicothe
  • Chula
  • Clarence
  • Clark
  • Clarksburg
  • Clarksdale
  • Clarksville
  • Clarkton
  • Clay
  • Clearmont
  • Cleveland
  • Clever
  • Clifton Hill
  • Climax Springs
  • Clinton
  • Clubb
  • Clyde
  • Coatsville
  • Coffey
  • Cole Camp
  • Collins
  • Columbia
  • Commerce
  • Conception
  • Conception Junction
  • Concordia
  • Conran
  • Conway
  • Cook Station
  • Cooter
  • Corder
  • Cosby
  • Cottleville
  • Couch
  • Cowgill
  • Craig
  • Crane
  • Creighton
  • Crocker
  • Cross Timbers
  • Crystal City
  • Cuba
  • Curryville
  • Dadeville
  • Daisy
  • Dalton
  • Darlington
  • Davisville
  • Dawn
  • De Kalb
  • De Soto
  • De Witt
  • Dearborn
  • Deepwater
  • Deerfield
  • Deering
  • Defiance
  • Delta
  • Denver
  • Des Arc
  • Devils Elbow
  • Dexter
  • Diamond
  • Diggins
  • Dittmer
  • Dixon
  • Doe Run
  • Doniphan
  • Dora
  • Dover
  • Downing
  • Drexel
  • Drury
  • Dudley
  • Duenweg
  • Duke
  • Dunnegan
  • Durham
  • Dutchtown
  • Dutzow
  • Eagle Rock
  • Eagleville
  • Earth City
  • East Lynne
  • East Prairie
  • Easton
  • Edgar Springs
  • Edgerton
  • Edina
  • Edwards
  • El Dorado Springs
  • Eldon
  • Eldridge
  • Elk Creek
  • Elkland
  • Ellington
  • Ellsinore
  • Elmer
  • Elmo
  • Elsberry
  • Emden
  • Eminence
  • Emma
  • Eolia
  • Essex
  • Ethel
  • Etterville
  • Eudora
  • Eugene
  • Eunice
  • Eureka
  • Everton
  • Ewing
  • Excello
  • Excelsior Springs
  • Exeter
  • Fagus
  • Fair Grove
  • Fair Play
  • Fairdealing
  • Fairfax
  • Fairport
  • Fairview
  • Falcon
  • Farber
  • Farley
  • Farmington
  • Farrar
  • Faucett
  • Fayette
  • Fenton
  • Festus
  • Fillmore
  • Fisk
  • Flemington
  • Fletcher
  • Flinthill
  • Florence
  • Florissant
  • Foley
  • Fordland
  • Forest City
  • Foristell
  • Forsyth
  • Fort Leonard Wood
  • Fortuna
  • Foster
  • Frankford
  • Franklin
  • Fredericktown
  • Freeburg
  • Freeman
  • Freistatt
  • Fremont
  • French Village
  • Friedheim
  • Frohna
  • Fulton
  • Gainesville
  • Galena
  • Gallatin
  • Galt
  • Garden City
  • Garrison
  • Gasconade
  • Gatewood
  • Gentry
  • Gerald
  • Gibbs
  • Gibson
  • Gideon
  • Gilliam
  • Gilman City
  • Gipsy
  • Glasgow
  • Glenallen
  • Glencoe
  • Glenwood
  • Glover
  • Gobler
  • Golden
  • Golden City
  • Goodman
  • Goodson
  • Gordonville
  • Gorin
  • Gower
  • Graff
  • Graham
  • Grain Valley
  • Granby
  • Grandin
  • Grandview
  • Granger
  • Grant City
  • Grassy
  • Gravois Mills
  • Gray Summit
  • Grayridge
  • Green Castle
  • Green City
  • Green Ridge
  • Greenfield
  • Greentop
  • Greenville
  • Greenwood
  • Grover
  • Grovespring
  • Grubville
  • Guilford
  • Hale
  • Half Way
  • Hallsville
  • Halltown
  • Hamilton
  • Hannibal
  • Hardenville
  • Hardin
  • Harris
  • Harrisburg
  • Harrisonville
  • Hartsburg
  • Hartshorn
  • Hartville
  • Harviell
  • Harwood
  • Hatfield
  • Hawk Point
  • Hayti
  • Hazelwood
  • Helena
  • Hematite
  • Henley
  • Henrietta
  • Herculaneum
  • Hermann
  • Hermitage
  • Higbee
  • Higginsville
