Best Checking Accounts & Rates in Missouri - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Missouri include Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO 63043A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking at 8.00% APY, Community Bank of Pleasant HillCommunity Bank of Pleasant Hill2401 N Highway 7, Pleasant Hill, MO 64080A+5.0 ★Texas Ratio: 1.47% Super Cash Checking at 6.01% APY, Alliant BankAlliant Bank101 E Broadway St, Madison, MO 65263A+5.0 ★Texas Ratio: 1.03% Kasasa Cash Back Checking at 5.00% APY, Union State Bank of EverestUnion State Bank of Everest321 S Us Highway 169, Gower, MO 64454A+5.0 ★Texas Ratio: 2.77% CashBack Checking at 5.00% APY, and F&M Bank of St. ClairF&M Bank of St. Clair959 N Commercial Ave, Saint Clair, MO 63077A+5.0 ★Texas Ratio: 0.04% Your Choice Checking - Rewards at 5.00% APY. Checking account rates as of April 9, 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: April 9, 2026
Compare Checking Account Rates Today in Missouri
Maryland Heights, MO 63043
Qualifying balance up to $15000
Maryland Heights, MO 63043
Qualifying balance up to $15000
Pleasant Hill, MO 64080
Qualifying balance up to $20,000.00
Pleasant Hill, MO 64080
Qualifying balance up to $20,000.00
Madison, MO 65263
Qualifications Required; Qualifying balance up to $200.00 in debit card purchases
Gower, MO 64454
Qualifying balance up to $200.00
Saint Clair, MO 63077
Qualifications Required; Qualifying balance up to $15,000.00
Independence, MO 64055
Qualifying balance up to $20,000
Arnold, MO 63010
Qualifications Required: make 15 or more debit card transactions using your Visa Check Card (that post and clear your account as evidenced by your monthly statement); consent to receive your periodic statements electronically (eStatements); make at least one direct deposit transaction into the Premier Checking account each dividend period; Qualifying balance up to $15,000
Independence, MO 64057
Qualifying balance up to $25,000.00
Neosho, MO 64850 3110
Qualifications Required: Monthly enrollment and login into online banking; receipt of electronic statements; twelve (12) qualifying debit card transactions; Cash back earned on up to $200 in purchases monthly
Saint Louis, MO 63125 4320
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
Fenton, MO 63026 1913
Qualifications Required; Qualifying balance up to $10,000.00; Receive 0.50% off new consumer loans with direct deposit; Receive a $995 lender credit towards first mortgage closing costs with direct deposit
Fenton, MO 63026 1913
Qualifying balance up to $10,000.00
Maryland Heights, MO 63043
Qualifying balance up to $15000
Maryland Heights, MO 63043
Qualifying balance up to $15000
Independence, MO 64055
No additional details provided.
Carrollton, MO 64633
Qualifications Required: Minimum of 12 debit card purchases per statement cycle; Be enrolled in online banking and log in at least once per statement cycle; Cash back earned on up to $250 worth of purchases per statement cycle; Earn up to $10 per month and $120 per year
Saint Louis, MO 63146
Qualifications Required; Qualifying balance up to $200.00
Vienna, MO 65582
Qualifications Required: Be enrolled in and agree to receive eStatements; At least 12 Debit Card purchases; Be enrolled in and log into Online Banking; Maintain a valid email address on record with our bank; Receive 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period; No category restrictions on purchases; Earn up to $96.00 cash back per year, up to $8.00 per monthly qualification cycle; Reimbursements on nationwide ATM withdrawal fees up to $25.00 monthly (Max of $4.99 per transaction); Link to free Kasasa Saver� to build savings automatically
Maryland Heights, MO 63043
Qualifying balance up to $15000
Maryland Heights, MO 63043
Qualifying balance up to $15000
Pleasant Hill, MO 64080
Qualifying balance up to $20,000.00
Pleasant Hill, MO 64080
Qualifying balance up to $20,000.00
Madison, MO 65263
Qualifications Required; Qualifying balance up to $200.00 in debit card purchases
Saint Clair, MO 63077
Qualifications Required; Qualifying balance up to $15,000.00
Gower, MO 64454
Qualifying balance up to $200.00
Independence, MO 64055
Qualifying balance up to $20,000
Arnold, MO 63010
Qualifications Required: make 15 or more debit card transactions using your Visa Check Card (that post and clear your account as evidenced by your monthly statement); consent to receive your periodic statements electronically (eStatements); make at least one direct deposit transaction into the Premier Checking account each dividend period; Qualifying balance up to $15,000
Independence, MO 64057
Qualifying balance up to $25,000.00
Fenton, MO 63026 1913
Qualifying balance up to $10,000.00
Maryland Heights, MO 63043
Qualifying balance up to $15000
Maryland Heights, MO 63043
Qualifying balance up to $15000
Saint Louis, MO 63125 4320
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
Fenton, MO 63026 1913
Qualifications Required; Qualifying balance up to $10,000.00; Receive 0.50% off new consumer loans with direct deposit; Receive a $995 lender credit towards first mortgage closing costs with direct deposit
Independence, MO 64055
No additional details provided.
