To open an account, you must be a United States resident with a street, rural route, or APO/FPO mailing address. Currently, we do not accept PO Box mailing addresses.

To comply with federal law and to determine factors such as your credit limit, we request certain specific and required information from everyone who applies for a Credit Card account. While we can process your application without all requested data, the omission of information could delay the application process and could affect the decision regarding your application.

If you are over the age of 18, have a valid Social Security Number, and currently reside in the United States, you may apply online here. You may also apply in person at your financial institution.

Once you complete and submit your application, your application may be approved instantly, and you will receive immediate notification. If we are not able to approve your application instantly, we will respond by mail within 7-10 business days; however, in some instances, it may take up to 30 days.

Protecting your privacy and the security of your account is important to us. When you apply, we use Transport Layer Security (TLS) encryption technology to prevent any third party from viewing or accessing sensitive data. We have taken measures to ensure the security of all transactions involving your personal information. You can read more about how we're working to protect your privacy and security by clicking the Privacy or Security links at the bottom of the page.

Federal law requires financial institutions to obtain a Social Security number from everyone who applies for an account. We use this information to verify your identity and to acquire information from the credit bureau.

This is your agreement with The Bank of Missouri, and it provides a detailed explanation of the terms of your account, including:

• Fees and costs associated with your account.
• Instructions on what to do if your account information is lost or stolen.
• Your rights as an accountholder.
• Any changes or updates to the terms of your account.

If you would like to view or request a copy of your Agreement, please sign in to this website or call 866-241-4124.

Registered cardholders can sign in to this website to view a detailed explanation of the Credit Card program's terms and conditions and the current Agreement which will include all charges associated with your Credit Card account.

The terms and conditions of your account include details such as:

• Your annual percentage rate.
• How your balance is computed.
• Fees and charges.

If you would like to view or request a copy of your account's terms and conditions, please sign in to this website or call 866-241-4124.

Yes, we offer a variety of free services to support our customers. Please call 866-241-4124.

Yes, most browsers will allow you to minimize and maximize font size by pressing the control key and either the "-" or "+" key simultaneously. You may also change the font size displayed on your monitor by adjusting the settings on your computer.

An authorized user is an individual you permit to make purchases on your account. Authorized users, once added to your account, are issued their own credit card with their name on it. As the primary accountholder, you are responsible for any purchases an authorized user makes using their credit card. If you would like to add an authorized user to your account, call 866-241-4124.

To add or remove an authorized user from your account, please call 866-241-4124.

There is no limit to the number of authorized users you can have on your account.

Keeping your account secure is important to us. If your account information is ever lost or stolen, please call 866-241-4124.

If you would like to request a lower credit limit, please call 866-241-4124 for help. At this time, credit line increases are not currently available.

Protecting your privacy and the security of your account is important to us. Internet security ensures that information sent from one computer to another cannot be viewed, copied, or redirected by any unauthorized user, and that messages are not altered during transmission. You can read more about how we are working to protect your online security by clicking the security link at the bottom of the Sign In page.

To keep your online account information private and secure, you will need a web browser that supports HTML, TLS encryption, JavaScript, and CSS. We recommend the following:

• Browser Compatibility: Current and (-1) previous version only: Microsoft Edge, Mozilla Firefox, Google Chrome
• Screen Resolution: 1280x1024, 1280x800, 1280x768, 1400x864, 1600x1050, 2880x1800
• Javascript must be enabled.

Be sure to sign out and close all browser windows when you have finished your session. To protect your privacy and security, we will automatically end your session after 15 minutes of inactivity. If you are automatically logged out of your account, you will need to Sign In to again to access your account information.

Protecting your privacy and the security of your account is important to us. To ensure the security of all your transactions, we take the following measures:

• Transport Layer Security (TLS) encryption technology prevents any third party from intercepting the data passed between your computer and our system.
• Multi-Factor Authentication provides an enhanced method for validating your identity. We will send an email or SMS/Text to the email address or phone number on file to authenticate you during each of the following functions: Remember Me, Add Bank Account, Update Profile, Set up Security Question(s), Change Password and Reissue Card.

You may choose to use the Remember Me feature to bypass the Verification process when accessing your account. We do not recommend using the Remember Me feature on any computer that is public or shared.

Protecting your privacy and the security of your account is important to us. When you apply, we use Transport Layer Security (TLS) encryption technology to prevent any third party from viewing or accessing sensitive data. We have taken measures to ensure the security of all transactions involving your personal information. You can read more about how we are working to protect your privacy and security by clicking the Privacy or Security links at the bottom of the Sign In page.

Protecting your privacy is important to us. To read a detailed description of our privacy notice and how The Bank of Missouri protects your personal information, please select the Privacy link at the bottom of the Sign In page.

To protect your account security and privacy, please update your password at least once every six months.

To protect your account security and privacy, not all personal information can be changed online. If you are unable to make a change, please call 866-241-4124.

If you need to close your account at any time, please call 866-241-4124.

All previous billing statements are available online.

You can view transactions that have posted to your account since your last billing statement, as well as select to view transactions previously billed to your account. If you have any questions on any transaction, please call 866-241-4124.

Keeping your account secure is important to us. If your account information is ever lost or stolen, please call 866-241-4124.