  • High Hill
  • High Point
  • High Ridge
  • Highlandville
  • Hillsboro
  • Hiram
  • Holcomb
  • Holden
  • Holland
  • Holliday
  • Hollister
  • Holt
  • Holts Summit
  • Hopkins
  • Hornersville
  • Horton
  • House Springs
  • Houston
  • Houstonia
  • Huggins
  • Hughesville
  • Humansville
  • Hume
  • Humphreys
  • Hunnewell
  • Huntsville
  • Hurdland
  • Hurley
  • Iberia
  • Imperial
  • Independence
  • Ionia
  • Irondale
  • Ironton
  • Isabella
  • Jackson
  • Jacksonville
  • Jadwin
  • Jameson
  • Jamesport
  • Jamestown
  • Jasper
  • Jefferson City
  • Jerico Springs
  • Jerome
  • Jonesburg
  • Joplin
  • Kahoka
  • Kaiser
  • Kansas City
  • Kearney
  • Kelso
  • Kennett
  • Kewanee
  • Keytesville
  • Kidder
  • Kimberling City
  • Kimmswick
  • King City
  • Kingdom City
  • Kingston
  • Kingsville
  • Kirbyville
  • Kirksville
  • Kissee Mills
  • Knob Lick
  • Knob Noster
  • Knox City
  • Koeltztown
  • Koshkonong
  • La Belle
  • La Grange
  • La Monte
  • La Plata
  • La Russell
  • Labadie
  • Laclede
  • Laddonia
  • Lake Ozark
  • Lake Saint Louis
  • Lake Spring
  • Lamar
  • Lampe
  • Lanagan
  • Lancaster
  • Laquey
  • Laredo
  • Latham
  • Lathrop
  • Laurie
  • Lawson
  • Leadwood
  • Leasburg
  • Lebanon
  • Lecoma
  • Lee's Summit
  • Leeton
  • Lenox
  • Lentner
  • Leonard
  • Leopold
  • Leslie
  • Lesterville
  • Levasy
  • Lewistown
  • Lexington
  • Liberal
  • Liberty
  • Licking
  • Liguori
  • Lilbourn
  • Lincoln
  • Linn
  • Linn Creek
  • Linneus
  • Livonia
  • Lock Springs
  • Lockwood
  • Lodi
  • Lohman
  • Lone Jack
  • Lonedell
  • Long Lane
  • Loose Creek
  • Louisburg
  • Louisiana
  • Lowndes
  • Lowry City
  • Lucerne
  • Ludlow
  • Luebbering
  • Luray
  • Lynchburg
  • Macks Creek
  • Macomb
  • Macon
  • Madison
  • Maitland
  • Malden
  • Malta Bend
  • Mansfield
  • Mapaville
  • Marble Hill
  • Marceline
  • Marionville
  • Marquand
  • Marshall
  • Marshfield
  • Marston
  • Marthasville
  • Martinsburg
  • Martinsville
  • Maryland Heights
  • Maryville
  • Matthews
  • Maysville
  • Mayview
  • Maywood
  • McBride
  • McClurg
  • McFall
  • McGee
  • McGirk
  • Meadville
  • Memphis
  • Mendon
  • Mercer
  • Meta
  • Metz
  • Mexico
  • Miami
  • Mid Missouri
  • Middle Brook
  • Middletown
  • Milan
  • Milford
  • Mill Spring
  • Miller
  • Millersville
  • Milo
  • Mindenmines
  • Mineral Point
  • Missouri City
  • Moberly
  • Mokane
  • Monett
  • Monroe City
  • Montgomery City
  • Monticello
  • Montier
  • Montreal
  • Montrose
  • Moody
  • Mooresville
  • Mora
  • Morehouse
  • Morley
  • Morris
  • Morrison
  • Morrisville
  • Morse Mill
  • Mosby
  • Moscow Mills
  • Mound City
  • Moundville
  • Mount Moriah
  • Mount Sterling
  • Mount Vernon
  • Mountain Grove
  • Mountain View
  • Myrtle
  • Napoleon
  • Naylor
  • Neck City
  • Neelyville
  • Nelson
  • Neosho
  • Nevada
  • New Bloomfield
  • New Boston
  • New Cambria
  • New Florence
  • New Franklin
  • New Hampton
  • New Haven
  • New London
  • New Madrid
  • New Melle
