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Rates

Get all the security benefits you need — plus the added perk of interest when you maintain a $3,000 balance.

Key Features

  • Competitive Interest
  • Security Benefits
  • Digital Banking
  • Debit Card

Do you currently have an account with First National Bank of Kansas?

  • Checking with added security benefits plus interest
  • Earn competitive interest when you maintain a $3,000 minimum average daily balance
  • Avoid the monthly service fee by maintaining a $3,000 minimum average daily balance
    • $5.95 monthly service fee for account holders under 65 with a balance of $0-2,999.99
    • $2.95 monthly service fee for account holders over 65 with a balance of $0-2,999.99
    • See bates Below for more information
  • Unlimited check writing
  • Cell phone protection1
  • Identity theft protection (Tips & Overview)2
  • Overdraft privilege service available3
  • Free digital banking, including:
    • Online banking & bill pay
    • Mobile banking with mobile deposit
    • eStatements
  • Free Visa® debit card
  • $100 minimum deposit to open
  • Not available to for-profit corporations, partnerships or associations, commercial or business checking accounts.

View our brochure to learn more (PDF).

Your Interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account daily.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Interest is compounded monthly and credited on the last day of each monthly cycle.  if you close your account before interest is credited, you will not receive the accrued interest. 

The average daily balance method is used to calculate interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Not available for for-profit corporations, partnerships or associations.

1Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete terms, conditions and exclusions of coverage. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

2IDProtect service is a personal identity theft protection service available to personal checking account owners, their natural person joint account owners and their eligible family members (as defined below). The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and the beneficiary's eligible family members (Fiduciary is not covered). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. Eligible Family Members include: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.

3Available only to consumer accounts (no business accounts) for personal and household use and we may limit the number of accounts eligible for Overdraft Privilege to one account per household. Additionally, we reserve the right to not approve any overdrafts against your account until we can verify that your account is being maintained in good standing. The Overdraft Privilege Service does not constitute an actual or implied agreement between you and the bank; nor does it constitute an actual or implied obligation of or by the bank. This service represents a purely discretionary courtesy or privilege that the bank may provide to you from time to time and which may be withdrawn or withheld by the bank at any time without prior notice or reason or cause. (Refer to Overdraft Privilege Service Description for further explanation on service.)