Personal Checking Accounts

Personal Checking Relationship Rewards Regular Interest Free
Interest Bearing Yes Balance and transaction qualifications apply. Yes
Online Bill Pay Yes Yes Yes Yes Yes
Free Online Banking Yes Yes Yes Yes Yes
Free KANZA Bank Checks Yes
Unlimited Check-Writing Yes Yes Yes Balance and transaction qualifications apply. Yes
Minimum Balance $10,000 Aggregate $0 $500 $1,000 $0
Minimum Initial Deposit $100 $100 $100 $1,000 $100
Discount on New Consumer Loans With auto-debit
Free Debit Card Yes Yes Yes Yes Yes
Free e-Statements Yes Yes Yes Yes Yes
Overdraft Privilege Yes Yes Yes Yes Yes
ATM Usage Fees refunded on qualifying transactions Fees refunded on qualifying transactions Yes Yes Yes
25% Off Brokerage Commissions On first three stock trade transactions with Cetera Investment Services
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Details Details Details Details Details
Relationship Checking KANZA Rewards Checking Regular Checking Interest Checking Free Checking
Interest on account balances Compounded & credited monthly. $2,500 minimum to earn interest. Check Rates Here Compounded & credited monthly. Tier 1 APY applies to balances $10,000.00 or less. Tier 2 APY applies to balances $10,000.01 or more. Check Rates Here Compounded & credited monthly. $1,000.00 minimum to earn interest. Check Rates Here
Online bill pay Free up to 15 payments/month .30 charge/item after 15 Free Free first 3 months, $3.95/mo. thereafter for up to 15 bill pays/mo. .30/bill beyond 15 Free first 3 months, $3.95/mo. thereafter for up to 15 bill pays/mo. .30/bill beyond 15 Free first 3 months, $3.95/mo. thereafter for up to 15 bill pays/mo. .30/bill beyond 15
Free online banking X X X X X
Free KANZA Bank checks X
Check-writing privileges Unlimited Unlimited Unlimited Unlimited Unlimited
Minimum balance / maintenance fee No monthly fee with combined account balances totaling $10,000 or more.
Eligible accounts include: Checking & savings, Money market accounts, Certificates of deposit, Individual retirement accounts, Consumer loans, Home equity line of credit, KANZA Bank mortgage loans.
If account totals fall below $10,000, a $10 monthly fee is charged.
No minimum balance.
No monthly service charge.
Minimum opening deposit $100.
No service charge if $500 avg daily balance is maintained.
If avg daily balance falls below $500 a $5 fee is charged.
Minimum opening deposit $100.
No service charge if $1,000 minimum daily balance is maintained.
If minimum daily balance falls below $1,000, a $5 service fee is charged plus .20/item for transactions over 25 per statement cycle.
Minimum opening deposit $1000.
No minimum balance. No monthly service fee. Minimum opening deposit $100.
1/4% discount on new consumer loans with automatic debit X
Free safe deposit box For 1 year.
Free cashier's checks X
Free Debit Card X X X X X
Free e-Statements X X X X X
Overdraft Privilege $1,000 Overdraft Privilege limit available $700 Overdraft Privilege limit available $700 Overdraft Privilege limit available $700 Overdraft Privilege limit available $400 Overdraft Privilege limit available
ATM usage Refund on KANZA Bank ATM Charges from non-KANZA Bank ATMs (up to 5 per month) Unlimited nationwide ATM fee refunds per cycle when qualifications are met X X X
25% off brokerage commissions on the first three stock trade transactions with Cetera Investment Services X

Relationship Checking

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For customers with multiple KANZA Bank accounts totaling $10,000 or more, Relationship Checking offers a way to leverage your financial strength with a variety of refunds, premium interest rates and benefits.

