Personal Products > Checking

E-Checking
KTC Checking
KTC Advantage
Now Account
Senior Citizen Checking
Senior Success
Student Checking
Restricted Money Market
Health Savings Account

All Personal Checking Accounts include the following services:

• Fifty complimentary duplicate checks
• ATM/Debit Card Access
• Twenty-four hour phone bank
• Automatic Clearing House capabilities
• Complimentary Notary Public service
• Direct Deposit

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
• E-Statement Fee: $10 will be charged for any statements mailed by U.S. Postal mail if notification delivered via email fails

KTC CHECKING

• Non-interest bearing account
• Unlimited check writing
• Monthly maintenance fee of $8 will apply if daily balance falls below $200

KTC ADVANTAGE

• Non-interest bearing account
• Unlimited check writing
• Setup fee waived on Debit Card with security feature of photo identification
• .25% lower rate on approved new installment loan if payment is automatically debited from this Advantage account.
• Monthly maintenance fee of $6 will apply if average daily balance falls below $500

NOW ACCOUNT

• Interest bearing checking account
• Unlimited check writing
• Monthly maintenance fees are applied if daily balance falls below $750
• Daily Balance Maintenance Fee:
  
  

  $0.00 - $399.99	$8.00
  $400 - $499.99	$6.00
  $500 - $599.99	$4.00
  $600 - $749.99	$2.00
  $750 and over	No fee

SENIOR CITIZEN 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
• One 3 x 5 safe deposit box, rent free for a year (key deposit required)
• One twelve month certificate of deposit at a premium rate of .2% above current rate
• Monthly maintenance fee of $5 will apply if average daily balance falls below $200

STUDENT CHECKING ACCOUNT

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

RESTRICTED MONEY MARKET ACCOUNT

Interest bearing checking account
Limitations on withdrawals do apply. You may make six withdrawals from your account each four week or similar period. $2 will be charged for each debit transaction in excess of six during a statement cycle.

HEALTH SAVINGS ACCOUNT

• Interest bearing checking account
• Unlimited withdrawals
• 50 Free checks

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.

Balance information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account fees: All applicable fees will be imposed once during the statement cycle. The following fee applies to this account: