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Cash back checking accounts

Money Market Accounts

Requires $500 to open account. This account includes a monthly statement, an image of your checks, and Free Direct Deposit.

Minimum balance to avoid imposition of fees

If balance falls below $1,000 on any day in the statement cycle, a maintenance fee of $10.00 will be imposed once during the cycle.

Note: Federal Regulations restrict the number of withdrawals per month. Over 6 third party preauthorized debits per cycle $10 each.

  • Rate Information
    Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. 

  • Determination of Rate
    At our discretion, we may change the interest rate on your account. Please call bank for current rate information. 

  • Effect of Closing an Account
    If you close your account before interest is credited, you will not receive the accrued interest.

  • Daily Balance Computation Method
    We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

  • Accrual of Interest on Non Cash Deposits
    Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (e.g. checks) 
  • Compounding and Crediting Frequency
    Interest will be compounded every month. Interest will be credited to your account every month.

Contact Us to Learn More 
About Our Checking Accounts!
Interest Rates

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First Bank of the Lake
4558 Osage Beach Parkway, Suite 100
Osage Beach MO 65065 




member FDIC


Lobby Hours
Mon - Fri 8:30 AM - 4:00 PM

Drive Up Hours
Mon - Fri 8:00 AM - 5:00 PM

Lobby & Drive Up
8:00 AM - 12:00 PM

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