Other Services

Your world can’t be contained in checking and savings accounts, no matter how much we both love those. So, we offer a few other perks to our relationship.

Bill Pay

We love keeping things simple. And, what could be simpler than not writing checks, stuffing and stamping envelopes and running by the post office, just to pay bills?

Click here to get simply organized.

Auto Draft/Deposit

This is the best way to pay those monthly bills accurately and on time. Lose the hassles, the check writing, the envelops and the stamps!

Direct Deposit

We love automatic and we bet you do too. Your employer or other sources of regular income can deposit those payments directly to your account. No muss. No fuss. Usually all you need to do is provide a blank check. Or, we can provide a letter for you to use.

Auto Draft

On the flip side of automatic money in is, you guessed it, automatic money out. You can authorize an automatic debit to your account for any regular monthly bill. Again, you provide a blank check or a letter from us as part of your authorization. It is convenient, always timely, and well, automatic.

Contact your nearest branch for more information

E-Statement

This is the simplest thing ever! Instead of going to your mailbox or waiting for the mailroom to route it to you, go to your inbox.

Click here to enroll for E-Statements online or click here to sign on to E-Statements.

KB Connection Line

Although we really love to see you in our bank, your busy life needs access to your account any time. We have two options available: our Connection Line gives you account information by phone, our OnLine Banking gives you internet access to view your account and manage your transactions.

Contact your nearest location for more information.

Overdraft Privilege

Sometimes the pace of life gets a little hectic and the money coming in doesn't quite stay ahead of the money going out. Before you know it, you've written a check for more than you have available in your account. It can be a very embarrassing moment. Worse, it can have a lasting negative impact on your relationships with the people or companies with whom you do business. Kirkpatrick Bank has two options for you to consider.

Option 1

Kirkpatrick Bank will extend a courtesy privilege to help you pay those checks written on insufficient funds. We will establish an agreed limit and honor checks within that limit, rather than returning them unpaid. You will be charged a fee for each check written on insufficient funds and you must deposit enough funds to bring your account back to a positive balance within 30 days.

To learn more, contact the branch nearest you.

Option 2

Establish a statement savings account and link it to your checking account. If you have checks written against your checking account at a point where you have insufficient funds in the account, we will transfer funds from your savings account to your checking account, free of charge. You will need to maintain a sufficient balance in your savings account to make this option work for you.

To learn more, contact the branch nearest you.

Check Cards

This is a debit card linked to your checking account and it works just like writing a check. It also doubles as an ATM card. We use VISA as our service provider.

Group Banking

Your employees are one of your best assets … and one of your major expenses! What if you could beef up your benefit package without spending a nickel more? We thought that might get your attention. If your business banks with us and if you utilize direct deposit of payroll, we’ll give your employees access to our premium checking account product. With this account they can enjoy a variety of discounts and services at no cost to you.

To learn more, contact the branch nearest you.

Merchant Services

Let’s face it, credit cards are an essential part of the cash flow for any business. We can set you up to enhance your sales opportunities with credit and debit acceptance capability.

Fill out the form provided below and bring it to your favorite branch to complete the application process.

Merchant Application

Merchant Fees

Operating Guide

Visa/MC Credit Cards

This makes tracking and managing business expenses a breeze. Issue corporate credit cards to your employees and simplify the business expense process.

To learn more, or apply contact the branch nearest you. To see other ways Kirkpatrick Bank can make running a business easier, see our Treasury Management Services.

Safety Deposit Box

Some things just need to be kept in a really safe place. And what could be safer than a bank? You can choose from a variety of sizes and locations.

To learn more, contact the branch nearest you.

Remote Deposit

This is techno-speak for not having to drive to the bank to deposit your checks. Not that we don’t like to see you, but this saves gas, time, and is much more attractive in bad weather. Plus, you can make deposits after hours, audit, track and reconcile your check deposits at your office. For everything else we have courier services available. Need we say more about this?

Click here to view our Treasury Management Services.

Financial Planning & Investment Services

We all love to dream — about vacations, second homes, retirement, starting a business or expanding one. Whatever it is, dreams really do come true if we've done our homework right with solid financial planning.

Financial Planning and Investment Advisory Services are available through Womack Investment Advisers, Inc., a Registered Investment Advisor. Womack Investment Advisers, Inc. is not an affiliated entity of Kirkpatrick Bank and their investments are not insured by the FDIC.

Click here to visit their website.