Personal Checking Accounts

You can get a debit card for any checking account type and your first 50 checks are always free. Online banking is free and available for any account(s). You can utilize our online bill pay on any checking account, if you choose, (fee may apply).

All checking accounts include the following services:

  • 50 complimentary checks at account opening
  • ATM/Debit Card access
  • Automatic Clearing House (ACH) capabilities
  • Complimentary Notary Public service
  • Direct deposit
  • Online banking and Bill Pay

Simply KTC

  • Non-Interest bearing account
  • Unlimited check writing
  • Maintenance fee applies if average daily balance falls below $200.00.

Account fees

All applicable service charge fees will be imposed once during the statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

The following fee applies to this account:
Maintenance Fee: $5.00 if the average daily balance falls below $200.00.

E-Checking

  • Non-interest bearing account
  • No minimum balance
  • Unlimited check writing
  • No maintenance or activity fees
  • Setup fee waived on Debit Card
  • Statement notification delivered online via email. Statement retrieval via online banking account. Online banking enrollment and E-Statement acceptance must be completed within 60 days of account opening. If Online banking enrollment and E-Statement acceptance is not completed the account will be changed to Simply KTC. See fees above.

Account fees

All applicable fees will be imposed once during the statement cycle.

The following fee applies to this account:
E-Statement Fee: $10 will be charged for any statements mailed by U.S. Postal Mail.

Senior Citizens Checking Account

  • Senior citizens 60 years of age and over
  • Non-interest bearing account
  • No maintenance or activity fee
  • No minimum balance
  • Unlimited check writing

Senior Success

  • Senior citizens 60 years of age and over
  • Interest bearing checking account
  • Unlimited check writing
  • Senior Success checks at no charge
  • Maintenance fees are applied if average daily balance falls below $200.00

Rate information

This is an interest bearing account. The interest rate and annual percentage yield are included on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest.

Account fees

All applicable fees will be imposed once during the statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees could reduce earnings on the account.

The following fee applies to this account:
Maintenance Fee: $5 if the average daily balance falls below $200.00.

Student Checking Account

  • Must be full-time student
  • Non-interest bearing account
  • No maintenance or activity fee
  • No minimum balance
  • Unlimited check writing

Money Market Account

  • Interest bearing checking account
  • Limitations on withdrawals do apply

Rate information

This is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest.

Account fees

The following fee applies to this account:
Excess Activity Fee: $2 will be charged for each debit transaction in excess of six during a statement cycle. This fee will be described on your statement as: Total Charge for Checks and Debits. Fees could reduce earnings on the account.

Now Account

  • Interest bearing checking account
  • Unlimited check writing
  • Maintenance fees are applied if daily balance falls below $750.00

Rate information

This is an interest bearing account. The interest rate and annual percentage yield are included on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest. Fees could reduce earnings on the account.

Balance information

The following fee applies to this account:
Maintenance Fee: If your daily balance falls below $400.00 on any day in the monthly statement cycle we will impose a maintenance fee of $8.00 once during the statement cycle. If your daily balance is at least $400.00 on every day in the monthly statement cycle but falls below $500.00 on any day during the monthly statement cycle we will impose a maintenance fee of $6.00 once during the monthly statement cycle. If your daily balance is at least $500.00 on every day in the monthly statement cycle but falls below $600.00 on any day during the monthly statement cycle we will impose a maintenance fee of $4.00 once during the monthly statement cycle. If your daily balance is at least $600.00 on every day in the monthly statement cycle but falls below $750.00 on any day during the monthly statement cycle we will impose a maintenance fee of $2.00 once during the statement cycle.

Low Daily Balance Maintenance Fee

0-$399.99 $8.00
$400-$499.99 $6.00
$500-$599.99 $4.00
$600-$749.99 $2.00
$750 and over No fee

Health Savings Account

  • Interest bearing checking account
  • Unlimited withdrawals
  • 50 complimentary checks at account opening

Rate information

This is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest.

Account fees

All applicable fees will be imposed once during the statement cycle. Fees could reduce earnings on the account.

The following fee applies to this account:
Maintenance Fee: $5.00 if the daily balance falls below $500.00 any day of the cycle.