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Checking

Premier Checking

Features

Our premium checking package for customers who keep higher balances or have a loan of $25,000 or more.

  • Free Online Banking with unlimited bill payments
  • Free Mobile Banking
  • Free Remote Deposit Anywhere*
  • Free Electronic Statements
  • Free Visa Debit Card**
  • Free Appointment with Financial Specialist
  • Free 3x5 Safe Deposit Box
  • Free Exclusive Design Checks
  • Free ATM Cash Withdrawals from KS Bank and CashPoints Networks
  • Free Cashier's Checks and Notary Services
  • Free Check Imaging
  • Overdraft Protection Liine of Credit*** OR Regular Savings account for overdraft sweep (Cover checking overdrafts with funds from Regular Savings; $10/transfer from Regular Savings to Checking Account; Excess transaction charges for Regular Savings Account will apply)
  • No penalty withdrawal from CD's for medical reasons
  • No minimum balance Regular Savings Account wtih $25 draft from checking per month
  • No annual fee Credit Card***

* Subject to Approval/Daily & Monthly Limits Apply

** Subject to Approval/$1000 Point of Sale Daily Limit/ $600 ATM Withdrawal Limit

*** Subject to Credit Approval

Premier Checking Features

  • $100 Minimum opening deposit
  • No service charge if...
    • $5,000 minimum balance in Premier Checking Account OR
    • $10,000 combined balance in checking, savings, CDs or IRAs OR
    • KS Bank loan of $25,000 balance or more               
  • Pays tiered interest
  • $20 service charge per statement cycle if at least one balance requirement listed above is not maintained
  • Savings Sweep: Cover checking overdrafts with funds from Regular Savings.
    • $10 transfer fee from Regular Savings to Checking account. (Excess transactions and transaction charges for Regular Savings account will apply).

Benefits

  • Earns interest
  • Easy Access to Money (Online, Mobile, ATM & Telephone)
  • Peace of mind (Safe Deposit Box)
  • Easy to read check images
  • KS Bank and Cash Points Network ATMs available to you at no charge for all your cash withdrawal needs

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Classic Checking

Features

For customers fifty years or older, this package offers many benefits with a lower checking balance requirement

  • Free Online Banking with unlimited bill payments
  • Free Mobile Banking
  • Free Remote Deposit Anywhere*
  • Free Electronic Statements
  • Free Visa Debit Card**
  • Free Appointment with Financial Specialist
  • Free 3x5 Safe Deposit Box
  • Free Exclusive Design Checks
  • Free ATM Cash Withdrawals from KS Bank and CashPoints Networks
  • Free Cashier's Checks and Notary Services
  • Free Check Imaging
  • Overdraft Protection Line of Credit*** OR Regular Savings account for overdraft sweep (Cover checking overdrafts with funds from Regular Savings; $10/transfer from Regular Savings to Checking Account; Excess transaction charges for Regular Savings Account will apply)
  • No penalty withdrawal from CD's for medical reasons
  • No minimum balance Regular Savings Account wtih $25 draft from checking per month
  • No annual fee Credit Card***

* Subject to Approval/Daily & Monthly Limits Apply

** Subject to Approval/$1000 Point of Sale Daily Limit/ $600 ATM Withdrawal Limit

*** Subject to Credit Approval

Product Features

  • $100 Minimum opening deposit
  • No service charge if you maintain $1,000 combined balance in checking, savings, CDs or IRAs; otherwise, $18 per statement cycle service charge
  • Savings Sweep: Cover checking overdrafts with funds from Regular Savings.
    • $10 transfer fee from Regular Savings to Checking account. (Excess transactions and transaction charges for Regular Savings account will apply).
  • Pays tiered interest

Benefits

  • Earns interest
  • Saves money
  • Easy Access to Money (Online, Mobile, ATM & Telephone)
  • Peace of mind (Safe Deposit Box)
  • Easy to read check images
  • KS Bank and Cash Points Network ATMs available to you at no charge for all your cash withdrawal needs.

