A reader commented that a bank visit is required, and they are limiting availability to the local area which seems to be at least 60 miles. You can get an additional 0.10% if you are 55 years or older and deposit $50,000.
Branches are located in the Missouri cities of Lexington, Wellington, Callao and Odessa. The bank is FDIC insured (Certificate # 30691).
Thanks to the reader who mentioned this special in the finding deals post.