Registered account holders may see the following features:

• Account Summary: View your account balance, available credit, payment amounts, statement date and balance.
• Payments: Schedule a same day, future payment, or setup automatic payments. You can also define multiple checking or savings accounts to have saved to your online account for making payments.
• Transactions: View transactions that have posted to your account since your last statement, as well as transactions for previous billing statements or defined time frames.
• Alerts and Controls: Sign up to receive email and/or text message notifications alerting you about your account's transaction activity, payment activity, and changes to your balance. Additional options are available for business accounts and Program Administrators for spend controls.
• Statements: View a list of all statements for your account.
• My Profile: View and modify personal information (e.g. email address).
• Rewards: Instant access to your Rewards program, if offered.
• Paperless Communications: Sign up to receive email notifications alerting you when your billing statement is available to view online (only available to Primary account user).
• Account Terms: View terms specific to your account.

Helping you protect your privacy and the security of your account is important to us. Please call 866-241-4124 immediately to discuss your account.

Once your online payment has been processed, we will adjust your available credit on the next day.

You may update the email address we have on file for you on the My Profile page.

As long as your payment is received by 11:59PM ET, you will receive credit for the date the payment was received.Please allow 1-2 business days for the payment to appear in your account’s transaction history.If you have additional questions about how payments are processed, please call us at 866-241-4124.

You may choose to schedule a future date for your online payment to post to your credit card account. It may take up to two business days to complete the financial transfer from your personal bank account to your credit card account.

Online payment services are available 365 days a year, including weekends and holidays.

If you need to change or cancel a scheduled payment on the same day, you may do this through the Payments page. If you are attempting to cancel a payment scheduled on a prior date, please call 866-241-4124. Please note that only payments displaying a "Pending" status can be cancelled.

As long as your payment is received by 11:59PM ET, you will receive credit for the date the payment was received.Please allow 1-2 business days for the payment to appear in your account’s transaction history.If you have additional questions about how payments are processed, please call us at 866-241-4124.

There is no fee to make an online payment or to make a payment over the phone through our IVR or with our customer service team.

To make a payment online, please have your checking account information (including your bank routing number) accessible. For your convenience, you may choose to store your bank account information securely, so you do not have to re-enter this information each time you make a payment online.

A pending payment is a scheduled payment which has not yet posted to your account.

It may take up to two business days from the day the payment is processed to complete the financial transfer from your personal bank account to your credit card account. However, as long as your payment is received by 11:59PM ET, you will receive credit for the date your payment was received.

Your billing statement is the balance that has accrued on the account during the specific billing period (usually around 30 days). It will include all transactions from the previous month's closing date to the current closing date. Paying the minimum amount due on your billing statement will help you avoid late fees. Your current balance includes all transactions that have posted up to and including the current date. Paying your entire statement balance will help you avoid interest charges.

There are several factors that may affect your minimum amount due, including any recent returns or disputes on your balance due. If you have additional questions about your minimum amount due or would like to make a payment to reduce any applicable finance charges, please call 866-241-4124.

Only one statement is generated and mailed to the primary accountholder’s address on file. As a result, only the Primary accountholder can enroll in paperless communications.

Once you have enrolled in paperless communications, you can expect to receive an email notification on your next billing cycle. Depending on when your account last billed, you may receive one final paper billing statement.

If you sign up for online account access, but do not enroll in paperless communications, you can still see your statement images online and you will also still get a paper billing statement in the mail. However, if you choose to enroll in paperless communications, you will no longer receive a paper billing statement by mail.

You can learn more about paperless communications by signing into your account and selecting the Features link.

After you sign in to your account you can view all statements generated on your account by selecting the Statements link. To view your billing statement online, you will need a PDF reader installed on your computer. If you do not have the software, you can download it for free from Adobe. If you would like a copy of your billing statement that is not available online, please call 866-241-4124.

When your billing statement is available to view online you will be sent an email notification.

First, confirm that you are enrolled in paperless communications by signing in to your account and selecting the Features link. If your profile shows that you are enrolled, you are likely receiving a paper billing statement for one of the following reasons:

• If you recently enrolled in paperless billing communications, you may receive one final paper billing statement depending on when your account last billed.
• If we cannot deliver email to the address on file, we will automatically mail you a paper billing statement to ensure you are receiving your necessary account information. You can update your email address on the My Profile page.

We believe once you experience the simplicity and safety of paperless communications, you will never want to receive a paper bill again. But if you ever change your mind, you can switch back to paper communications at any time at no cost to you. If you are signed into your online services, you can edit your paperless preferences by clicking the Features link.

• Easy Enrollment: With one click you are automatically enrolled. You can switch back to paper at any time.
• Security: Receive an email notification alerting you when your monthly account statement is available online to view.
• Convenience: Statements are available online. Access them wherever you have an internet connection. Print the statement you need when you need it.
• Cost Effective: Save money and time by not having to store paper records.
• Go Green: By participating in a paperless delivery option you can enjoy less clutter in your mailbox and help protect the environment.

You may update the email address we have on file for you on the MyProfile page.

A paperless billing statement is an online version of your monthly billing statement. It contains the same information as the printed, paper billing statement you receive in the mail. When you enroll in paperless billing statements, you will receive an email notification every time there is a new billing statement ready for you to view online and instructions on how to make your payment.

Keeping your account secure is important to us. If you find a charge on your account you believe is incorrect, please call 866-241-4124. Please note that federal law requires all billing disputes to be in writing. If you need to dispute a charge, we will be able to give you more information. Any billing disputes will need to be filed by you, the primary accountholder, and will be resolved according to the terms described in the Cardmember Agreement.

We offer a variety of free services to support our customers. Please call 866-241-4124.

If you know your User Name:

• Please click Forgot Password and follow the steps to reset your password.

If you do not know your User Name:

• Please click Forgot User Name and follow the steps to request your user name.

If you would like more information about resetting your password or requesting your User Name, please call 866-241-4124.