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Personal Banking

Every new personal checking account includes:


  • Free Debit Card 
  • Free Internet Banking 
  • Free Bill Pay
  • Free Mobile Banking
  • Free Mobile Deposit
  • Free eStatements with online check images
  • Free access to over 25,000 Kirkpatrick Bank and MoneyPass ATMs Nationwide 
  • Out of network ATM Fees from Kirkpatrick Bank waived
  • Free Thank You Gift
  • Buy Back of your unused checks and debit cards from another financial institution
    (up to $10)
  • AND Tell-A-Friend about Simply Free Checking and you’ll both receive a FREE Gift



Simply Free CheckingA FREE account for everyone!

  • NO minimum Balance
  • No monthly maintenance fee
  • Open with $50


50 Plus Interest CheckingA perfect account for customers 50 and better!

  • Free standard checks
  • Competitive interest
  • NO minimum balance
  • NO monthly maintenance fee
  • Open with $50


Direct Interest CheckingEarn Interest with the convenience of direct deposit or any automatic payment!

  • Competitive Interest
  • NO minimum balance 
  • NO monthly maintenance fee
  • Open with $50


Preferred Interest CheckingAn account for those interested in higher interest!

  • FREE standard checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if daily balance falls below $1,500
  • Only $10 monthly maintenance fee if minimum daily balance falls below $1,500



Savings Options

Open An Account  

Minimum Opening Deposit $2,500.00 $100.00 $0.01
Monthly Maintenance Fee $10.00 $5.00 None
Balance Requirement to Waive Fee $2,500 Avg Daily $100 Avg Daily None
Number of Permitted Withdrawals/Cycle 6 6 6
Number of Complimentary Withdrawals 6 6 6
Withdrawal Fee for Each Withdrawal Over Six $10.00 $5.00 $5.00
Automatic Transfers from Other Accounts Yes Yes Yes


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