Customers without a combined balance of $10,000 may be eligible for Relationship Checking with a $10 monthly fee. The following accounts may be totaled to receive your Relationship Checking:

  • Personal checking and savings accounts
  • Money market accounts
  • Certificates of deposit
  • Individual retirement accounts
  • Consumer loans
  • Home equity line of credit
  • KANZA Bank mortgage loans

Not included:

  • Brokerage products, commercial loans and deposits, and secondary market mortgage loans.

Unique Features

For more information about the Unique Features, click here.

  • Free KANZA Bank checks
  • Unlimited no-fee check writing
  • No minimum balance
  • Premium interest on account balances ($2,500 minimum balance to earn premium interest)
  • Free Safe deposit box (1 year)
  • Free cashier's checks
  • Refund on KANZA Bank ATM charge from non-KANZA Bank ATMs (Up to 5 per month. Some limits apply.)
  • ¼% discount on new consumer loans with automatic debit
  • 25% off brokerage commissions on the first three stock trade transactions with Cetera® Financial Services
  • Free Online Banking
  • Free Online Bill Pay up to fifteen payments per month (.30 charge per item after 15)
  • Free ATM/Debit card
  • Added Value Services
    • Bank-By-Phone
    • Credit Card Services
    • Direct Deposit
    • Overdraft Protection
      • Interest accrues on daily balance. Interest is compounded and paid monthly. Interest rate is subject to change without notice.
      • Securities and insurance provided by Cetera are not FDIC-insured, are not guarnteed by KANZA Bank, are subject to risk and may lose value.

Cetera Financial Services is an independent registered broker/dealer and is member SIPC.

If you are interested in this account please call us to speak with one of our Customer Service Representatives or use our online application.

KANZA Rewards Checking

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Turn your checking account into an earning opportunity with no minimum balance, no monthly fees and an array of advantages.

A high yield on your balance, refunds on ATM fees and free online privileges make KANZA Rewards a premium checking option for anyone. To qualify, 12 monthly debit card purchases must post and clear your account, at least one direct deposit or automatic payment must post and clear your account, and enroll & receive electronic statements. Minimum opening deposit is $100.

Unique Features

For more information about the Unique Features, click here.

  • 2.00% APY earned on balances up to $10,000 when qualifications are met
  • Free Online Banking
  • Free Online Bill Pay
  • No minimum balance
  • No monthly service charge
  • Unlimited Nationwide ATM fee refunds per cycle when qualifications are met
  • Overdraft Protection

Patent Pending, BancVue

Rate Information:

Rates effective as of October 4, 2016.

2 .00% APY applies to balances of $.01-$10,000.
Interest rate of .50% applies to the portion of balances over $10,000.
If qualifications are not met 0.05% APY applies to all balances.
Rates may change after the account is opened. Fees may reduce earnings. Available to personal accounts only. New customer applicants must reside in Kansas or Oklahoma.

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If you are interested in this account please call us to speak with one of our Customer Service Representatives or use our online application.

Regular Checking

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Ideal for customers who keep $500 or more in their checking account or who want a set monthly service fee.

KANZA Bank Regular Checking is service charge-free with an average daily balance of only $500. If your average daily balance is below $500, your monthly service fee is just $5. Minimum opening deposit is $100.

Unique Features

For more information about the Unique Features, click here.

  • No service fee with $500+ average daily balance
  • Fixed monthly service fee below $500 average daily balance
  • Unlimited check writing
  • Added Value Services
    • ATM/Debit Card
    • Bank-By-Phone
    • Credit Card Services
    • Direct Deposit
    • Online Banking
    • Online Bill Pay
    • Overdraft Protection

If you are interested in this account please call us to speak with one of our Customer Service Representatives or use our online application.

Interest Checking

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For customers who maintain higher account balances, our Interest Checking account offers interest that's compounded and credited monthly on minimum daily balances of $1,000 or more.

If the minimum daily balance falls below $1,000, there is a $5 service fee plus .20 per item for transactions over 25 per statement cycle. Minimum opening deposit is $1,000. Interest rate is subject to change without notice.

Unique Features

For more information about the Unique Features, click here.

