Personal Checking Accounts

"KENDALL"  Checking

Regulation DD (Truth in Savings)  NO MINIMUM BALANCE REQUIRED.  Credits/Deposits: UNLIMITED. Debits/Checks Transactions: 20 FREE per month ($0.24 per debit/check over 20) {Debit transactions include withdrawal, check paid, automatic transfer, substitute check, or payment out of the account}. Statements: Monthly or (Semi-Annually by request). Online Banking (Includes MOBILE BANKING APP): FREE: includes 5 Free "Billpayer" transactions ($1.00 per "Billpayer" transaction over 5) {See Online Banking disclosure (below) for complete information} Shazam®ATM or Shazam®Chek card Disclosure & Bank Approval ($1.50 per month maintenance fee) Shazam® transactions: FREE from Activity Charges. Monthly Maintenance Fee: $5.50 (Requires 1 or more Direct Deposits to the account) OR Monthly Maintenance Fee: $6.50 (If there are NO Direct Deposits to the account).

 “Other Account Information & Terms” (Disclosure) apply. “Account Agreement” (Disclosure) will apply. 

"KENDALL" Checking includes:

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"Basic" Checking

Regulation DD (Truth in Savings) Credits/Deposits: UNLIMITED. Debits/Checks:UNLIMITED.  Statements: Monthly or (Semi-Annually by request).  Shazam® ATM or Shazam® Chek card (Per Shazam® Disclosure & Bank Approval) ($1.50 per month maintenance fee) Online Banking: ($2.50 per month - NO "Billpayer" transaction) OR Online Banking (Includes MOBILE BANKING APP) PLUS "Billpayer" ($5.95 per month includes 8 FREE "Billpayer" transactions {$1.00 per "Billpayer transaction over 8}). {See Online Banking disclosure (below) for complete information}. NO MONTHLY MAINTENANCE CHARGE (if a minimum monthly balance maintained at $300.00 or above.  However, if the minimum balance falls below $300.00 any day during the monthly statement cycle the maintenance charge is $5.00, and a per item fee of $0.24 will apply and be charged for each credit and debit transaction {withdrawal, check paid, automatic transfer, substitute check, or payment out of the account}. "Other Account Information & Terms” (Disclosure) apply. “Account Agreement” (Disclosure) will apply. 

"Basic"  Checking includes:

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“60 GOLD” Checking

Regulation DD (Truth in Savings):
NO MAINTENANCE CHARGE    Debits/Checks Transactions: 20 Free per month  ($0.24 per debit/check over 20) Deposits/Credits: UNLIMITED; Shazam®ATM or Shazam®Chek card (Per Shazam® Disclosure & Bank Approval) Shazam®Chek (debit) card merchant signature based transactions: FREE & UNLIMITED.  Online Banking (Includes MOBILE BANKING APP) - FREE: includes 5 Free “BillPayer” transactions ($1.00 per ‘Billpayer’ transaction over 5). {See Online Banking disclosure (below) for complete information} Earnings Credit against service charges--based on a current rate of interest set by the bank (X) the average daily collected balance over $500.00 during the month. Statements: Monthly or (Semi-annually by request)  “Other Account Information & Terms” (Disclosure) apply. “Account Agreement” (Disclosure) will apply. 

The account provides the following additional benefits: TWO (2) FREE personal money orders per month; FREE direct deposit; FREE notary; 50% DISCOUNT on a 3x5, 5x5, or 3x10 Safety Deposit Box or the same dollar discount as a 3x10 SDB on any larger size box.

“60 GOLD” Checking includes:

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"Student 101"  Checking Account

Regulation DD (Truth in Savings):
NO MINIMUM BALANCE REQUIRED.   NO MONTHLY MAINTENANCE  FEE.  Deposits/Credits: UNLIMITED;  Debits/Checks Transactions: 20 Free per month ($0.24 per debit/check over 20). Shazam®Chek (debit) card  signature-based transactions: FREE & UNLIMITED Shazam®ATM or Shazam®Chek card (Per Shazam®Disclosure & Bank Approval--Special $1.00@mo. maintenance charge.) Online Banking: $2.50 per month; INCLUDES FREE MOBILE BANKING APP & 5 FREE “Billpayer” Transactions ($1.00 per “Billpayer” transaction over 5). {See Online Banking disclosure (below) for complete information} Statements: Monthly or (Semi-Annually by request) “Other Account Information & Terms” (Disclosure) apply. “Account Agreement” (Disclosure) will apply.

Account owner must provide Bank with Date of Birth and Social Security #  to be eligible for the “Student 101” account. On student’s 23rd Birthday, this account will automatically be changed to the “KENDALL” Checking Account. However, customer may request in person, writing, fax, e-mail or phone to be place in any other type of account offered at that time by Kendall State Bank.

"Student 101" Checking includes:

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Super Now Checking (Interest Checking)

Regulation DD (Truth in Savings)
This account bears interest-the tiering method - interest rate and annual percentage yield are included in the rate chart. Your interest rate and annual percentage yield (APY) may change at our discretion at any time without limitation. You must maintain a minimum monthly balance of $750.00 or an average monthly collected balance of $1,000.00 to avoid a monthly maintenance fee of $12.00. Maintenance charge waived if customer has combined total of $5,000.00 in Certificate of Deposit or Money Market Accounts. Debits/Checks Transactions: 20 Free per month ($0.24 per debit/check over 20) Shazam® Chek (debit) card signature-based transactions: FREE & UNLIMITED. Shazam®ATM or Shazam®Chek card (Per Shazam® Disclosure & Bank Approval.) Online Banking:  (INCLUDES FREE MOBILE BANKING APP)  $5.95 per mo. Online Banking plus “Billpayer” includes  8 FREE “Billpayer” transactions ($1.00 per “Billpayer” transactions over 8) OR $2.50 per month (No "Billpayer"). {See Online Banking disclosure (below) for complete details} Statements: Monthly “Other Account Information & Terms” (Disclosure) apply. “Account Agreement” (Disclosure) will apply. See Deposit Rates Sheet for current Super NOW Checking Rates.

Super Now Checking includes: 

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Money Market Checking

Regulation DD (Truth in Savings)
This account bears interest-the tiering method - interest rate and annual percentage yield are included in the rate chart. Your interest rate and annual percentage yield may change at our discretion at any time without limitation.  You must maintain a minimum monthly balance of $1000.00 or an average monthly collected balance of $2000.00 to avoid a monthly maintenance fee of $12.00.  A maximum of six (6) pre-authorized or automatic or phone transfers from money market accounts to third parties or other accounts per month, three (3) may be by check or draft.  Excess over six (6) are $12.00 each.  Date check is paid will be used rather than date on check.  Any number of transfers or withdrawals per month may be made in person or by mail or messenger. Shazam®ATM or Shazam®Chek card (Per Shazam®Disclosure & Bank Approval) Online Banking: $5.95 per mo. Online Banking (Includes MOBILE BANKING APP) plus “Billpayer” includes 8 FREE “Billpayer” transactions ($1.00 per “Billpayer” transactions over 8) OR $2.50 per month (No “Billpayer”) {See Online Banking disclosure (below) for complete details} Statements: Monthly or Semi-Annually “Other Account Information & Terms” (Disclosure) apply. “Account Agreement” (Disclosure) will apply. See Deposit Rates Sheet for current Super NOW Checking Rates.

Money Market Checking includes: 

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