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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.

View Current Deposit Rates

Checking PLUS  |  Apply Now

This isn’t your average, ordinary free 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
  • $500 of Bounce Protection available
  • Earn premium tiered interest (based on your daily collected balance), 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 and function as a free checking account.

Simple Savings  |  Apply Now

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 on your daily collected balance
  • Make up to six withdrawals per month (as limited by federal regulations)
  • Use of Online Banking and E-Statements are required
    • If you opt to receive paper statements on this account, a per statement fee of $2 will apply

Simple Savings accounts are allowed six (6) withdrawals per month. Additional withdrawals will result in a $5 fee for each occurrence. Minors under the age of 18 may open this account with $20. Fees may reduce earnings on the account. 

Advantage Money Market  |  Apply Now

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 on your average daily collected balance
  • Make up to six withdrawals per month (as limited by federal regulations)
  • Use of Online Banking and E-Statements are required
    • If you opt to receive paper statements on this account, a per statement fee of $2 will apply
    • Free Bank to Bank Transfers and Debit Card are available with this account

Advantage Money Market accounts are allowed six (6) withdrawals per month. Additional withdrawals will result in a $5 fee for each occurrence. Fees may reduce earnings on the account.

Choose Your Term CD  |  Apply Now

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
  • FDIC insured CDARS CDs are available over normal FDIC insured amounts

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  |  Apply Now

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  |  Apply Now

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

  • 1, 2, 3, 4 and 5 year terms available along with an 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 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

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 not available for online account opening.

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NOTICE: BECAUSE THERE IS A RISK THAT INFORMATION TRANSMITTED VIA INTERNET EMAIL COULD FALL INTO THE WRONG HANDS, KS STATEBANK RECOMMENDS THAT CONFIDENTIAL INFORMATION, SUCH AS ACCOUNT NUMBERS, SOCIAL SECURITY NUMBERS, OR OTHER IDENTIFYING INFORMATION, NOT BE TRANSMITTED VIA EMAIL. INSTEAD, PLEASE CONTACT KS STATEBANK DIRECTLY AT YOUR NEAREST BANK BRANCH, OR USE OUR SECURE KS STATEBANK MESSAGE CENTER. IT IS YOUR RESPONSIBILITY TO ENSURE THAT COMMUNICATIONS VIA INTERNET EMAIL ARE VIRUS FREE. NO RESPONSIBILITY IS ACCEPTED BY KS STATEBANK FOR ANY ADVERSE CONSEQUENCES, OR VIOLATION OF ANY LAW OR REGULATION, RESULTING FROM YOUR USE OF INTERNET EMAIL.

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