Checking

Information or questions about any of our accounts, call 785-232-6062 or Contact Us Here.

24 Hour access to Telephone Banking
For 24 hour access to account balances and transaction history call 785-232-2700 or toll free 1-855-363-2001.

Rates effective January 17, 2024
Account Type Advantage Plus
Checking		 Advantage
Checking		 Merit Checking Easy Checking
Special Features
Cyberscout® Identity Protection

Cell Phone Protection Plan

Online Shopping Discounts


Tiered Interest Rates Dependent on Balance



Interest Bearing


Free Cashier Checks

Free KVB Wallet Checks



None
Service Charges
 $4.00
$5.00
 $5.00
 $0.00
 $0.00
Ways to Reduce
Service Charges
  E-Statements

Debit Card Swipes
  Minimum Average Daily Balance of $2,500.00
Minimum Average Daily Balance of $1,000.00

N/A

N/A
Account Requirements


$50.00 Minimum Opening Deposit


 $2,500.00 Minimum Opening Deposit


 $1,000.00 Minimum Opening Deposit
$50.00 Minimum Opening Deposit

Required Age to Qualify for the Account is 60


 $50.00 Minimum Opening Deposit
Pays Interest

No
Yes - On Daily Collected Balances of $2,500.00 or Higher
 Yes - On Daily Collected Balances of $1,000.00 or Higher

No

No
Free Online Banking and Visa Debit Card
Yes
Yes 
Yes
Yes
Yes

Lux Checking

  • $4.00 Monthly Service Charge
  • $50.00 Minimum Opening Deposit
  • No Minimum Balance Required
  • Unlimited Withdrawals
  • Free Online Banking and Visa Debit Card
Fee Reduction
$0.25 Deduction on Every Debit Card Swipe
$1.00 Deduction for Signing up for E-Statement
The maximum discount applied monthly is $4.00 and only credited to offset the monthly service fee.
Special Features
Cyberscout® Identity Protection
Cellular Telephone Protection
Shopping, Travel & Attraction Discounts

Advantage Plus Checking

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $2,500.00 Minimum Opening Deposit
  • Tiered interest
  • Free Online Banking and Visa Debit Card
Features
 Fees
$2,500.00 Minimum Balance No Service Charge
If the balance falls below $2,500.00 at any time during the statement cycle $5.00 Service Charges
Tier Interest Rate Annual Percentage Yield (APY)
$0.00 - $2,500.00 0.00% 0.00%
$2,500.01 - $10,000.00 0.45% 0.00% - 0.45%
$10,000.01 - $25,000.00 0.50% 0.45% - 0.48%
$25,000.01 and above 0.55% 0.48% - 0.55%
  • Interest Rate Subject to Change Daily
  • You must maintain an average daily balance of $2,500.00 or more to earn interest


Advantage Checking

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $1,000.00 Minimum Opening Deposit
  • Earns Interest on Balances of $1,000 or More
  • Free Online Banking and Visa Debit Card
Features Fees
$1,000.00 Minimum average daily balance to earn interest N/A
If the balance falls below $1,000.00 at any time during the statement cycle $5.00 Service Charge
Interest Rate Annual Percentage Yield (APY)
0.50% 0.50%
  • Interest Rate Subject to Change Daily
  • You must maintain an average daily balance of $1,000.00 or more to earn interest
 


Merit Checking

  • No Monthly Service Charges
  • $50.00 Minimum Opening Deposit
  • 60 yrs Old to Qualify
  • Free Cashier Checks
  • Free Online Banking and Visa Debit Card
Features Fees
No Minimum Balance Required $0.00
This account meets your everyday banking needs and keeps banking simple all at the same time


Easy Checking

  • No Monthly Service Charges
  • $50.00 Minimum Opening Deposit
  • Free Online Banking and Visa Debit Card
Features Fees
No Minimum Balance Required $0.00
This account meets your everyday banking needs and keeps banking simple all at the same time