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Regular Checking

Features

​Ideal for customers who need unlimited transactions or check writing and keep a moderate balance in checking

  • Free Online Banking with unlimited bill payments
  • Free Mobile Banking
  • Free Remote Deposit Anywhere*
  • Free Electronic Statements
  • Free Visa Debit Card**
  • Free Appointment with Financial Specialist
  • Free First Box of Basic Checks
  • Free ATM Cash Withdrawals from KS Bank and CashPoints Networks
  • Free Check Imaging
  • Overdraft Protection Line of Credit*** OR Regular Savings Account for overdraft sweep (Cover checking overdrafts with funds from Regular Savings; $10/transfer from Regular Savings to Checking Account; Excess transaction charges from Regular Savings Account will apply)
  • No minimum balance Regular Savings Account wtih $25 draft from checking per month
  • No annual fee Credit Card***

 

*  Subject to Approval/Daily & Monthly Limits Apply

** Subject to approval/$1000 Point of Sale Daily Limits/ $600 ATM Withdrawal Limit

*** Subject to credit approval

 

Product Features​

  • $100 minimum opening deposit
  • No service charge if
    • $500 minimum daily balance OR
    • $2,000 balance in savings or CD's OR
    • $5,000 combined in checking, savings, CDs or IRAs
  • $15 service charge per statement cycle if at least one balance requirement listed above is not maintained
  • Savings Sweep: Cover checking overdrafts with funds from Regular Savings.
    • $10 transfer fee from Regular Savings to Checking account. (Excess transactions and transaction charges for Regular Savings account will apply).
  • Pays tiered interest
  • First order of checks (150) at no charge or credit toward another design if minimums are met at time account is opened
  • Paper statement mailed to account holder each month for $3 per statement  (Electronic statements are free)

Benefits

  • Easy Access to Money (Online, Mobile, ATM & Telephone)
  • Can write as many checks as you want each month
  • KS Bank and Cash Points Network ATMs available to you at no charge for all your cash withdrawal needs.

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Smart Checking

Features

Perfect package for those customers who keep a low average balance in a checking account and do not need check images

 

*  Subject to Approval/Daily & Monthly Limits Apply

**  Subject to approval/$1000 Point of Sale Daily Limit/$600 ATM Withdrawal Limit

*** Subject to credit approval

Product Features

  • $100 minimum opening amount
  • $300 average daily balance; otherwise $15 service charge per statement cycle if balance is not maintained
  • Savings Sweep: Cover checking overdrafts with funds from Regular Savings.
    • $10 transfer fee from Regular Savings to Checking account. (Excess transactions and transaction charges for Regular Savings account will apply).
  • No interest paid
  • Check imaging not available
  • Paper Statement mailed to account holder each month for $3 per statement  (Electronic statements are free)   

Benefits

  • Easy Access to Money (Online, Mobile, ATM & Telephone)
  • Can write as many checks as you want each month
  • KS Bank and Cash Points Network ATMs available to you at no charge for all your cash withdrawal needs.

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Student Checking

Feature

 

Checking package available to students fourteen years old or older, enrolled in school.  (University/College ID required for those who have graduated from high school.)

*  Subject to Approval/Daily & Monthly Limits Apply

**  Subject to approval/ $1000 Point of Sale Daily limit/$600 ATM Withdrawal Limit

 

Product Features

  • Minimum Opening Deposit of $25
  • No service charge, regardless of balance
  • Free check imaging
  • Paper Statement mailed to account holder each month for $3 per statement   (Electronic statements are free)

Benefits

  • Saves money (no service charge)
  • Easy Access to Money (Online, Mobile, ATM & Telephone)
  • Easy to read check images
  • KS Bank and Cash Points Network ATMs available to you at no charge for all your cash withdrawal needs.

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* Rates & Product features are subject to change. Please refer to disclosures available at local branches for each product.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Effective October 1, 2003.

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