Personal Banking

Our personal loans are designed to help you achieve your goals with flexible terms and pre-approved loans.

Every Personal Checking Account Includes:

Home Five Check
Free Debit Card
Home Five Check
Free Mobile Deposit
Home Five Check
Free access to over 25,000 Kirkpatrick Bank and MoneyPass ATMs Nationwide
Home Five Check
Free Internet Banking
Home Five Check
Free eStatements with online check images
Home Five Check
Kirkpatrick Bank will not charge you a fee for using an out-of-network ATM
Home Five Check
Free Bill Pay
Simply Free Checking

A free account for everyone

  • No minimum balance
  • No monthly maintenance fee
  • Open with $50
50 Plus Interest Checking

A perfect account for customers 50 and better!

  • Free standard checks
  • Competitive interest
  • No minimum balance
  • No monthly maintenance fee
  • Open with $50
Direct Interest Checking

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

  • Free standard checks
  • Competitive interest
  • No minimum balance
  • No monthly maintenance fee
  • Open with $50
Preferred Interest checking

An 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

Compare features of all our personal savings options below

Features
Zen
Platform 1
Platform 2
Platform 3
Features one
Features two
Features three
Features four
Features five
Features
Money Market
Basic Savings
Minor Savings
Minimum Opening Deposit
$2,500
$100
$0.01
Monthly Maintenance Fee
$10
$5
None
Balance Requirement To Waive Fee
$2,500 Avg Daily
$100 Avg Daily
None
Automatic Transfers From Other Accounts
Features
Zen
Platform 1
Platform 2
Platform 3
Features one
Features two
Features three
Features four
Features five
Minimum Opening Deposit
Money Market
$2500
Basic Savings
$100
Minor Savings
$0.01
Monthly Maintenance Fee
Money Market
$10
Basic Savings
$5
Minor Savings
None
Balance Requirement To Waive Fee
Money Market
$2,500 Avg. Daily
Basic Savings
$100 Avg Daily
Minor Savings
None
Automatic Transfers From Other Accounts
Money Market
Basic Savings
Minor Savings

More Savings options

Certificates of Deposit  

CDs are FDIC insured and have a specific, fixed term (often three months, six months, or one to five years), and, usually, a fixed interest rate. At maturity, the CD can either be renewed or the money may be withdrawn together with the accrued interest.

Individual Retirement Accounts (IRA)

IRAs provide individuals the opportunity to make potentially tax-deductible contributions for retirement. Kirkpatrick Bank offers FDIC insured CDs for your IRA. Consult with your tax advisor to see how this account may benefit you.

Health Savings Accounts (HSA)

HSAs allow an individual to save money, potentially tax-deferred, for medical expenses. We offer a debit card with this account to make payments to medical providers easier. Consult with your tax advisor to see how this account may benefit you. More information is available at TREASURY.GOV.

Insured Cash Sweeps

Money Market Deposit Accounts available through a network of banks offer access to multi-million dollar FDIC insurance protection, while working directly with just one bank – the bank you know and trust​​​​​.

Certificate of Deposit Account Registry Service (CDARS)

Certificate of Deposit accounts available through a network of banks offer access to multi-million dollar FCDIC insurance protection with terms ranging from 4 weeks to 5 years, while working directly with just one bank – the bank you know and trust.

Personal Loans

Kirkpatrick Bank personal loans are simple interest loans with NO prepayment penalty. You receive discounts with automatic payment from a Kirkpatrick Bank checking account. We offer quick decisions, flexible terms, and pre-approved loans.

Personal Loans can address a variety of needs, including:      
New or used car, Recreational vehicle, Motorcycle, Boat, General consumer purpose loan. Please download, complete and print the application form and return it via mail or fax. Do NOT email.

Oklahoma fax:  405-341-9125     Colorado fax:   719-866-6311

Home Equity Loans

A Home Equity Loan is a great way to finance home improvements, education, vacations, or debt consolidation. Consult with your tax advisor to see how this loan may benefit you.

Home Equity Line of Credit

The Home Equity Line of Credit allows flexibility to obtain funds as needed, unlike a traditional second mortgage, which provides funds all at once. An available balance is established within the credit line, against which checks may be written to cover a wide range of needs, including college tuition, home improvement, or a new business start-up.  

Mortgages

The Kirkpatrick Bank Home Loans team is here to assist you with finding the right mortgage application for you and assisting you through every step of the process. We offer the following loan types: Residential, Commercial, Multi-Family Construction Loans, Conventional, Jumbo, VA, FHA, Private Bank Portfolio Financing  

Contactless Cards

Kirkpatrick Bank card products use contactless technology.  Watch the video to learn more

Debit Cards

Debit cards can be used to make purchases or to withdraw cash from an ATM. Our debit cards have fraud protection and can be replaced if lost or stolen. Even better, by using CardValet, our mobile app for debit cards, you can turn the card on or off, control spending limits, and set other restrictions.  

