PERSONAL BANKING

CHECKING ACCOUNTS

 

Advantage Plus Checking 

This account gives you all the essentials of a checking account and earns you a tiered rate of interest based on your balance.

TIER INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$2,500.00 - $10,000.00 0.24% 0.00% - 0.18%
$10,000.01 - $25,000.00 0.49% 0.18% - 0.37%
$25,000.01 and above 0.71% 0.37% - 0.71%
  • $2,500.00 minimum opening deposit required to open account, cannot be transferred from existing Kaw Valley Bank account
  • You must maintain an average daily balance of $2,500.00 or more to earn interest
  • If your balance falls below $2,500.00 anytime during your statement cycle a balance requirement fee of $5.00 will be assessed
  • Interest will be compounded daily.  Interest will be credited monthly
  • We use daily collected balance to calculate the interest on your account
  • Interest rates subject to change daily

 

Advantage Checking

Earn interest effortlessly with the benefit of unlimited check writing and easy access to your money.

INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
0.05% 0.00% - 0.05%
  • $1,000.00 minimum opening deposit is required to open account
  • You must maintain an average daily balance of $1000.00 or more to earn interest
  • If your balance falls below $1,000.00 anytime during your statement cycle a balance requirement fee of $5.00 will be assessed
  • Interest will be compounded daily. Interest will be credited monthly
  • We use daily collected balance to calculate the interest on your account
  • Interest rates subject to change daily

 

Merit Checking

Designed to recognize our customers aged 60 and better.  

  • $50.00 minimum deposit required to open account
  • No balance requirement fee
  • Fees will be waived for all bank cashier's checks issued

 

Easy Checking

This account meets your everyday banking needs and keeps banking simple all at the same time.

  • $50.00 minimum deposit required to open account
  • No balance requirement fee

 

Advantage Plus Money Market

With premium rates and easy access to your money, this account rewards you for increased savings.

TIER INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$2,500.00 - $25,000.00 0.34% 0.00% - 0.31%
$25,000.01 - $250,000.00 0.69% 0.31% - 0.65%
$250,000.01 and above 1.01% 0.65% - 1.02%
  • $2,500.00 minimum opening deposit required to open account, cannot be transferred from existing Kaw Valley Bank account
  • You must maintain an average daily balance of $2,500.00 or more to earn interest
  • If your balance falls below $2,500.00 anytime during your statement cycle a balance requirement fee of $5.00 will be assessed
  • Interest will be compounded daily.  Interest will be credited monthly
  • We use daily collected balance to calculate the interest on your account
  • Interest rates subject to change daily
  • Limited to six withdrawals per month

 

Advantage Money Market

Safe, Secure, and there when you need it.  Earn more interest than a traditional savings account. 

INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
0.14% 0.00% - 0.14%
  • $1,000.00 minimum opening deposit is required to open account
  • You must maintain an average daily balance of $1,000.00 or more to earn interest
  • If your balance falls below $1,000.00 anytime during your statement cycle a balance requirement fee of $5.00 will be assessed.
  • Interest will be compounded daily. Interest will be credited monthly
  • We use daily collected balance to calculate the interest on your account
  • Interest subject to change daily
  • Limited to six withdrawals per month

 

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SAVINGS ACCOUNTS

 

Advantage Plus Savings

This account allows you to determine your own advantage. 

TIER INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$2,500.00 - $25,000.00 0.40% 0.00% - 0.36%
$25,000.01 - $250,000.00 0.81% 0.36% - 0.81%
$250,000.01 and above 1.19% 0.77% -1.20%
  • $2,500.00 minimum opening deposit required to open account, cannot be transferred from existing Kaw Valley Bank account
  • You must maintain an average daily balance of $2,500.00 or more to earn interest
  • If your balance falls below $2,500.00 anytime during your statement cycle a balance requirement fee of $5.00 will be assessed
  • Interest will be compounded daily.  Interest will be credited quarterly
  • We use daily collected balance to calculate the interest on your account
  • Interest rates subject to change daily
  • Limited to three withdrawals per month to avoid additional fees

Advantage Savings

This advantage savings account puts you in charge of your savings.  

INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
0.05% 0.00% - 0.05%
  • $200.00 minimum opening deposit is required to open account
  • You must maintain an average daily balance of $200.00 or more to earn interest
  • If your balance falls below $200.00 anytime during your statement cycle a balance requirement fee of $2.50 will be assessed
  • Interest will be compounded daily. Interest will be credited quarterly
  • We use daily collected balance to calculate the interest on your account
  • Interest rate subject to change daily
  • Limited to three withdrawals per month to avoid additional fees

 

Teen Advantage Savings

This account is designed specifically for our customers between the ages of 13 and 17 years old.

INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
0.47% 0.00% - 0.47%
  • Account is titled in minor's name only
  • $10.00 minimum opening deposit is required to open account
  • You must maintain an average daily balance of $10.00 or more to earn interest
  • If your balance falls below $10.00 anytime during your statement cycle a balance requirement fee of $1.00 will be assessed
  • Interest will be compounded daily. Interest will be credited quarterly
  • We use daily collected balance to calculate the interest on your account
  • Interest rate subject to change daily
  • Limited to three withdrawals per month to avoid additional fees

 

Blast Off Savings

This account is designed for our customers 12 years of age and under.  

INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
1.45% 0.00% -1.46%
  • Account is titled in child's name only
  • $5.00 minimum opening deposit is required to open account
  • Opening deposit matched by Kaw Valley Bank up to $5.00
  • You must maintain an average daily balance of $5.00 or more to earn interest
  • Interest will be compounded daily. Interest will be credited quarterly
  •  We use daily collected balance to calculate the interest on your account
  • Interest rate subject to change daily
  • Limited to three withdrawals per month to avoid additional fees

Disclosures

  • The average daily balance on each account type listed above 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.
  • Interest rate and Annual Percentage Yield ("APY") may change after account opening.
  • Fees could reduce the earnings on all interest earning accounts listed above.

For more information on how to make the switch to Kaw Valley Bank, please contact one of our customer service representatives by email at customerservice@kawvalleybank.com or by phone at 785-232-6062. You can also stop by any of our 8 locations.

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