Deposit Accounts

We make banking easy. At KS StateBank, you don’t need to sift through dozens of account options to see which one is the best for you. We’ve streamlined our lineup to include only the best of the best. And, to sweeten the deal even more, all of our deposit accounts include Online Banking, Mobile Banking, E-Statements and Telephone Banking!

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Please note: We reserve the right to limit online applications.

We offer solutions for high-balance deposits.

Checking PLUS

This isn’t your average, ordinary checking account. It’s so much more.

$100 minimum deposit required to open
No minimum balance requirements
No monthly service charge*
Unlimited check writing and transactions
Avoid the $2 Paper Statement Fee by signing up for Online Banking and E-Statements or by maintaining a balance of $5,000 or more
$500 of Bounce Protection available
Earn premium tiered interest (using the daily balance method), and get up to $25 in ATM fee refunds each qualifying statement cycle
- Statement cycle cutoff date is the 5th of each month (or the first business day thereafter if the 5th falls on a weekend or holiday)
- Premium interest and ATM fee refunds are awarded on accounts that meet the following requirements each statement cycle:
  - Receive E-Statements
  - Have at least 10 Debit Card purchases post and clear your account
  - Have at least one ACH transaction or direct deposit post and clear your account

Accounts that don’t meet these requirements in a qualifying cycle will still earn competitive interest.

Minors aged 12 to 17 are eligible to open this account. A parent or legal guardian must be named as a joint account holder and all associated services are available to the minor (e.g., debit card, online banking, combined statements, etc.). A parent or legal guardian must co-sign for the debit card. Minor accounts cannot be opened online.

Classic Checking

Simple, free checking.

$100 minimum deposit required to open
No minimum balance requirements
No monthly service charge
Unlimited check writing and transactions
Free paper statements
$250 of Bounce Protection available

Simple Savings

The easiest way to save for your future starts here.

$100 minimum deposit required to open ($20 for minors under age 18)
No minimum balance requirements
No monthly service charge
Earn interest (using the daily balance method)
Make up to six withdrawals per month
Avoid the $2 Paper Statement Fee by signing up for Online Banking and E-Statements

Simple Savings accounts receive six (6) withdrawals per month at no charge. Additional withdrawals will result in a $5 fee for each occurrence. If you opt to receive paper statements, a per statement fee of $2 will apply. Minors under the age of 18 may open this account with $20 and requires a parent or legal guardian as a co-owner. Minor accounts cannot be opened online. Fees may reduce earnings on the account.

Advantage Money Market

Savvy savers know that keeping their money accessible and in a higher rate earning environment is important. This account helps achieve that for you.

$2,500 minimum deposit required to open
No minimum balance requirements
No monthly service charge
Earn tiered interest (using the daily balance method)
Make up to six withdrawals per month
Avoid the $2 Paper Statement Fee by signing up for Online Banking and E-Statements
Free Bank to Bank Transfers and Debit Card are available with this account

Advantage 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

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
1, 2, 3, 4, 5 and 7 year CDs can be opened online
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.

27 Month Jump Up CD

This Certificate of Deposit (CD) Special gives you confidence that you are in control of your investment. If we raise the rate, you have the power to jump up to higher earnings.

$1,000 minimum deposit required to open
27 month term
One time “jump” available

Interest will compound quarterly. One time "jump" in rate allowed if we increase our published rate for the same product and original term of CD. Request for rate increase can be submitted only in person, by telephone or by Online Banking Secure Message. 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.

Internet Only Jumbo CD Specials

These Jumbo Certificate of Deposit (CD) Specials offe rs a premium rate for your deposits.

1, 2, 3, 4 and 5 year terms available along with an 9,15 and 18 month term
$100,000 minimum deposit required to open
Must be opened online
Not available as IRAs
Cannot be opened in the name of a trust

Interest will compound quarterly. CD is 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.

Traditional IRA

Prepare for your future with tax-deferred retirement savings by getting a Traditional Individual Retirement Account (IRA).

$500 minimum deposit required to open
Terms are available between 6 months and 7 years
Eligible if under the age of 70-1/2 and have received taxable compensation during the year
May include rollover contributions from other qualified retirement plans and rollovers or transfers from IRAs

Consult your tax advisor about tax benefits and the deductibility of contributions. Visit with a Retail Banker regarding contribution limits. A substantial penalty may be imposed for early withdrawals. IRAs are available in branch only, and are not available for online account opening.

Roth IRA

Save for your future on your terms with a Roth Individual Retirement Account (IRA).

$500 minimum deposit required to open
Terms are available between 6 months and 7 years
Tax-deferred earnings until withdrawn
No mandatory distributions at the age of 70-1/2
Eligible if modified adjusted gross income is within required limits
May include rollover contributions from other qualified retirement plans and rollovers or transfers from IRAs

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