Flat Branch Bank, 803 Wollard Blvd, Richmond, MO 64085, US

Bank 21 provides personal and business banking products and services. It provides personal checking accounts, including free, basic, free automatic payroll, regular, interest, Bank 21 prime and money market accounts. It also provides business checking accounts, such as small business, commercial and business money market accounts. Its savings products include statement savings, young savers, Christmas club and business savings accounts. The bank also provides certificates of deposit, individual retirement accounts, telephone and Internet banking, ATM facilities and overdraft priveledge. Bank 21 also provides Merchant Card services, image statements, direct deposit, direct debit, federal withholding tax depository, night depository, bank by mail, stop payment orders, travelers checks and wire transfer services. It also provides cashier checks, money orders, notary services, credit card cash advances, gift collectible coin sets, corporate ACH origination and accidental death and dismemberment insurance. Bank 21 has offices in Carrollton, Marshall and Sedalia, Mo.