Free checking.

At The Kearny County Bank, we believe banking should be easy, fun, and rewarding - that's why we offer Smart Choice Rewards! It's free checking that pays you in ways that matter every month.

Earn up to $10.00 each month plus refunds on your ATM fees, nationwide. That means every ATM becomes your ATM. You can also link Smart Choice Rewards to a free Smart Choice Saving account. 

  • 2.5% cash back on debit card purchases - up to $10.00 each month if qualifications are met.
  • Refunds on ATM Fees, Nationwide (up to $25 Monthly; $4.99 per single transaction) if qualifications are met.
  • Can Link to High-Interest Smart Choice Saving Account.
  • No Minimum Balance to Earn Rewards.
  • No Monthly Maintenance Fee.
  • FREE Online Banking access & Bill Pay.
  • FREE e-Statements.
  • FREE Mobile Banking.
  • FREE Debit Card.
  • FREE 24-Hour Telephone Banking.
  • Unlimited Check Writing.
  • $100 Minimum Deposit to Open
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Account Disclosures
Free Checking Account
Savings Account
Free Checking Account
Free Checking Account
Checking Accounts in a Kansas Bank

Financing Solutions for Individuals

Home Mortgage Loans
Retirement Accounts

Let's get started on life.

Whether you are saving for your retirement or the future of new family members, let’s discuss your investment options and the safest roadmaps to reach your goals.

Smart Choice Interest Checking

Here’s an account that pays you! Earn 1.5% APY* paid on daily balances up to $25,000. 0.05% APY* if Qualifications aren’t met. Combine with a Smart Choice Savings Account to earn more! Oh, and you also receive refunds on ATM fees nationwide up to $25.00 per month.
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Smart Choice Rewards Checking

Don’t maintain a large balance? That’s ok. The sister account to Smart Choice Interest still pays you back every month. Just meet the qualifications each month, use your debit card transactions to earn 2.5% cash back up to $10.00 each month. i.e. $300 in debit card transactions earns $7.50. And yes, ATM refunds up to $25.00 on you SCRC account!
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Choice Checking

No frills, no hassle, just your rock-solid free checking account. Perks include Free Debit Card and Online Banking with Bill Pay. Only a small monthly maintenance fee of $6.00 if your daily balance drops below $300.00.
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KCB Super Now

Just looking to earn interest? The Super Now account is for you. This account is complemented with free Online Banking, Bill Pay and Debit Card.
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Smart Choice Savings

Link this free savings account to your Smart Choice Checking and let your money work for you. Earn up to 1.00% APY* on daily balances up to $50,000.00. Unfortunately, if qualifying terms are not met within your Smart Choice Checking the APY falls to 0.05%. But don’t fret, this account is always free!
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Money Market Savings

If you’ve maxed out your Smart Choice Savings move that additional money to our stable Money Market account. Earn interest on this account. The rate fluctuates so call us to find out the current APY. KCB is always at or near the top of Money Market rates paid in Southwest Kansas. Dip below $1,000 during the month and a $5 fee will be activated. Also, keep that balance above $1,000 to earn interest. Remember, 6 debits are free, additional debits will run you $1.00 each.
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Regular Savings

You might be looking for a set it and forget it account to reach your savings goals. This account is slim on the trimmings but fits all your basic savings needs. Keep that daily balance above $250 and the tiny $2.00 monthly maintenance fee waived. Your kids get that monthly maintenance fee waived until the age of 21. This is not a transaction account so keep those withdrawals to 6 or fewer during the month to avoid the $1.00 fee for each one over that number. If you would like an ATM card with this account it will cost $15. Contact KCB for the current rates.
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Invest

Certificates of Deposit

Certificates of Deposit

Investments

Save for a rainy day. We offer great rates with peace of mind that your investment is safe!

The Kearny County Bank offers a variety of Certificates of Deposit (CD) with maturities ranging from 3 months to 5 years. Interest is paid by credit to a checking or savings account, paid by check or can be compounded to the face of the CD. Higher rates are available for larger balances and rates may be negotiated for balances over $100,000.

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IRA's

IRA's

Investments

The safe and simple way to save for retirement!

The Kearny County Bank offers Traditional, Roth, Rollover and SEP IRA's that will enable you to meet your retirement savings goals. Your IRA funds can be invested in the bank's certificates of deposit or its popular and competitive 10 year variable rate certificate of deposit.

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Please, never send us any private or account information directly from this form or from your personal email account (ex: account numbers, social security numbers, date of birth, etc.).

Member FDIC
Garden City Bank

Garden City Branch

Bank in Southwest Kansas

1910 E Mary Street
PO Box G
Garden City, KS 67846
620-271-9700

Directions
Kearny County Bank

Lakin Branch

Bank in Southwest Kansas

221 N Main Street
PO Box 67
Lakin, KS 67860
620-355-6222

Directions
  • Mon - Fri
    8:00am - 5:30pm
  • Sat
    9:00am - 12:00pm
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Bank in Southwest Kansas
Kearny County Bank
KCB looks forward to helping you discover countless financing solutions.

Financing

Lakin, Kansas

Lakin Branch
221 N Main Street
Lakin, KS 67860
620-355-6222

Directions

Garden City, Kansas

Garden City Branch
1910 E Mary Street
Garden City, KS 67846
620-271-9700

Directions

*APY = Annual Percentage Yield
Routing Number: 101106625
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