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PERSONAL CHECKING
Day in and day out, your checking account is your most important financial tool.  We’ve designed our checking options to let you choose the features you need.  Get the accounts that work as hard as you do – at KSB Bank! 
 
No fees will apply to full-time students and individuals 18 years of age or younger 
whose family has a deposit relationship with KSB Bank. 
 
Simply Free Checking 
"Free" is the key here! It takes only $100 to open this account. From there you have no monthly service charges and no per check charges. There are no limits on how many checks you write either.  
  • No maintenance charge
  • First 150 checks are free
  • No annual fee VISA® debit card
  • Unlimited debit card transactions
  • Free Online Banking
  • Free Billpay
  • Free electronic statements
  • Free check safekeeping
  •  
    Simply Checking 
    A "bare minimum" account. There are no balance requirements for this account. You pay a minimal maintenance charge every month and have the freedom to write as many checks as necessary with no additional charges. Your canceled checks are kept at the bank to eliminate clutter in your home and workspace. A great account for students, seniors or anyone looking for a "simple" checking account.  
  • $3.00 per month maintenance charge
  • Free checks
  • No annual fee VISA® debit card
  • Unlimited debit card transactions
  • Free Online Banking
  • Free Billpay
  • Free electronic statements
  •  
    Simply Checking Plus 
    The "plus" is the interest earned on your balances. A minimum balance is required to avoid charges, but the check writing capabilities are unlimited. We keep your canceled checks and you avoid the hassles of sorting them and storing them. Click on Current Rates to view rates paid on this account. A great account for someone wanting to carry higher balances in their primary checking account. 
  • $8.00 pr month maintenance charge if balance falls below minimum
  • First 50 checks are free
  • No annual fee VISA® debit card
  • Unlimited debit card transactions
  • Free Online Banking
  • Free Billpay
  • Free electronic statements
  • One safe deposit box rent-free (up to $22 value) for one year
  • Returned check charge of $2.00 per month if you choose to have your check images returned
  •  
    Wall Street Checking 
    Do you currently have money in a money fund? If so, why not bring that money home and enjoy even greater benefits with this account. This is our best option for those carrying substantial checking balances. As long as the minimum balance requirements are met, there are no fees and you have unlimited check writing and/or debit card capabilities. You have all the flexibility of a regular checking account, but receive market rates of interest on your balances! Statements run on regular calendar month cycles. Click on Current Rates to view rates paid on this account. 
  • $10.00 per month maintenance charge if balance falls below minimum
  • No annual fee VISA® debit card
  • Unlimited debit card transactions
  • Free Online Banking
  • Free Billpay
  • Free electronic statements
  • One safe deposit box rent-free (up to $22 value) for one year
  • Statements cycle every month-end
  • FDIC
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