  • No service fee with a $1,000 minimum daily balance
  • Interest earned on $1,000 minimum daily balance
  • Added Value Services
    • ATM/Debit Card
    • Bank-By-Phone
    • Credit Card Services
    • Direct Deposit
    • Online Banking
    • Online Bill Pay
    • Overdraft Protection

If you are interested in this account please call us to speak with one of our Customer Service Representatives or use our online application.

Free Checking

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With no monthly service charge and unlimited check writing, our Free Checking account is a great no-frills option.

Duplicate checks are required, as check images are not returned with your monthly statement. Minimum opening deposit $100.

Unique Features

For more information about the Unique Features, click here.

  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Added Value Services
    • ATM/Debit Card
    • Bank-By-Phone
    • Credit Card Services
    • Direct Deposit
    • Online Banking
    • Online Bill Pay
    • Overdraft Protection

If you are interested in this account please call us to speak with one of our Customer Service Representatives!

Rate information ‐ At our discretion, we may change the interest rates for this account.

Tier 1 - An interest rate of 1.980% will be paid on the entire portion of your daily balance that is less than $10,000.01. The annual percentage yield (APY) for this tier is 2.00% Tier 2 - An interest rate of .50% will be paid only for that portion of your daily balance that is $10,000.01 or more.

The interest rates and annual percentage yields may change daily.

Compounding frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Effect of closing an account - If you close your account before interest is paid, you will not receive accrued interest.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to open - The minimum balance required to open this account is $100.00.

Deposit limitations - You may make an unlimited number of deposits into your account.

Additional Terms - The following additional terms apply to this account: To receive the high Annual Percentage Yield and ATM refunds nationwide, you must perform the following qualifications per qualification cycle:
  1. 12 debit card purchases must post and clear your account monthly.
  2. At least one direct deposit or ACH Auto Debit must post and clear your account monthly.
  3. Receive e-Statements.
If you do not meet the qualifications during the qualification cycle, your account will still function as a free checking account earning 0.05% APY and you will not receive ATM refunds for that time period.

With KANZA Rewards Checking, you will receive:
  • Free Online Banking
  • Free, Unlimited Bill Payment
  • Free e-Statements
  • ATM Fee Refunds Nationwide (if qualifications are met)

Availability Limitations:
This account type is available for personal account use only. New customer applicants must reside in Kansas or Oklahoma.

Statement Cycle & Qualification Cycle:
Statements for KANZA Rewards accounts will cycle with a cutoff date of the 16th unless the 16th falls on a weekend or Federal Holiday, in which case the statement will cycle on the first business day thereafter. Qualification requirements (i.e. 12 debit card purchases posted and cleared, and a direct deposit or ACH Auto Debit posted and cleared) for determining if the account will receive the high annual percentage yield (APY) are calculated the business day prior to the statement cycle date. Therefore, the cutoff date for the "qualification cycle" will always be the business day just prior to the day the statements cycle. Debit card and other electronic transactions are counted based on the date that the transaction hard posts and clears the account rather than the date the transaction was conducted by the customer. Any debit card purchases and direct deposit/ACH activity occurring on the statement cycle date will be counted in the following month's qualification calculations. For example, if the statement date is March 16th, debit card purchases and ACH activity that are posted and cleared to that statement with a date of March 16th will be counted in the next statement's qualifications.

Numerous, very small dollar transactions discouraged. The KANZA Rewards account is designed to provide an attractive rate of interest for customers who choose to conduct much of their banking electronically, which is a cost-effective method for us. KANZA Bank reserves the right to close any customer account, upon reasonable notification, at any time and for any reason (see terms and conditions.) Customers that attempt to qualify for the high rate of interest yield by making numerous, very small dollar transactions are not conducting their account activity consistently with account expectations for this product. When customers choose to handle their KANZA Rewards account in this manner, then KANZA Bank may choose to close the customer account or request that the customer change their account type to a product more consistent with their account practices.