Personal Credit Cards

Kirkpatrick Bank offers consumer credit cards through our partnership with TCM Bank, N.A.  Kirkpatrick Bank customers have the opportunity to take advantage of a rewards card program that offers great benefits and discounts. Cards are issued by TCM Bank, N.A., and subject to credit approval.

CLICK HERE TO APPLY OR FOR MORE INFORMATION

For current cardholders, CLICK HERE to access your credit card account. You will be able to view your account transactions, statements, make a payment, and more.

cRewards℠

To sign up or view the reward point catalog, visit WWW.CREWARDSCARD.COM

Visa Gift Cards

A perfect gift for all occasions. Available for purchase at any Kirkpatrick Bank location.

Learn More

The Benefits of Internet Banking

  • Access to your accounts – current & available balances, transactions
  • View/print account statements and check images
  • Pay bills
  • Receive e-bills from participating merchants
  • View pending bills, recent bills and bill history
  • Pay individuals for personal payments
  • Transfer money  
  • Set alerts
  • Send a secure message to customer service

Sending and Receiving Money with Zelle

Learn More

The Benefits of Mobile Banking Include:

  • Access to your accounts – check balances, review recent transactions
  • Pay bills – schedule payments, review payment history, cancel payments
  • Pay individuals for personal payments
  • Transfer money
  • Deposit checks
  • If you have an iPhone or an iPad, or a mobile device using Android – we have an app for you.
Card Valet – Safeguard Your Card

Smartphone apps are available for Apple and Android

     

  • When the app is downloaded, the CardValet icon displays
  • Tap the icon to launch the application & wait for the connection
  • Press the login bar to proceed
  • Select New User and register your card by entering the 16 digit card number
  • Follow the prompts to complete registration
  • Accept the Terms & Conditions
  • Create a login name and password
  • Enter an email address (where a security token will be sent if you forget your password)
  • A confirmation message will display on the app, Tap “OK”
  • You will be directed to a login page to enter your newly chosen name & password
Watch our video about Mobile Banking
Watch our video about mobile banking for tablets

Cybersecurity Tips

The internet allows businesses of any size or location to reach new and larger markets. It allows opportunities to work more efficiently using mobile devices or remote access. Whether your business is adopting cloud computing, actively using social media, or just using email and maintaining a website, cybersecurity is critical.  

A recent study showed that 87% of small to medium businesses don’t consider themselves a cyberattack target. While larger enterprises may have more data to steal, small/ medium businesses tend to have less secure networks. By using automated attacks, cybercriminals can breach thousands of small businesses at a time, making size less important than security.

There are effective steps any company can take to avoid becoming a victim.

Use a Firewall

The Federal Communications Commission recommends that all businesses set up a firewall. While external firewalls are somewhat standard, it is recommended that an internal firewall also be set up.  Employees working from home should also install a firewall on their home networks, preferably firewall software and support provided by the company.

Protect equipment, Information, and Networks
  • Equipment protection: Regularly update computers: including desktops, laptops, and mobile devices. Make sure all operating systems and web browsers are up to date.
  • Mobile device security: Require users to password-protect their devices, encrypt their data, and install security apps.
  • Data protection: Regularly, preferably automatically, backup data on all devices, especially word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. Store copies separately and securely.
  • Network Protection: Check for and install any new versions of software, including security, anti-virus, and operating software. Set antivirus software to run a scan after each update. Install key software updates as soon as they are available.
Control physical access
  • Lock up laptops or other mobile devices when unattended.
  • Establish separate user accounts for each employee and require strong passwords, which should be changed every 60-90 days.
  • Limit administrative privileges and limit data access based on job needs.
  • Secure the Wi-Fi network for your workplace. Be sure it is secure, encrypted, and hidden. Password protect access to the router. Use a separate computer to access confidential data on the network, and do not use that computer to surf the internet. Set up a separate Wi-Fi for customers, if that is a convenience you wish to provide.
Train. Limit. Authenticate.
  • Your employees are your first defense perimeter. To be effective in that role, they must have regular training, appropriate access, and strong means of authenticating their access.
  • Train:  Establish basic security practices and policies, such as strong passwords, appropriate internet use guidelines, rules on how to handle and protect customer information and vital data, and how to recognize cyber threats such as phishing.
  • Limit: Do not provide any one employee with access to all data systems. Limit access to the specific systems needed for their jobs. Do not allow employees to install any software without permission.
  • Authenticate:  Multifactor authentication (MFA) is a process to verify that the person accessing a device or account is who they claim to be. Logging into the computer at work is a single factor authentication. While your network may be secure, a single factor is insufficient to protect against the many ways in which anyone’s identity can be hacked. A multifactor authentication process will include several types of Identity Claim Factors, such as:
  • Something you own:  sending a code via an application, text message, email or voice call to a mobile phone or device in your possession, which you then enter at the site you wish to access.
  • Something you know: a PIN or answer to a security question.
  • Something you are: a fingerprint or retinal scan, confirming that you physically are the person you claim to be.
  • Kirkpatrick Bank offers multifactor security protocols for business accounts.
Wire Transfer Fraud

Business email compromise is an advanced form of spear-fishing and it’s a growing problem and companies are losing thousands, even millions of dollars instantly. Scammers may either gain access to an executive or high-level employee email account or they may spoof the account, changing where the email is sent when the recipient responds. In the first case, the scammer acquires access through a phishing attack and waits for the perfect time to take over, usually when the individual is out of the office for a trip of some kind. The scam targets employees of businesses that regularly perform wire transfer payments or work with foreign companies or suppliers. An email is sent from the CEO or CFO asking that employee to make an immediate or urgent transfer of funds. When receiving any request to wire transfer funds, look closely to verify the email address. Call the person who is supposedly requesting the transfer to verify that they did make the request. If you reply to the message, be sure to look at the real email address before replying.  It is best to have a transfer process in place that requires more than just an email request and is a multi-person process.

Resources

There are several sources of reliable information and assistance on the topic of business cybersecurity.

Federal Communications Commission
445 12th Street SW
Washington, DC 20580
Phone: 1-888-225-5322
Website: FCC.GOV

Federal Trade Commission
Business Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
Phone: 1-202-326-2222
Website: FTC.GOV (tips & advice, Business Center)

Department of Homeland Security
Offices located in each state
Website: search Cybersecurity | Homeland Security
DHS.GOV (topic/cybersecurity)

National Cyber Security Alliance
Website: STAYSAFEONLINE.ORG (cybersecure-business)

Send and Receive Money With Zelle

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know.

With Zelle®, you can send money directly from your personal account at Kirkpatrick Bank account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

You don't need to download anything new! Just use your email address or U.S. mobile number to get started: log in to your Kirkpatrick Bank online banking account and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the "Send Money With Zelle®" tab.

Easily start today using just your email address or U.S. mobile number:

1

Log in to Bill Pay

2

Select “Send Money With Zelle®

3

Accept Terms and Conditions

4

Select your U.S. mobile number or email address and deposit account

Don't have our mobile app?
Download it for free

Send Safely

Follow these simple tips to ensure your money is sent safely

Know

Only use Zelle® to send money to friends, family and other people you trust.

Verify

Make sure your recipient's name, U.S. mobile phone number and email address are correct before sending money.

Be Aware

If a payment situation feels off, it probably is. Trust your gut and investigate.

Frequently Asked Questions

How do I enroll and use Zelle?

You can send, request or receive money with Zelle®.

To start using Zelle® at Kirkpatrick Bank, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by accessing our website and logging in to Online Banking. Locate the Payments tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access “Send Money With Zelle®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.

Note: Zelle® enrollment is not currently available through the mobile app; however, you will be able to access Zelle® with the mobile app once enrolled.

To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request." If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

How do I receive money that someone sent me with Zelle®?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:

Click on the link provided in the payment notification you received via email or text message.

Select .

Follow the instructions provided on the page to enroll and receive your payment.
Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle®using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call customer service at 866.262.2657 and ask them to move your email address or U.S. mobile phone number to Kirkpatrick Bank so you can use it for Zelle®.Once support moves your email address or U.S. mobile phone number, it will be connected to your account so you can start sending and receiving money with Zelle® through the mobile banking app and online banking. Please call customer service toll-free at 866.262.2657 for help.

Is my information secure?

Keeping your money and information safe is a top priority for Kirkpatrick Bank. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Who can I send money to with Zelle®?

Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your bank account to another person's bank account within minutes, 1 Zelle® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither Kirkpatrick Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I want to send money to someone whose financial institution doesn't offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle® here

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa®or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Can I use Zelle® internationally?

To use Zelle®, the sender and recipient's bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you know and trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please call customer service immediately at 868.262.2657

What are scheduled and recurring payments?

We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by Kirkpatrick Bank but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Are there any fees to send money using Zelle®?

No, Kirkpatrick Bank does not charge any fees to use Zelle®. Your mobile carrier's messaging and data rates may apply.

Are there any limits for sending and receiving money with Zelle®?

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine send limits, please call customer service at 866.262.2657.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

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