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Personal Banking
At Citizens Bank of Kansas, N.A., we are proud to be your neighborhood bank that offers global banking solutions. Whether you need to send money to the other side of the world or just take care of business around town, we have a variety of options to suit your needs. Our deposit accounts are a great place to get started.
Express Checking
Ideal for customers looking for flexibility and choices. Express Checking features include:
- $100 minimum to open account
- No minimum balance required
- Unlimited check writing
- $8.50 monthly service charge; waived if $100 minimum balance is maintained
- Interest earned on daily collected balance over $1,000, at bank posted variable rate
- ATM/Debit Card available on request with approved credit
- Overdraft Protection available
- Fees waived for customers aged 62+ and nonprofit organizations
- Internet Banking, Voice Access, Direct Deposit, Single Statement Banking
Check Our Rates | Apply Now | Get a Switch Packet
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Citizens Club Checking
This account offers all of the checking account features you expect, plus the added benefits you want. Citizens Club Checking features include:
- $100 minimum to open account
- No minimum balance required
- Unlimited check writing
- Interest earned on daily collected balance over $2,500, at bank posted variable rate
- FREE personalized wallet-style Club checks; $3.00 discount on other styles
- FREE Travelers Checks and Money Orders
- SAVE $6.00 on annual Safe Deposit Box rental
- ATM/Debit Card available on request with approved credit
- Overdraft Protection available
- FREE Notary Service
- .25% off any consumer loan interest rate with automatic payment from Citizens Bank of Kansas, N.A., checking account
- $7.50 monthly service charges includes $10,000 Accidental Death & Dismemberment insurance with $25,000 Common Carrier insurance
- Internet Banking, Voice Access, Direct Deposit, Single Statement Banking
Check Our Rates | Apply Now | Get a Switch Packet
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Heritage Club Checking
This account is specially designed for customers 55+ years of age. Heritage Club Checking features include:
- $100 minimum to open account
- No minimum balance required
- Unlimited check writing
- Interest earned on daily collected balance over $2,500, at bank posted variable rate
- FREE personalized wallet-style Club checks; $3.00 discount on other styles
- FREE Travelers Checks and Money Orders
- SAVE $6.00 on annual Safe Deposit Box rental
- ATM/Debit Card available on request with approved credit
- Overdraft Protection available
- FREE Notary Service
- .25% off any consumer loan interest rate with automatic payment from Citizens Bank of Kansas, N.A., checking account
- $5.00 monthly service charges includes $10,000 Accidental Death & Dismemberment insurance with $25,000 Common Carrier insurance
- Internet Banking, Voice Access, Direct Deposit, Single Statement Banking
Check Our Rates | Apply Now | Get a Switch Packet
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Thrifty Checking
The perfect account for those who want a simple, no frills checking account. Thrifty Checking features include:
- $100 minimum to open account
- No minimum balance required
- No monthly service charge
- Write 20 checks per month at no charge; 15¢ per debit item thereafter
- Internet Banking, Voice Access, Direct Deposit, and Single Statement Banking
Check Our Rates | Apply Now | Get a Switch Packet
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NOW Account
Our NOW Account is designed for customers who want to put their checking account balance to work for them. NOW Account features include:
- $1,000 minimum to open account
- Unlimited check writing
- Interest paid on daily collected balance over $1,000, at bank posted variable rate
- ATM/Debit Card available on request with approved credit
- If daily balance drops below $1,000, no interest will be paid and the following will accrue:
- $6.00 monthly maintenance fee
- 30¢ fee per debit
- 20¢ fee per deposit item not drawn on Citizens Bank of Kansas, N.A.,
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Money Market Tiered Account
Our Money Market account offers the benefits of a savings account with the flexibility of a checking account. Money Market Tiered Account features include:
- $2,500 minimum to open account
- Interest paid on daily collected balance over $2,500 at bank posted variable rate with tiered interest rates: higher balance = higher interest rate
- Only 6 withdrawals permitted per month, including no more than 3 checks
- $5.00 fee per excess withdrawal
- $6.50 monthly maintenance fee charged if daily balance falls below $2,500
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It’s always a good idea to save for a rainy day. And because we know that you’re never too young to get started, Citizens Bank of Kansas, N.A., offers savings accounts for everyone in the neighborhood.
Regular Savings Account
Our Regular Savings Account is for customers aged 18 and over, and earns interest at Bank posted variable rate.