  • New Offenburg
  • Newark
  • Newburg
  • Newtonia
  • Newtown
  • Niangua
  • Nixa
  • Noble
  • Noel
  • Norborne
  • Norwood
  • Novelty
  • Novinger
  • O Fallon
  • Oak Grove
  • Oak Ridge
  • Odessa
  • Old Appleton
  • Old Monroe
  • Oldfield
  • Olean
  • Olney
  • Oran
  • Oregon
  • Oronogo
  • Orrick
  • Osage Beach
  • Osborn
  • Osceola
  • Otterville
  • Owensville
  • Oxly
  • Ozark
  • Pacific
  • Painton
  • Palmyra
  • Paris
  • Park Hills
  • Parma
  • Parnell
  • Pascola
  • Passaic
  • Patterson
  • Patton
  • Pattonsburg
  • Paynesville
  • Peace Valley
  • Peculiar
  • Perkins
  • Perry
  • Perryville
  • Pevely
  • Philadelphia
  • Phillipsburg
  • Pickering
  • Piedmont
  • Pierce City
  • Pilot Grove
  • Pilot Knob
  • Pineville
  • Pittsburg
  • Plato
  • Platte City
  • Plattsburg
  • Pleasant Hill
  • Pleasant Hope
  • Plevna
  • Pocahontas
  • Point Lookout
  • Polk
  • Pollock
  • Polo
  • Pomona
  • Ponce De Leon
  • Pontiac
  • Poplar Bluff
  • Portage Des Sioux
  • Portageville
  • Portland
  • Potosi
  • Pottersville
  • Powell
  • Powersite
  • Powersville
  • Prairie Home
  • Preston
  • Princeton
  • Purcell
  • Purdin
  • Purdy
  • Puxico
  • Queen City
  • Quincy
  • Quitman
  • Qulin
  • Racine
  • Ravenwood
  • Raymondville
  • Raymore
  • Rayville
  • Rea
  • Redford
  • Reeds
  • Reeds Spring
  • Renick
  • Republic
  • Revere
  • Reynolds
  • Rhineland
  • Rich Hill
  • Richards
  • Richland
  • Richmond
  • Richwoods
  • Ridgedale
  • Ridgeway
  • Risco
  • Riverside
  • Rives
  • Roach
  • Robertsville
  • Roby
  • Rocheport
  • Rock Port
  • Rockaway Beach
  • Rockbridge
  • Rockville
  • Rocky Comfort
  • Rocky Mount
  • Rogersville
  • Rolla
  • Rombauer
  • Roscoe
  • Rosebud
  • Rosendale
  • Rothville
  • Rueter
  • Rush Hill
  • Rushville
  • Russellville
  • Rutledge
  • Saginaw
  • Saint Albans
  • Saint Ann
  • Saint Charles
  • Saint Clair
  • Saint Elizabeth
  • Saint James
  • Saint Joseph
  • Saint Louis
  • Saint Mary
  • Saint Patrick
  • Saint Peters
  • Saint Thomas
  • Sainte Genevieve
  • Salem
  • Salisbury
  • Santa Fe
  • Sarcoxie
  • Savannah
  • Saverton
  • Schell City
  • Scott City
  • Sedalia
  • Sedgewickville
  • Seligman
  • Senath
  • Seneca
  • Seymour
  • Shelbina
  • Shelbyville
  • Sheldon
  • Shell Knob
  • Sheridan
  • Shook
  • Sibley
  • Sikeston
  • Silex
  • Silva
  • Skidmore
  • Slater
  • Smithton
  • Smithville
  • Solo
  • South Fork
  • South Greenfield
  • South West City
  • Sparta
  • Spickard
  • Spokane
  • Springfield
  • Squires
  • St. Robert
  • Stanberry
  • Stanton
  • Stark City
  • Steedman
  • Steele
  • Steelville
  • Stella
  • Stet
  • Stewartsville
  • Stockton
  • Stotts City
  • Stoutland
  • Stoutsville
  • Stover
  • Strafford
  • Strasburg
  • Sturdivant
  • Sturgeon
  • Success
  • Sullivan
  • Summersville
  • Sumner
  • Sunrise Beach
  • Swedeborg
  • Sweet Springs
  • Syracuse
  • Tallapoosa
  • Taneyville
  • Tarkio
  • Taylor
  • Tebbetts
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