Deposit Accounts

You work hard to differentiate your business from the place down the road, and we want to be sure that you can manage your business finances in the same way. We know that no two businesses are exactly the same, and we have a lineup of business accounts designed to accommodate your individual needs.

Be sure to check out our Business Services to see all the ways we can enhance your banking experience and save your company time and money.

Important Information About Opening a Legal Entity Account

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number (as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

We proudly support all efforts to protect and maintain the security of our clients and our country.

Learn more about the new requirements.

Small Business Checking

Our easy-to-manage small business account was designed with smaller companies in mind.

$100 minimum deposit required to open
Maintain a $500 minimum balance and have the $3 monthly service charge waived
Receive 20 free debits and 30 free deposited items each month
Additional debits are $0.20 each and additional deposited items (excluding KS StateBank checks) are $0.15 each
Avoid the $7.50 Paper Statement fee by signing up for Online Banking and E-Statements

Enhanced Business Checking

Enhance Business Checking is a great choice to manage your business, no matter the size or scope.

Open with $100, and benefit from no minimum balance requirements
Reduce or eliminate the $9 monthly service charge and other fees with tiered earnings credits
Receive low “per item” account fees of $0.16 per credit or debit and $0.08 per transit or clearing item (excluding KS StateBank checks)
Link all related accounts or entities together to take better advantage of our earnings credit rates

Contact our Cash Management team for more information on the Enhanced Business Checking fees. Fees and rates subject to change. All soft charged fees can be reduced or offset by our tiered earnings credit rates. The earnings credit rate is set by KS StateBank and is subject to change at our discretion. A member of our team can provide an estimate of your average monthly fees. Fees are assessed to the account on the 15th of each month following the close of the statement cycle (or the following business day if the 15th falls on a federal holiday or weekend). The earnings credit does not accumulate from month to month; it only applies to the charges for the period. A negative earnings rate charge will be assessed to the account if the Average Collected Balance of the account falls below zero.

Community Checking

This cost-effective, interest bearing business checking was designed for nonprofit organizations, government entities and sole proprietorships.

$100 minimum deposit required to open
Maintain a $2,500 minimum balance and have the $6 monthly service charge waived
Earn interest on your daily collected balance
Receive low “per item” account fees of $0.15 per credit or debit and $0.06 per transit or clearing item (excluding KS StateBank checks)

Business Money Market

Earn competitive, tiered interest with this low-volume business money market account.

Earn tiered interest on your average daily balance
$100 minimum deposit required to open
Maintain a $1,000 minimum balance and have the $10 monthly service charge waived
Make up to six withdrawals per month
Avoid the $7.50 Paper Statement fee by signing up for Online Banking and E-Statements

Business Money Market accounts receive six (6) withdrawals per month at no charge. Additional withdrawals will result in a $5 fee for each occurrence. Fees may reduce earnings on the account.

Choose Your Term CD (6 months to 7 years)

Save on your terms with one of our Certificates of Deposit (CDs).

$500 minimum deposit required to open
Terms are available between 6 months and 7 years
Available as collateral for a loan

Interest will compound quarterly. CDs are automatically renewable and, once the term expires, you have 10 calendar days to add or change the term with no penalty. A substantial penalty may be imposed for early withdrawals.

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