Personal Banking with KCSB

Wherever your personal journey is leading you today, KCSB is here to guide your financial path. Whether you are just starting out in your life’s adventures or looking forward to downsizing, we can help with all your financial needs.

Click on any service below to read more:

CHECKING

ABC Checking Account

  • ATM/MasterMoney Debit Card
  • Telephone Banking
  • Check Safekeeping
  • Direct Deposit
  • Internet Banking
  • Online Billpay
  • Unlimited Check Writing
  • Minimum Opening Deposit – $25.00
  • FDIC Insured
  • No Fee Automatic Bill Payment
  • No Monthly Service Charge
  • No Minimum Balance Requirements

Senior Checking Account

  • ATM/MasterMoney Debit Card
  • Telephone Banking
  • Check Safekeeping
  • Direct Deposit
  • Sapphire Wallet style checks at no charge
  • Internet Banking
  • Online Billpay
  • FDIC Insured
  • No Fee Automatic Bill Payment
  • Minimum Opening Deposit – $50.00
  • No Service Charge

NOW Account

  • ATM/MasterMoney Debit Card
  • Telephone Banking
  • Check Safekeeping
  • Direct Deposit
  • Internet Banking
  • Online Billpay
  • Earns Interest*
  • FDIC Insured
  • No Fee Automatic Bill Payment
  • Minimum Opening Deposit – $500.00
  • Maintain Minimum Balance of $500 to Waive Monthly Service Charge
  • Monthly Service Charges Apply

IMMF – Money Market Account

  • Minimum opening deposit – $1,000.00
  • Minimum Balance to Avoid Service Charge – $1,000.00
  • Market Based Variable Interest Rates*
  • Telephone Banking
  • Direct Deposit
  • Check Safekeeping
  • Internet Banking
  • FDIC Insured
  • Limit Six (6) Withdrawals Per Statement Cycle**
  • Unlimited In-Person Withdrawals

*Interest Rates established periodically by Kalamazoo County State Bank
**Federal law permits only six withdrawals per statement period to another account or to third parties by check, draft, preauthorized, automatic, telephone or online transfer, or ATM card.  If you exceed six withdrawals per statement period, we may not allow the seventh and your account may be charged an Excess Transaction Fee.

SAVINGS

Statement Savings

  • $10.00 Minimum Deposit to Open
  • Market Based Variable Interest Rates*
  • ATM Card
  • Direct Deposit
  • Electronic Credits or Debits
  • Automatic Loan Payments
  • Maintain Minimum Balance of $200 to Waive Monthly Service Charge
  • Monthly Statement
  • Limit Six (6) Withdrawals Per Statement Cycle**

Christmas Club Savings

  • $1.00 Minimum Deposit to Open
  • Market Based Variable Interest Rates*
  • No Withdrawals Prior to Issuance of Christmas Club Checks

My Money Club

  • $10 Initial Deposit to Open
  • Market Based Variable Interest Rates*
  • No Minimum Balance Requirement Until Minor Turns Age 18
  • Parent/Guardian Must Open Account With Minor
  • Monthly Statement
  • Limit Six (6) Withdrawals Per Statement Cycle**

*Interest Rates established periodically by Kalamazoo County State Bank

**Federal law permits only six withdrawals per statement period to another account or to third parties by check, draft, preauthorized, automatic, telephone or online transfer, or ATM card.  If you exceed six withdrawals per statement period, we may not allow the seventh and your account may be charged an Excess Transaction Fee.

PERSONAL LOANS

Is there something that would improve your quality of life?  Kalamazoo County State Bank offers a wide variety of personal loans.

  • New or Used Cars/Trucks
  • Boats
  • Personal Recreation Vehicles
  • Personal Purpose Secured/Unsecured loans
  • Debt Consolidation
  • Home Improvement

Each Kalamazoo County State Bank branch is equipped to handle personal loan requests, so stop by or make an appointment to find out how we can help you get started on your personal loan today!

Make KCSB Loan Payment From Another Financial Institution

CDs & IRAs

Certificates of Deposit

  • Fixed Rates with terms from 32 days to 60 months
  • Minimum Deposit 32 Days to 90 Days-$2,500.00
  • Minimum Deposit 91 Days to 60 Months-$1,000.00
  • FDIC Insured
  • Competitive Interest Rates
  • Substantial Penalty For Early Withdrawal

Traditional and Roth IRAs*

  • All Contributions are Invested in a Bank Certificate of Deposit
  • Variable or Fixed Rates
  • Choice of Term to Maturity Before Renewal
  • Separately Insured Up to $250,000 by FDIC Coverage
  • Review Our IRA Comparison Chart and Contact Our IRA Department if You Have Any Further Questions or Wish to Establish an Account

*Please consult with your tax advisor

“We bank with KCSB because they offer local, professional, and friendly service.”

Dale Miller, Hardings Fresh Express

ADDITIONAL SERVICES

  • ATM/MasterMoney™ Debit Cards
  • Official Checks & Money Orders
  • Direct Deposit
  • Night Deposit
  • Automatic Loan Payments
  • Safe Deposit Boxes (Schoolcraft and Mattawan locations)
  • Wire Transfers

These personal services are tailored to meet the unique needs of individuals in our communities.  If you have any questions about these products, or want to open an account, please talk to one of our customer service representatives at any of our branch locations.  We look forward to working with you.

Download The KCSB App

 

Online Banking

Online Banking: Secure, Convenient Access

KCSB Online Banking provides the flexibility and convenience for you to securely manage your money online.

KCSB Online Banking helps you:

  • View balances & transactions
  • Transfer between accounts
  • Save time & money paying bills

Telephone Banking

CALL toll-free 1-866-527-2265

KCSBank by Phone is your 7-DAY / 24 HOUR banker. With KCSBank by phone you will have access to your account information.

Identity Theft

Protecting Your Good Name as Well as Your Money

Identity theft occurs when someone steals key pieces of personal information, which may include a name, address, date of birth, Social Security number, or mother’s maiden name, to gain access to a person’s financial accounts. Kalamazoo County State Bank wants you to be knowledgeable on how to protect your good name.

KCSB Credit Card

KCSB offers you a  Visa® Platinum credit card with hometown convenience, worldwide acceptance and much more.

  • Competitive Rates
  • Reward points for travel and merchandise
  • Fraud Monitoring and Zero Fraud Liability
  • 24/7 customer service located in the U.S.

* This card is issued by TCM Bank, N.A. Subject to credit approval.

“When our family moved here in 1997, we opened personal and business accounts with KCSB because it was a local bank that we could have a good working relationship with.  We have stayed with KCSB because it has been a wonderful working relationship with the resources and personal touch we desire.  And over the years the Bank has in turn partnered with our business.  Most importantly, we know they are there for us when a need arises, and we can depend on them.  Truly a “Local Community” bank where everyone knows your name, and we know theirs as well.”

Dan Hartlieb
On Purpose Branding
Visit them: http://www.onpurposebranding.com/