Saint Louis, MO 63146
Qualifications Required; Qualifying balance up to $200.00
Weston, MO 64098
Qualifications Required; Qualifying balance up to $300.00
Vienna, MO 65582
Qualifications Required: Be enrolled in and agree to receive eStatements; At least 12 Debit Card purchases; Be enrolled in and log into Online Banking; Maintain a valid email address on record with our bank; Receive 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period; No category restrictions on purchases; Earn up to $96.00 cash back per year, up to $8.00 per monthly qualification cycle; Reimbursements on nationwide ATM withdrawal fees up to $25.00 monthly (Max of $4.99 per transaction); Link to free Kasasa Saver� to build savings automatically
Carrollton, MO 64633
Qualifications Required: Minimum of 12 debit card purchases per statement cycle; Be enrolled in online banking and log in at least once per statement cycle; Cash back earned on up to $250 worth of purchases per statement cycle; Earn up to $10 per month and $120 per year
Madison, MO 65263
Qualifications Required; Qualifying balance up to $200.00 in debit card purchases
Gower, MO 64454
Qualifying balance up to $200.00
Saint Clair, MO 63077
Qualifications Required; Qualifying balance up to $15,000.00
Independence, MO 64055
Qualifying balance up to $20,000
Carrollton, MO 64633
Qualifications Required: Minimum of 12 debit card purchases per statement cycle; Be enrolled in online banking and log in at least once per statement cycle; Cash back earned on up to $250 worth of purchases per statement cycle; Earn up to $10 per month and $120 per year
Vienna, MO 65582
Qualifications Required: Be enrolled in and agree to receive eStatements; At least 12 Debit Card purchases; Be enrolled in and log into Online Banking; Maintain a valid email address on record with our bank; Receive 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period; No category restrictions on purchases; Earn up to $96.00 cash back per year, up to $8.00 per monthly qualification cycle; Reimbursements on nationwide ATM withdrawal fees up to $25.00 monthly (Max of $4.99 per transaction); Link to free Kasasa Saver� to build savings automatically
Weston, MO 64098
Qualifications Required; Qualifying balance up to $300.00
Saint Louis, MO 63146
Qualifications Required; Qualifying balance up to $200.00
Neosho, MO 64850 3110
Qualifications Required: Monthly enrollment and login into online banking; receipt of electronic statements; twelve (12) qualifying debit card transactions; Cash back earned on up to $200 in purchases monthly
Saint Louis, MO 63125
Cash Back Rewards on debit card purchases for the first $200 spent.
Saint Louis, MO 63125
Qualifying balance up to $10,000
Jefferson City, MO 65109
Qualifications Required: 16 Visa Debit Card purchases that post and clear; One direct deposit that posts; Receive your statements electronically (eStatements); Qualifying balance up to $10,000.00; Additional Rate Information - The bank will pay the initial interest rate as long as qualifications are met.
Mexico, MO 65265
Qualifying balance up to $25,000.00
Jefferson City, MO 65109
No additional details provided.
Independence, MO 64055
Qualifications Required: 12 debit card purchases post and settle; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00; Refunds on ATM withdrawal fees*
Saint Louis, MO 63129
Qualifying balance up to $5000
Springfield, MO 65804 1732
No additional details provided.
Glasgow, MO 65254
No additional details provided.
Springfield, MO 65804 1732
New member bonus up to $200
Saint Louis, MO 63146
No additional details provided.
Neosho, MO 64850 3110
Qualifications Required: Monthly enrollment and login into online banking; receipt of electronic statements; twelve (12) qualifying debit card transactions; Cash back earned on up to $200 in purchases monthly
Aurora, MO 65605
No additional details provided.
Aurora, MO 65605
No additional details provided.
Saint Louis, MO 63146
No additional details provided.
Jefferson City, MO 65101
Earn Dividends: $25 Average Daily Balance
Sullivan, MO 63080
No additional details provided.
Hazelwood, MO 63042
No Fees
Kansas City, MO 64131
No additional details provided.
Saint Louis, MO 63123 7804
No additional details provided.
Independence, MO 64055
No additional details provided.
Independence, MO 64055
No additional details provided.
Sikeston, MO 63801
No additional details provided.
Union, MO 63084
No additional details provided.
Union, MO 63084
No additional details provided.
Republic, MO 65738
(ADB/month of $200.00)
Independence, MO 64055
No additional details provided.
Independence, MO 64055
No additional details provided.
Independence, MO 64055
No additional details provided.
Saint Joseph, MO 64506
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
Palmyra, MO 63461
No additional details provided.
Saint Louis, MO 63128
No additional details provided.
Saint Louis, MO 63128
No additional details provided.
Saint Louis, MO 63102
No additional details provided.
Saint Joseph, MO 64506
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
Saint Louis, MO 63128
No additional details provided.
Saint Louis, MO 63102
No additional details provided.
Glasgow, MO 65254
No additional details provided.
Saint Louis, MO 63146
No additional details provided.
St Charles, MO 63301
No additional details provided.
Maryland Heights, MO 63043
No additional details provided.
Saint Peters, MO 63376
No additional details provided.
Saint Joseph, MO 64506
Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
Saint Louis, MO 63146
No additional details provided.
Saint Peters, MO 63376
No additional details provided.
Saint Louis, MO 63146
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.
Missouri high-yield checking rates fell 0.869 points over the past 7 days to 2.996% APY.
Missouri free checking rates rose 0.362 points over the past 7 days to 1.250% APY.
Methodology & Data Sources
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 pulling this data straight 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?
Are banks in Missouri FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Missouri
- Baxter Credit Union
PowerPlusTM Checking — 8.00% APY - Community Bank of Pleasant Hill
Super Cash Checking — 6.01% APY - Alliant Bank
Kasasa Cash Back Checking — 5.00% APY - Union State Bank of Everest
CashBack Checking — 5.00% APY - F&M Bank of St. Clair
Your Choice Checking - Rewards — 5.00% APY
Checking Account Rates by City in Missouri
