See the table below for a list of our various savings accounts to learn about which may be best for your needs.
Savings Account Overview
| Smart Choice Saving | Regular Savings | KCB Money Market | |
|---|---|---|---|
| Minimum Balance to Open | $100 | $100 | $1,000 |
| Maintenance Fee | Free | $2 if Daily Balance is Below $250 | $5 if Daily Balance is Below $1,000 |
| Links to Smart Choice Interest and Smart Choice Rewards accounts | yes | No | No |
| APY* | 1.00% APY* on balances up to $50,000. 0.05% APY* if qualifications are not met on Smart Choice Interest or Smart Choice Rewards accounts. | Contact Us | Contact Us |
| Free Debits | * | 6 free debits per month; additional debits $1.00 each.* | 6 free debits per month; additional debits $1.00 each.* |
| Minimum Balance for Interest | None | $100 | $1,000 |
| Minimum Balance for Rewards | None | No Rewards | No Rewards |
| 24-Hour Telephone Banking | yes | yes | yes |
| Online Banking Access | yes | yes | yes |
| Annual ATM Card Fee | None | $15 per Card | $15 per Card |
| UTMA Fee Waiver | No | Monthly Maintenance Fee Waived Until Age 21 | No |
| Learn More |
Smart Choice Saving
Minimum Balance to Open
$100
Maintenance Fee
Free
Links to Smart Choice Interest and Smart Choice Rewards accounts
yes
APY*
1.00% APY* on balances up to $50,000.
0.05% APY* if qualifications are not met on Smart Choice Interest or Smart Choice Rewards accounts.
0.05% APY* if qualifications are not met on Smart Choice Interest or Smart Choice Rewards accounts.
Free Debits
*
Minimum Balance for Interest
None
Minimum Balance for Rewards
None
24-Hour Telephone Banking
yes
Online Banking Access
yes
Annual ATM Card Fee
None
UTMA Fee Waiver
No
Regular Savings
Minimum Balance to Open
$100
Maintenance Fee
$2 if Daily Balance is Below $250
Links to Smart Choice Interest and Smart Choice Rewards accounts
No
APY*
Free Debits
6 free debits per month; additional debits $1.00 each.*
Minimum Balance for Interest
$100
Minimum Balance for Rewards
No Rewards
24-Hour Telephone Banking
yes
Online Banking Access
yes
Annual ATM Card Fee
$15 per Card
UTMA Fee Waiver
Monthly Maintenance Fee Waived Until Age 21
KCB Money Market
Minimum Balance to Open
$1,000
Maintenance Fee
$5 if Daily Balance is Below $1,000
Links to Smart Choice Interest and Smart Choice Rewards accounts
No
APY*
Free Debits
6 free debits per month; additional debits $1.00 each.*
Minimum Balance for Interest
$1,000
Minimum Balance for Rewards
No Rewards
24-Hour Telephone Banking
yes
Online Banking Access
yes
Annual ATM Card Fee
$15 per Card
UTMA Fee Waiver
No
*Limit 6 debits per preauthorized, automatic, internet or telephone transfers or payments by check to third parties; unlimited debits made in person, by mail, messenger or ATM; APY=Annual Percentage Yield.
Learn more about our other investment options below:
