Personal Checking & Savings

EZ Checking

Who says nothing is free anymore? EZ Checking is totally free, and the additional services available with it will free your mind of any worry.

  • Minimum balance to open $50
  • No monthly maintenance fee
  • No per item fee
  • Electronic statement required

Basic Checking

It is good, it is solid, and it is basic. Enjoy this low cost account.

  • Minimum balance to open $50
  • No monthly maintenance fee with an average daily balance of $500 per statement cycle; otherwise, $4 maintenance fee
  • 25 free checks per statement cycle
  • Greater than 25 checks, $0.15 each check
  • No charge for ACH, Point of Sale, or Debit Card transactions
  • Paper or electronic statement

Hometown Checking

With Kerndt Brothers Bank being your bank, your community, and your family, it makes perfect sense to offer Hometown Checking. This account combines an affordable checking option with the benefits of accidental death insurance.

  • Minimum balance to open $50
  • Basic Plan $8/month $10,000 insurance
  • Personal Plan $9/month $20,000 insurance
  • Family Plan $10/month $40,000 insurance
    Includes $2,500 Dependent Children’s Coverage
  • No charge for ACH, Point of Sale, or Debit Card transactions

Interest Checking

If earning interest and enjoying additional benefits based on maintaining a higher balance is your goal, this checking service should be of great interest to you.

  • Minimum balance to open $50
  • Pays interest if $1,500 daily balance is maintained
  • Interest calculated on the daily balance method
  • Interest compounded and credited monthly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).
  • No monthly maintenance fee with an average daily balance of $1,500 per statement cycle; otherwise, $6 maintenance fee
  • 30 free checks per statement cycle
  • Greater than 30 checks, $0.15 each check
  • No charge for ACH, Point of Sale, or Debit Card transactions

Health Savings Account

The times require hard thinking on how to better manage health insurance costs. This account is designed to do that.

  • Minimum balance to open $1
  • Interest calculated on the daily balance method
  • Interest compounded and credited monthly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).
  • No charge for ACH, Point of Sale, or Debit Card transactions

Money Market Deposit Account

This account was created to reward those who maintain a larger balance with limited transactions.

  • Minimum balance to open $50
  • Pays interest if $1,000 daily balance is maintained
  • Interest calculated on the daily balance method
  • Interest compounded and credited monthly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for non-cash items (eg: checks)
  • No monthly maintenance fee with an average daily balance of $2,500 per statement cycle; otherwise, $6 maintenance fee
  • Limited to a total of 6 withdrawals or transfers by means of a preauthorized or automatic transfer, or telephone order, or by check, draft, debit card, or similar order within a four week statement cycle; otherwise, a $5 per item fee.

Savings Account

What you are saving your money for is your business, helping it to grow profitably and easily is ours.

  • Minimum balance to open $50
  • Interest calculated on the daily balance method
  • Interest compounded and credited monthly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).
  • Limited to a total of 6 withdrawals or transfers by means of a preauthorized or automatic transfer, or telephone order, or by check, draft, debit card, or similar order within a four week statement cycle; otherwise, a $5 per item fee.

Christmas Club

The holidays are a time for family. We created this account for those who want to save to make their holidays merrier and brighter.

  • Minimum balance to open $5
  • Interest calculated on the daily balance method
  • Interest compounded and credited monthly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).
  • $5 minimum/$50 maximum weekly deposit
  • Account balance will be paid out each October

Certificate of Deposit

Certificates of Deposit offer guaranteed rates with desired time frames.

  • Minimum balance to open $1,000
  • Interest calculated on the daily balance method
  • Interest compounded and credited quarterly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).

IRA

We believe that the vision is the promise of what shall one day be. How do you want things to be in your retirement years? Our IRA account helps you get there.

  • Interest calculated on the daily balance method
  • Interest compounded and credited quarterly
  • One year term, fixed or variable rate
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).

Coverdell Education Savings Account

This account was created to help pay for a child's qualified education expenses.

  • Interest calculated on the daily balance method
  • Interest compounded and credited quarterly
  • Interest on non-cash deposits will begin to accrue no later than the business day we receive credit for the non-cash items (eg: checks).
  • One year term, fixed rate