Checking Accounts

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

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*Qualification Information: Account transactions and activities may take one or more 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. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $25,000 receive APY** of 2.00%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.25% to 2.00% APY** depending on the account's balance. Kasasa Cash Back: 2.5% cash back on up to a total of $400.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY** of 1.00% and balances over $50,000 earn .25% interest rate on the portion of balance over $50,000, resulting in a range from .05% to 1.00% APY** depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. 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. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY**; all balances in a Kasasa Saver account earn 0.05% APY**; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. APYs** accurate as of 10/1/2017. Rates and rewards are variable and at our discretion may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There is a minimum deposit of $100.00 required to open a Kasasa account. To earn you rewards you must complete the following activities and transactions each Monthly Qualification Cycle: Have at least 12 debit card purchases post and settle (signed or PIN transactions), Be enrolled and log into online banking and Enroll and receive eStatements. Limit 1 account per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.(**APY=Annual Percentage Yield)