Personal Checking Accounts

Checking Account Earns Interest Monthly Service Charge
KANZA Rewards Checking Yes None if qualifications are met.
Regular Checking No None if average daily balance meets $500.
Free Checking No None
Interest Checking Yes None with minimum daily balance of $1,000.
Relationship Checking Yes None if qualifications are met.
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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 XFor 1 year.
Free cashier's checks X
Debit card Free debit card Free debit card Free debit card Free debit card Free debit card
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