Personal Bank Account

OMB Bank

Bonus

$250

APY

2.01%

Monthly Fee

None

To Qualify

Any Direct Deposit

Availability

MO, KS

Expires

12/31/2026

View Offer

Bonus Details

Earn $250 by opening OMB High Interest Checking in person and receiving qualifying direct deposits in each of the next three statement cycles.

How To Qualify

Open at a KC metro branch with $25 by December 31, 2026. Receive at least one qualifying recurring-income direct deposit in each of the next three statement cycles; the opening cycle automatically qualifies. No minimum deposit amount required. Transfers, mobile/ATM deposits and person-to-person payments do not qualify. Keep at least $0.01 and maintain good standing through day 90; keep the account open and unrestricted until payment. Bonus posts within 30 days after requirements are met.

APY Details

Earn 2.01% APY on the first $25,000 and 0.10% APY on balances above $25,000 when monthly qualifications are met. Otherwise, the entire balance earns 0.01% APY. The first qualification cycle automatically qualifies. Rates may change.

APY Requirements

Each statement cycle, have 12 debit card purchases and one direct deposit or ACH transaction post by the last business day. eStatements are an account condition.

The Fine Print

Monthly Fees: None
Credit Inquiry: None
Household Limit: 1
Account Type: Personal Bank Account
Promotion Start Date: 4/1/2026
Expiration Date: 12/31/2026
ChexSystems: true
Additional Requirements: New OMB checking customers only; existing customers and anyone who closed an OMB checking account within the past 12 months are ineligible. One bonus per household; cannot combine with other retail promotions. To earn 2.01% APY on balances up to $25,000, make 12 debit card purchases and one direct deposit or ACH transaction per statement cycle. eStatements are required.
Availability: Missouri, Kansas

Monthly Fee Details

No monthly service fee. Paper statements cost $4 per month; eStatements are free.

Early Account Closure Fee

$25 fee if account is closed within 90 days of opening.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

APY accurate as of 10/9/2026. Requires that 12 (twelve) debit card purchases and 1 (one) direct deposit or ACH transaction must be posted to account during monthly statement cycle to be eligible to earn the stated APY. Balances up to $25,000 earn 2.01% APY and balances over $25,000.00 earn 0.10% APY, resulting in a range from 0.10% to 2.01% APY depending on the account balance. If monthly qualifications are not met, balances earn 0.01% APY on the entire balance. Rate may change after account opening and fees may affect earnings. ^Offer valid for new OMB Bank checking customers only. To qualify for the $250 bonus, customer must open a new OMB High Interest Checking account in person (not available online) between 4/1/26 and 12/31/26 and receive at least 1 (one) qualifying ACH credit during each of the next three statement cycles. The statement cycle in which the account is opened automatically qualifies. Customer must also maintain the account in good standing ($0.01 minimum balance required) through the 90th day. A qualifying ACH credit is an electronic deposit of regular recurring income, such as salary, wages, pension or government benefits, made through the Automated Clearing House (ACH) network. Transfers between accounts, mobile deposits, ATM deposits and person-to-person payments do not qualify. The $250 bonus will be credited to the qualifying account within 30 (thirty) days after all requirements are met. Account must not be closed or restricted at the time of bonus payment. Limit one bonus per household. Offer not available to existing OMB Bank checking customers or those who have closed a checking account within the past 12 (twelve) months. Offer cannot be combined with other retail promotions and may be withdrawn at any time.

Disclosure

Offer valid for new OMB Bank checking customers only. To qualify for $250 bonus, customer must open a new OMB High Interest Checking account in person (not available online) between 4/1/26 and 12/31/26, establish and receive at least 1 (one) monthly qualifying direct deposit within the first 90 days following account opening, and maintain the account in good standing ($0.01 minimum balance required) through the 90th day.

A qualifying direct deposit is an electronic deposit of regular recurring income (such as salary, wages, pension or government benefits) made through the Automated Clearing House (ACH) network. Transfers between accounts, mobile deposits, ATM deposits and person-to-person payments do not qualify.

The $250 bonus will be credited to the qualifying account within 30 (thirty) days after all requirements are met. Bonus may be reported as interest to the IRS on Form 1099-INT. Account must not be closed or restricted at the time of bonus payment. Limit one bonus per household.

Offer not available to existing OMB Bank checking customers or those who have closed a checking account within the past 12 (twelve) months. Offer cannot be combined with other retail promotions and may be withdrawn at any time. Fees may reduce earnings. Other restrictions may apply.

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