Best Banks & Checking Accounts in Springfield, Missouri - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Springfield, Missouri include Phelps County BankPhelps County Bank334 E Walnut Street, Springfield, MO 65806A+5.0 ★Texas Ratio: 2.83% Ultimate Checking at 2.02% APY, Academy BankAcademy Bank2021 E Independence St, Springfield, MO 65804A+5.0 ★Texas Ratio: 5.58% Elite Investment Checking at 0.50% APY, Americas Credit UnionAmericas Credit Union2350 E Bennett St, Springfield, MO 65804 1732A+5.0 ★Texas Ratio: 3.51% Momentum+ Rewards Checking Cash Tiers at 0.10% APY, The Bank of MissouriThe Bank of Missouri3807 S Campbell Ave, Springfield, MO 65807A+5.0 ★Texas Ratio: 3.91% Veterans Checking at 0.10% APY, and Sullivan BankSullivan Bank2655 S Campbell Ave, Springfield, MO 65807A5.0 ★Texas Ratio: 7.14% 50+ Free Interest Checking at 0.01% APY. Checking account rates as of April 9, 2026 according to verified data from MonitorBankRates.
Springfield has 5 local institutions in our database, with checking rates as high as 2.02% APY from Phelps County Bank at 334 E Walnut Street, Springfield, MO, 65806. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Springfield, Missouri. Checking Account Rates Last Updated and Verified: April 9, 2026
Compare Checking Account Rates Today in Springfield, Missouri & the Surrounding Area
Springfield, MO 65806
Qualifying balance up to $24,999.99
Springfield, MO 65804
No additional details provided.
Springfield, MO 65804
No additional details provided.
Springfield, MO 65804
No additional details provided.
Springfield, MO 65804
No additional details provided.
Springfield, MO 65804
No additional details provided.
Springfield, MO 65804
No additional details provided.
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65807
No additional details provided.
Springfield, MO 65804 1732
New member bonus up to $200
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65807
No additional details provided.
Qualifying balance up to $15000
Qualifying balance up to $15000
Qualifying balance up to $20,000.00
Qualifying balance up to $20,000.00
Qualifications Required; Qualifying balance up to $200.00 in debit card purchases
Qualifications Required; Qualifying balance up to $15,000.00
Springfield, MO 65806
Qualifying balance up to $24,999.99
Springfield, MO 65807
No additional details provided.
Qualifying balance up to $15000
Qualifying balance up to $15000
Qualifying balance up to $20,000.00
Qualifying balance up to $20,000.00
Qualifications Required; Qualifying balance up to $200.00 in debit card purchases
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $200.00
Qualifying balance up to $20,000
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
Qualifying balance up to $25,000.00
Qualifying balance up to $15000
No additional details provided.
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
Qualifying balance up to $15000
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
Qualifications Required; Qualifying balance up to $200.00
Qualifications Required; Qualifying balance up to $300.00
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
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65804 1732
New member bonus up to $200
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65804 1732
No additional details provided.
Springfield, MO 65804 1732
No additional details provided.
Qualifications Required; Qualifying balance up to $200.00 in debit card purchases
Qualifying balance up to $200.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $20,000
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
Qualifications Required; Qualifying balance up to $200.00
Qualifications Required; Qualifying balance up to $300.00
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
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
Cash Back Rewards on debit card purchases for the first $200 spent.
Qualifying balance up to $10,000
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.
No additional details provided.
Qualifying balance up to $5000
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*
Springfield, MO 65807
No additional details provided.
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
No additional details provided.
No additional details provided.
No additional details provided.
Earn Dividends: $25 Average Daily Balance
No Fees
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Springfield, MO 65804
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
No additional details provided.
No additional details provided.
No additional details provided.
Springfield, MO Checking Rate Trends
Compare local Springfield, MO 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 0.341 points over the past 7 days to 2.953% APY.
Missouri free checking rates rose 0.133 points over the past 7 days to 1.239% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Springfield, 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 Springfield, 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 Springfield, Missouri earn interest?
Are banks in Springfield, Missouri FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Springfield, Missouri
- Phelps County Bank
Ultimate Checking — 2.02% APY - Academy Bank
Elite Investment Checking — 0.50% APY - Americas Credit Union
Momentum+ Rewards Checking Cash Tiers — 0.10% APY - The Bank of Missouri
Veterans Checking — 0.10% APY - Sullivan Bank
50+ Free Interest Checking — 0.01% APY
