Added Value Services

ATM/Debit Card

Withdraw cash, transfer funds between accounts or check your balance fro any convenient ATM within the network. Transactions are free at KANZA Bank ATM locations.In addition to the convenience of our worldwide ATM network, our KANZA Bank debit card acts as a paperless check, automatically deduction your purchases from your checking account. Apply for yours today and leave your checkbook at home next time you shop.

Unique Features
  • 24-hour access
  • Free transactions at KANZA Bank ATMs


Use it to access your account information day or night from the convenience of your touchtone telephone wherever you are.
With Bank-By-Phone you can:

  • Check your account balance
  • Transfer funds between your KANZA Bank accounts
  • Check your loan balance
  • Obtain information on your CDs and IRAs

To use Bank-By-Phone, call 620-532-5123 in the Kingman area, or outside the area call toll-free, 1-877-532-5145.

For more information, visit with a customer service representative today.

Unique Features
  • 24-hour access
  • Easy to use
  • Free of charge

Credit Card Services

As part of the continuing effort to provide our customers with a full line of quality banking services, KANZA Bank offers VISA credit cards for all you personal needs. Upon approval you will begin saving money immediately with your new variable rate credit card, for use at thousands of locations wherever VISA is accepted.

Unique Features
  • Rewards program*
  • Auto rental insurance
  • Travel accident insurance
  • Free online access to statement and account information
  • Customer selected PINs
  • Fraud detection program

*Limited to Platinum VISA card only.

Financial Calculators

KANZA Bank offers a variety of financial calculators to assist you in planning your financial needs.


  • Use our Kids Calculator to help kids realize how much money they could have tomorrow if they started saving today


  • Use our Loan Payment Calculator to help you determine the loan financing amount and payment options that are best for you.

Loan Comparison

  • Use our Loan Comparison Calculator to create a table for the desired information about loan financing amount and payment options.


  • Use our Mortgage Calculator to help you determine the financing for a mortgage that you potentially qualify for.


  • Use our Retirement Calculator to help you determine the amount of money to save each year in order to achieve your financial goals.


  • Use our Savings Calculator to help you determine a savings plan to reach your financial goals.

Personal Online Banking

Pay bills, transfer funds ,view check images, or review your account statements, all without ever having to leave home. To apply for online banking, simply click here, or stop by KANZA Bank for assistance. Once we receive your electronic application, your account will be activated.

Unique Features
  • Password-protected for your privacy with Multifactor Authentication
  • Easy to use
  • 24-hour access
  • Free of charge
  • Optional Online Bill Pay feature

Online Bill Payment

First three months are free! Thereafter, for a monthly fee of $3.95, you may make up to 15 payments a month. A $.30 fee will be charged for each bill over 15 per month. Simply register and store your bills online. With a few simple clicks, your bills will be paid, eliminating check writing, envelope costs and postage.

Unique Features
  • Password-protected for your privacy with Multifactor Authentication
  • Quick, easy bill payment
  • Saves time
  • Eliminates check writing & postage expenses
Click here to view a demo on Bill Pay!
Select the Bill Payment option on your Personal Online Banking menu today!

Overdraft Protection

Have you ever:
  • Made an honest mistake in your checkbook?
  • Found yourself a little short?
  • Had unforseen expenses at the wrong time?
KANZA Bank offers two options that provide you with the flexibility to manage your funds and protect your checking accounts against overdrafts. These options also help you avoid high charges from merchants for returned checks.

Insufficient Funds Transfer

From Savings, Money Markets and other Checking accounts. You may authorize KANZA Bank to transfer funds from designated accounts to cover your Checking accounts that contains insufficient funds. Funds are withdrawn from accounts as needed and automatically transferred to cover overdrafts, with a small transfer fee of $5.

Overdraft Privilege

Rather than automatically returning unpaid any insufficient funds items that you may have, we will consider without obligation payment of your reasonable overdrafts within specified limits for eligible account types.

Overdraft protection can mean:
  • You avoid high charges from merchants for returned checks.
  • Payment of overdrafts up to a $400 overdraft (negative) balance for Free Checking accounts, a $1,000 overdraft (negative) balance for Relationship Checking accounts, and a $700 overdraft (negative) balance for KANZA Rewards and other eligible personal checking accounts.
  • For each overdraft item, KANZA Bank will charge our normal $30* insufficient funds or overdraft charge.
  • In order to qualify for Overdraft Privilege, the account must be open for at least 30 business days and thereafter, maintained in good standing.

For additional detail regarding this great service, please refer to the link for Overdraft Privilege under the Required Disclosures section below.

Our normal insufficient funds or overdraft charge of $30* will apply to each item that would create an overdraft on your account. The categories of transactions for which an overdrafts and resulting overdraft fees may be imposed include checks; in-person withdrawals; ATM withdrawals, debit card transactions, preauthorized automatic debits, electronic checks, telephone-initiated transfers, or other electronic transfers; payments authorized by you; the return, unpaid of items deposited by you; the imposition of bank service charges; or the deposit of items which according to our Funds Availability Policy are treated as not yet "available" or finally paid. Our insufficient funds and overdraft charges are per item fees. Therefore, more than one insufficient or overdraft fee could be charged against the account per day. Of course, we are not promising to pay your overdrafts, not all accounts are eligible, and some restrictions do apply.

*This fee may change. Daily overdraft fee of $5 per business day after three (3) consecutive business days overdrawn also applies.

Safe Deposit Boxes

For your security, access is limited to individuals authorized by you. Two keys are provided for each box. Visit with a customer service representative about box sizes and annual fees.

Unique Features
  • Provides secure storage for documents and other valuables
  • Available in a variety of sizes

Savings Bonds at
Click Here For Information!

Required Disclosures: