Personal Checking Accounts Kensington Bank

Personal Checking Accounts

Checking accounts are the cornerstone of your relationship with Kensington Bank. Whether you enjoy debit card swipes, online shopping carts, or ensuring your check register is up-to-date, we have you covered!

Our checking options let you choose an account that best fits with your values and how you like to manage your everyday finances.

Which Checking Account is Right for You?

	Rewards Checking	Interest Checking	Free Checking
SPECIAL REQUIREMENTS	Rewards Checking These 3 requirements must all be met during each statement cycle to earn the special Rewards Checking interest rate: 15 debit card transactions per statement cycle⁷ 1 monthly direct deposit OR 1 month ACH debit⁷ Enrolled in Paperless Statements	Interest Checking None	Free Checking None
MINIMUM TO OPEN	Rewards Checking $25	Interest Checking $750	Free Checking $25
MINIMUM DAILY BALANCE	Rewards Checking None	Interest Checking $750	Free Checking None
INTEREST	Rewards Checking Yes, tiered: Earn Rewards rate on balances up to $20,000 Earn Interest Checking rate on the portion of balances over $20,000	Interest Checking Yes	Free Checking None
FALL BELOW FEE	Rewards Checking N/A If 3 requirements are not met, no interest is earned for that statement cycle.	Interest Checking $10	Free Checking None
ADDITIONAL BENEFITS	Rewards Checking ATM Fee Rebate (up to $10)³ First order of checks free⁴ Free Digital Banking Free Bill Pay¹ Free Mobile Banking Free Debit Card² ¼% Consumer Loan Discount with Autopay^{2, 6} Check images w/eStatements($3 paper statement fee) Refer-a-Friend Rewards No Ready Reserve Set-up fee² No Annual Fee Rewards Credit Card² Identity Theft Smart Available⁵	Interest Checking Free Digital Banking Free Bill Pay¹ Free Mobile Banking Free Debit Card² ¼% Consumer Loan Discount with Autopay^{2, 6} Free PAPER statement w/images (eStatement available) Refer-a-Friend Rewards Ready Reserve Available² No Annual Fee Rewards Credit Card² Identity Theft Smart Available⁵	Free Checking Free Digital Banking Free Bill Pay¹ Free Mobile Banking Free Debit Card² ¼% Consumer Loan Discount with Autopay^{2, 6} Check images w/eStatements($3 paper statement fee) Refer-a-Friend Rewards Ready Reserve Available² No Annual Fee Rewards Credit Card² Identity Theft Smart Available⁵

Limit one Rewards Checking & Savings per person. Paper Statement is $3 unless noted as free. Savings excess withdrawal fee of $5.

$5 monthly Bill Pay Inactivity fee after 60 days.
Subject to approval.
If the 3 Rewards Checking requirements are not met during any statement month/statement cycle, ATM fees will not be rebated that month.
Only applies to initial check order when the account is opened.
Fees may apply.
Example: a checking customer with a $5,000 loan with an annual percentage rate (APR) of 7.31% enrolled in auto-pay would receive a ¼% interest rate discount. This would result in an APR of 7.06%.
Posted transactions.
Paperless Statements includes enrollment of online statements through Digital Banking or enrollment in e-statements.

Special Perks for Customers 55+

Choose the checking account that best meets your needs, and enjoy these EXTRA benefits:

ATM Fee Rebate (up to $10 /mo.)
Free paper statement (optional)
Free box of checks annually ⁴
1/2 off small safe deposit box (or $10 credit for larger box)
Free photo copies of check images

Stop by any of our offices, give us a call at (866) 965-2419, or contact us.

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Checking Accounts