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Checking Accounts

See the table below to learn more about each of our accounts we offer for Personal Checking.  View the Smart Choice Monthly Qualification Cycle  .

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Account Overview

 Smart Choice InterestSmart Choice RewardsChoice CheckingKCB Super Now
Minimum deposit to open$100$100$100$500
No monthly service fee yes yes$6 if Daily Balance is Below $300.00$9 if Daily Balance is Below $1,000.00
Monthly Reward

1.50% APY* paid on balances Up to $25,000


0.05% APY* if Qualifications Aren't Met

2.50% cash back on debit card purchase - up to $10.00 each monthNoNo
Refunds on ATM fee, Nationwide*Up to $25.00 per monthUp to $25.00 per monthNoNo
No minimum balance to earn rewards yes yesNoNo
Free debit card yes yes yes yes
Free online banking & BILL PAY yes yes yes yes
Unlimited checking yes yes yes yes

Smart Choice Saving available

 

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Earn up to 1.00% APY* on balances up to $50,000.00 or 0.05% APY* even if you don't meet your qualifications for the month 

Important Account Disclosures 

Earn up to 1.00% APY* on balances up to $50,000 .00 or a 0.05% APY* even if you don't meet your qualifications for the month

Important Account Disclosures 

Not ApplicableNot Applicable
Minimum daily balance to earn interest$0.01Not ApplicableNot Applicable$500
Learn MoreLearn MoreImportant Account Disclosures Important Account Disclosures 
Important Account Disclosures Important Account Disclosures 
Smart Choice Interest
Minimum deposit to open
$100
No monthly service fee
 yes
Monthly Reward

1.50% APY* paid on balances Up to $25,000


0.05% APY* if Qualifications Aren't Met

Refunds on ATM fee, Nationwide*
Up to $25.00 per month
No minimum balance to earn rewards
 yes
Free debit card
 yes
Free online banking & BILL PAY
 yes
Unlimited checking
 yes

Smart Choice Saving available

 

Learn More

Earn up to 1.00% APY* on balances up to $50,000.00 or 0.05% APY* even if you don't meet your qualifications for the month 

Important Account Disclosures 

Minimum daily balance to earn interest
$0.01
Smart Choice Rewards
Minimum deposit to open
$100
No monthly service fee
 yes
Monthly Reward
2.50% cash back on debit card purchase - up to $10.00 each month
Refunds on ATM fee, Nationwide*
Up to $25.00 per month
No minimum balance to earn rewards
 yes
Free debit card
 yes
Free online banking & BILL PAY
 yes
Unlimited checking
 yes

Smart Choice Saving available

 

Learn More

Earn up to 1.00% APY* on balances up to $50,000 .00 or a 0.05% APY* even if you don't meet your qualifications for the month

Important Account Disclosures 

Minimum daily balance to earn interest
Not Applicable
Choice Checking
Minimum deposit to open
$100
No monthly service fee
$6 if Daily Balance is Below $300.00
Monthly Reward
No
Refunds on ATM fee, Nationwide*
No
No minimum balance to earn rewards
No
Free debit card
 yes
Free online banking & BILL PAY
 yes
Unlimited checking
 yes

Smart Choice Saving available

 

Learn More

Not Applicable
Minimum daily balance to earn interest
Not Applicable
KCB Super Now
Minimum deposit to open
$500
No monthly service fee
$9 if Daily Balance is Below $1,000.00
Monthly Reward
No
Refunds on ATM fee, Nationwide*
No
No minimum balance to earn rewards
No
Free debit card
 yes
Free online banking & BILL PAY
 yes
Unlimited checking
 yes

Smart Choice Saving available

 

Learn More

Not Applicable
Minimum daily balance to earn interest
$500

*APY = Annual Percentage Yield

Qualification Information for Smart Choice Accounts

To earn your rewards you must complete the following activities and transactions in your SMART CHOICE CHECKING account each Monthly Qualification Cycle  

                        ° Have at least 12 debit card purchases post and settle (signed or PIN transactions);

                        ° Be enrolled in online banking; At a minimum one login to your online banking account;

                        ° Be enrolled in and agree to receive e-Statements.

Rewards and ATM Reimbursements (when earned) are credited to your SMART CHOICE account on the last day of the current Statement Cycle. If you believe you have not been reimbursed the correct amount of ATM fees we must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.  

Account transactions and activities may take one or more Business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.  The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, non-retail payment transactions, and purchases made with non-KCB issued debit cards.   

 

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