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Personal Banking

Free Checking

It doesn’t get easier than this! There is no minimum balance, no service fees—and absolutely no strings attached.

KCB Choice

This checking account bears interest and offers unlimited check writing privileges. If your daily balance drops below $100, $7.50 monthly charge will be assessed. (Rates)

KCB Elite

This checking account is a tiered interest bearing account. It allows you to earn a premium rate on higher balances with unlimited check writing. A monthly average balance of $2,500 is required to avoid a $10 monthly service charge. (Rates)

KCB Classic

This free interest bearing account is for customers age 50 and older and offers free KCB Classic check, travelers check, money orders and cashier’s checks. Plus get a $5 annual discount on safe deposit box rentals. (Rates)

Health Savings Account

A great way to save for future medical expenses is by opening a Health Savings Account (HSA) with KCB Bank. You may be eligible to make contributions to an HSA if your employer offers a high deductible health plan. At KCB we make things simple. The HSA account is a free interest bearing account with unlimited check writing and free checks. Call and talk to a Financial Service Representative for more information. (Rates)

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Money Market

Our entry level money market has no minimum balance requirements.  Six withdrawals are allowed per month. In-bank transfers are unlimited. (Rates)

Premier Money Market

Open a high-interest money market and earn more bang for your buck! Requires a $2,500 minimum daily balance to avoid service fees. Six withdrawals are allowed per month. In-bank transfers are unlimited. (Rates)

Savings

Regardless of your balance, KCB offers a secure interest-bearing savings account for your money. Three withdrawals are allowed each month, nine per statement cycle. Additional withdrawals are $2 each. (Rates)

Christmas Club

Here’s an easy way to regulate your savings. Sign up to deposit an agreed upon amount each week for 49 weeks, and on the 50th week the bank will make the last deposit for you. Your deposits will start in November and the final check will be cut the last week in October—just in time for the holiday shopping season!

Speed Savers

For the young saver in your family, this account is designed to teach financial management in a fun, interactive way. Includes a cool Speed Savers starter kit and prizes for $100, $250 and $500 increments. Three withdrawals are allowed each month, nine per statement cycle. Additional withdrawals are $2 each. (Rates)