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Checking
Accounts
Checking
Accounts
| FREE
REWARDS CHECKING
- Switch
Kit |
FREE REWARDS CHECKING is a completely free checking account that pays a premium interest rate and refunds ATM fees on a nationwide basis!
6.01% APY* will be earned on a Rewards Checking Account plus FREE ATM fees everywhere you go when you meet the minimum qualifications listed below. There are no service charges and no minimum balance to meet. It’s as easy as 1-2-3! And...if you don’t meet the qualifications to get the rewards one month… don’t worry...you still have a great free checking account...and you can try again next month!
1.
Contact an account representative at Kansas State
Bank to get your account changed today!
2.
Once you have your Rewards Account, Meet these 4
Free and Easy Qualifications each statement cycle
to receive Your Reward:
a. Make 10 Check Card Transactions (excludes
ATM Transactions)
b. Have 1 Direct Deposit or ACH Auto Debit
c. Enroll In and Receive Electronic Bank Statement
d. Access Online Banking at least one time per
cycle.
3.
Enjoy your Reward!
CALL us at 866.866.3KSB
Or stop by any of our locations in Manhattan, Junction City or Wichita.
| *6.01% Annual Percentage Yield (APY) paid on balances between one penny to $25,000, and 0.50% APY paid on all amounts above $25,000 each statement cycle the minimum qualifications are met. If the qualifications are not met each statement cycle, the account will still function as a free checking account earning 0.25% APY; however, you will not receive ATM refunds for that time period. Rates are as of February 1, 2008. Kansas State Bank may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required, however, there must be a minimum deposit of $100 to open this account. Available to Personal Accounts only. No monthly service charge. Fees may reduce earnings. **ATM refunds up to $25 (per statement cycle) if qualifications are met. |
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| FREE
CHECKING & MORE
- Switch
Kit |
|
Our
most affordable check plan for those people on the move that
desire a checking account with no fees attached. This is a
non-interest bearing account. Checks are not returned.
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An
account designed to meet traditional standards in a
competitive marketplace. Classic Plus features the return of
your canceled checks and the option of eliminating the monthly
service fee by maintaining a small minimum balance.
-
"Bounce
Protection™" privilege up to $500.00
-
Minimum
to open account: $100.00
-
Minimum
balance to avoid service fee: $300.00
-
Service
fee if balance falls below minimum: $3.00
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| INTEREST
ADVANTAGE - Switch
Kit |
|
Interest
Advantage offers an innovative approach to checking services.
If your needs require a large account balance, Interest
Advantage may be just right for you. By maintaining a minimum
balance of $500.00, no monthly service fee will be assessed.
Interest rates vary according to the account's collected
balance. Please refer to a current rate sheet for balance
tiers and related rate and annual percentage yield (APY)
information.
-
"Bounce
Protection™" privilege up to $1,000.00
-
Minimum
to open account: $100.00
-
Minimum
balance to avoid service fee: $500.00
-
Service
fee if balance falls below minimum: $8.00
-
Unlimited
check writing.
-
Check
Imaging
| *The
following terms apply to all interest bearing checking
accounts, Money Market accounts and savings accounts.
The interest rate and annual percentage yield may
change, any time, at our discretion. Interest will
compound and pay to your account monthly. We use the
daily balance method to calculate the interest in your
account. This method applies a daily periodic rate to
the principal in the account each day. Interest begins
to accrue no later than the business day we receive
credit for the deposit of non-cash items (for example,
checks). If you close an interest bearing account before
the interest is credited, you will receive the accrued
interest. |
|
| NEW
HORIZONS
- Switch
Kit |
|
If
you are 50 years of age or better, then NEW HORIZONS is for
you. Our New Horizons program provides a complete financial
package to meet your needs. Membership entitles you to many
products and services, including:
-
"Bounce
Protection" privileges up to $1,000.00
-
Interest Advantage checking account with no monthly service fee (see
above for interest rate information and calculation
method)
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Your
first 200 personalized checks free.
-
Interest
bearing
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Free
travelers checks
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Free
cashiers checks
-
Free
notary service
- An
exclusive consultation with a representative from the
Investment Center at Kansas State Bank.
-
Estate Planning and financial seminars.
-
Check
Imaging
|
| NEW
HORIZONS GOLD
- Switch
Kit |
|
New
Horizons members who maintain $10,000 in deposits and have a
checking account with Kansas State Bank qualify for additional
services and benefits as GOLD CLUB members.
-
"Bounce
Protection" privileges up to $1,000.00
-
Added
interest to your Money Market Account.
-
Free
checks for your New Horizons checking account.
-
Check
Imaging
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|
| MONEY
MARKET ACCOUNT |
|
Your
Kansas State Bank MONEY MARKET account provides you access
to your money by check while your dollars earn interest at
competitive rates. Tiered interest rates allow you to earn
at higher rates as your balances increase. Please visit with
one of our financial representatives to obtain current rate
and APY information.
| Minimum
to open account: |
$100.00 |
| Minimum
balance to avoid service fee: |
$1,000.00 |
| Service
fee if balance falls below minimum: |
$5.00 |
| Transaction
limitations and fees: |
| Six
withdrawals, including three checks: |
no
charge |
| Additional
debits: |
$3.00 |
|
|
| *The
following terms apply to all interest bearing checking
accounts, Money Market accounts and savings accounts.
The interest rate and annual percentage yield may
change, any time, at our discretion. Interest will
compound and pay to your account monthly. We use the
daily balance method to calculate the interest in your
account. This method applies a daily periodic rate to
the principal in the account each day. Interest begins
to accrue no later than the business day we receive
credit for the deposit of non-cash items (for example,
checks). If you close an interest bearing account
before the interest is credited, you will receive the
accrued interest. |
|
|
Bonus
Points
|
An
exciting program is available to allow you to earn even
higher interest rates by maintaining other selected
accounts at Kansas State Bank. By
taking advantage of this exciting bonus program, your
money market account could earn up to .45%!
|
| Interest
Advantage Checking |
.10% |
| Individual
Retirement Account |
.10% |
| Certificates
of Deposit with Balances over $10,000 |
.05% |
| Safety
Deposit Box |
.05% |
| Personal
Loans Over $5,000 |
.05% |
| Gold
Horizon Account |
.10% |
| Total |
.45% |
|
| •Minimum to open account |
$50,000.00 |
| •Minimum balance to avoid
service fee |
$50,000.00 |
| •Service fee if balance
falls below minimum |
$10.00 |
| •Minimum to obtain
disclosed APY |
$.01 |
| •Transaction
limitations and fees: |
| •Six
withdrawls, including three checks |
no charge |
| •Additional
debits |
$3.00 |
| •Check Imaging |
|
|
|
| *The following
terms apply to all interest bearing checking accounts, Money
Market accounts and savings accounts. The interest rate and
annual percentage yield may change, at any time, at our
discretion. Interest will compound and pay to your account
monthly. We use the daily balance method to calculate the
interest in your account. This method applies a daily
periodic rate to the principal in the account each day.
Interest begins to accrue no later than the business day we
receive credit for the deposit of non-cash items (for
example, checks). If you close an interest bearing account
before the interest is credited, you will receive the
accrued interest. |
Back to Top
|
|
View the
Checking
Account Matrix
to compare the following
accounts:
Deposit Accounts:
Checking:
- Free Rewards Checking,
- Free Checking & More,
- Classic Plus,
- Interest Advantage
Specialized
Services:
- New Horizons,
- New Horizons Gold
Investments:
- Money Market,
- Premium Money Market
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