- $100 minimum balance to open account
- Interest is accrued on a daily collected balance and paid quarterly, at the end of February, May, August, and November
- $100 minimum monthly balance must be maintained or a $2 monthly fee is charged
- Only 3 withdrawals permitted per interest-paying period
- $2 fee per excess withdrawal
- Statements are mailed at the end of May and November. Customers with a Citizens Bank of Kansas, N.A., checking account may receive a statement with statement banking.
- Accounts closed before interest is credited will not receive accrued interest
- Savings accounts with no deposit activity in a 36-month period will be considered dormant and will incur a charge of $7.50 per month
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Cool "Cash" Cat Savings Account
A savings account for little people! Grown up benefits with kid-friendly balance requirements.
- Interest is accrued on a daily collected balance and paid quarterly, at the end of February, May, August, and November
- $25 minimum balance to open account
- $25 minimum monthly balance must be maintained or a $2 monthly fee is charged
- Only 3 withdrawals permitted per interest-paying period
- $2 fee per excess withdrawal
- Statements are mailed at the end of May and November. Customers with a Citizens Bank of Kansas, N.A., checking account may receive a statement with statement banking.
- Accounts closed before interest is credited will not receive accrued interest
- Savings accounts with no deposit activity in a 36-month period will be considered dormant and will incur a charge of $7.50 per month
Check Our Rates | Apply Now | Get a Switch Packet
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Certificates of Deposit
Citizens Bank of Kansas, N.A., offers Certificates of Deposit at very competitive rates and in term lengths to suit every need. The longer the term, the higher the rate! Click below to check out our terms and rates.
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Individual Retirement Accounts
Boost your long-term savings plan with a Traditional or Roth IRA. Both are FDIC insured and offer tax savings benefits.
- Variety of terms available, including a Variable Rate IRA
- Neither deposits nor interest are taxed the year they are deposited; funds are taxed as withdrawn after the age of 59½
- Substantial penalty incurred for early withdrawals, equal to 90 days interest for IRA’s of 12 months or less, or 180 days interest for IRA’s longer than one year
- $30 IRA transfer out fee
Check Our Rates | Apply Now | Get a Switch Packet
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Credit Cards
Top off your personal banking suite with a Citizens Bank of Kansas, N.A., credit card. Our Visa® offers competitive rates, excellent terms and benefits, plus some of the lowest fees of any issuer. Check out the details and decide for yourself!
Credit Card Current Interest Rate:
- Visa® Classic - Prime + 6.92% (10.92% APR)
- Visa® Gold - Prime + 6.92% (10.92% APR)
- Visa® Platinum Preferred - Prime + 5.92% (9.92% APR)
Card Holder Benefits:
- Balance transfers are treated as purchase, not a cash advance
- At $25, our fees are among the lowest of any issuer
- Our default rate is effective at 60 days delinquent, not 30 days
- Cardholders have 25 days to make a payment
- Payments can be made online or through ACH AutoPay
- Free, 24 hour, online access to cardholder account information
- Platinum Preferred cardholders earn gifts starting at 2,000 points
- Redemption of airline tickets begins at only 20,000 points
Contact your neighborhood branch to apply
for a Citizens Bank of Kansas, N.A. Visa® credit
card.
Atlanta |
Kingman |
Pretty Prairie |
Sylvia |
Turon |
Wichita |
Winfield
Citizens Bank of Kansas, N.A. Visa® cardholders may view their card history at www.mycardstatement.com.
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Ready to make the switch to Citizens Bank of Kansas, N.A.?
Let us help you take care of the details with our convenient Switch Packet. These forms will help you make a smooth transition without overlooking any of the important items that you’ve come to depend upon from your checking account.
Account Closure Letter
Send this letter to your current bank to inform them of your intent to close your account, and provide them with instructions to send the funds to your new Citizens Bank of Kansas, N.A., account.
Automatic Payment Change Form
Are you having payments automatically deducted from your checking account? Use this letter as many times as you need to notify all your direct-debit vendors of your new Citizens Bank of Kansas, N.A., account.
U.S. Treasury Direct Deposit Form
If you are receiving any deposits directly from the U.S. Government, you will need this form. This includes Social Security payments, government payroll, military payroll or any other deposit issued by the Treasury Department.
Direct Deposit Change Form
Use this form to notify your employer or any other direct depositor to send funds to your new Citizens Bank of Kansas, N.A., account.
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