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FAQs

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About TBO Bank

TBO Bank has been serving customers for over 120 years. Originally founded as Bank of Orrick in Orrick, MO, we’ve expanded our hometown, personal banking experience into the digital world, making it easier than ever to access trusted financial services online.

As a FDIC-regulated bank, TBO Bank adheres to all applicable laws, regulations and guidance which is regularly scrutinized by state and federal banking regulators to ensure the safety and security of our customers. With a long-standing history of trust and reliability, TBO Bank is committed to transparency, security, and helping you achieve your financial goals.

We offer a wide range of banking products, including unsecured personal loans that provide financial flexibility when you need it most.

At TBO Bank, we believe everyone deserves access to funds during life’s unexpected moments. Our personal loans are designed to help those with less-than-perfect credit secure financial support—even when traditional banks might say no.

As an FDIC member bank, we also offer a full range of traditional banking products, including checking and savings accounts, investment options, and certificates of deposit (CDs). Explore our complete suite of banking services at tbobank.com.

Our branch is still located in Orrick, MO.  

113 E Front St., PO Box 199
Orrick, MO 64077

Applying, Approval & Funding

Once your application is complete, you will receive an immediate decision online. If approved, you will receive an official loan offer with details about the loan amount, payment terms, and rate. 

From there, it’s just a few clicks to finalize your loan and sign your online loan agreement. Once complete, you will receive your money within one business day.  Get Your Offer Today

The exact timing depends on a few things, including how long it takes your bank to credit the payment to your account. That said, with most banks you can expect to see the money in your account based on when you sign your loan agreement:

  • If your loan agreement was signed by 11:00 am (Central Time) on a business day, you should receive your money by 6:00 pm the same day.
  • If your loan agreement was signed after 11:00 am (or on a weekend or bank holiday), you should receive your money by 6:00 pm the next business day.

 

For more information on how the funding process works and when you can expect to receive your funds, visit loans.tbobank.com/funding.

We confirm your bank information to ensure we send your funds to the correct bank account. This also helps us ensure that your funds are transferred without any interruption.

After you have reviewed and accepted your loan offer, TBO Bank may use an advanced ID verification system to securely verify your identity. This protects both you (the borrower) and us (the lender) from fraud.

Acceptable forms of identification:

  • Valid drivers license
  • State Issued ID
  • Passport

Yes, as an Equal Opportunity Lender, we consider all sources of lawful, verifiable income when evaluating credit applications. This includes—but is not limited to—Social Security benefits, disability income, retirement or pension income, alimony, child support, public assistance, and self-employment or part-time earnings. We treat all applicants fairly in accordance with the Equal Credit Opportunity Act (ECOA) and other applicable laws.

No, collateral is not required for an TBO Bank personal loan. TBO Bank offers unsecured, no-collateral personal loans, based on credit, income, and a number of other factors.

Yes, we check your credit report as part of the application process. 

We understand you are entrusting us with your personal and financial information. We take that seriously, and work hard to protect your privacy. The data you provide to us is protected in accordance with our Privacy Policy, and we use the highest level of encryption to ensure your information and data is safe and secure.

More Information

Access your account through the Customer Login. Here you can view your payment history, outstanding balance, and scheduled upcoming payments. Within your account, you can also make additional payments toward your balance or pay off your balance at any time without a pre-payment fee or penalty.

How to Access Your Account

If you are a current customer, you can access your account at secure.tbobank.com, with the email address used on your application.

Password Tips

If you have trouble accessing your account online or would like to speak with a loan advisor, email supportteam@tbobank.com or call 561.462.8527, 8am-6pm Central Time, Monday-Friday.

Autopay (Recommended)
Setting up automatic payments with a debit card or bank account (ACH) is the safest way to ensure your payments are made on time—helping you avoid late fees or default. You can also make additional payments or pay off your balance in full at any time with no penalty at secure.tbobank.com.

Alternative Methods of Payment
If you do not wish to pay via automatic withdrawal, you have the option of paying via debit card, check, or money order. If sending your payments in the form of check via the mail, please provide plenty of time to ensure your payments arrive at our office in advance of the payment due date.

Send mail-in payments to:

TBO Bank
P.O. Box 199
Orrick, MO 64077

If you are concerned about not being able to make a payment on time, please contact us to discuss your options.

If you’re an existing customer, you can easily add a new payment method online to your account at secure.tbobank.com.

If you haven’t received your funds yet, please contact us to ensure we have the correct account information on file.

Accepted payment methods: Debit cards and checking/savings accounts only. Credit cards and prepaid options are not accepted.

There are no fees or penalties for paying your loan off early. In fact, we encourage you to make additional payments whenever possible. The sooner you pay your loan in full, the more you save. See how you can lower your cost here.

Loans are structured so that interest accrues over time. The longer you take to pay off a loan, the more you pay in interest. When you make extra payments, they may help reduce your principal balance, which can help lower the total interest you pay over time.

Making additional payments outside of your regular payment schedule does not replace or count toward your upcoming scheduled payments—those will still be due on their designated due dates.

We understand that life happens, and you may need to make changes to an upcoming payment. To discuss your options, please call one of our loan representatives at 561.462.8527.

Please note that we can only process these requests if received at least three business days before your scheduled payment date.

TBO Bank logo in white

TBO Bank loans are designed to assist with short-term borrowing needs; are not intended to be a long-term financial solution and are an expensive form of borrowing. We encourage quick repayment to avoid additional finance charges. 

Loan approval is subject to eligibility, credit check, and underwriting requirements. TBO Bank may conduct additional verification through national databases. Rates, terms and conditions apply. Lending decisions and funding times are subject to system limitations. Late fees, non-sufficient funds/ returned item fees may apply as described in your loan agreement.

Loan availability, rates, and terms are subject to change at the sole discretion of TBO Bank.

Loans are issued and serviced by TBO Bank, Member FDIC.

Copyright 2025, TBO Bank. All rights reserved.