See the table below to learn more about each of our accounts we offer for Personal Checking. View the Smart Choice Monthly Qualification Cycle .
Account Overview
| Smart Choice Interest | Smart Choice Rewards | Choice Checking | KCB 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
| 2.50% cash back on debit card purchase - up to $10.00 each month | No | No |
| Refunds on ATM fee, Nationwide* | Up to $25.00 per month | Up to $25.00 per month | No | No |
| No minimum balance to earn rewards | yes | yes | No | No |
| 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
| 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 | 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 | Not Applicable | Not Applicable |
| Minimum daily balance to earn interest | $0.01 | Not Applicable | Not Applicable | $500 |
| Learn More | Learn More | Important 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
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
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
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
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
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
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.
