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
RELATIONSHIP REWARDS CHECKING
Consumer Checking Accounts
With our Relationship Rewards Consumer Checking Accounts, you decide the type of account relationship and rewards that best fit your needs. Please contact a KCSB personal banker for details.
Features available to all Relationship Rewards Consumer Checking Accounts:
- MasterMoney Debit Card
- Internet Banking
- Online BillPay
- Telephone Banking
- Direct Deposit
- Unlimited Check Writing
- FDIC Insured
- No Fee Automatic Bill Payment
- Overdraft Options Available (Ready Reserve)
- No Maintenance Fee with online banking & E-statements
- Monthly Service Charges Apply
CLASSIC CHECKING
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Minimum Opening Deposit – $25.00
- Monthly Service Charge – (Refund can be earned with qualified transaction activity)
- Monthly Maintenance Fee – (Can be avoided with online banking & E-statements)
- New Loan Cash Back Reward
- New Savings Cash Back Reward
SELECT CHECKING
Select Checking account customers can receive a higher interest rate on the first $15,000.00 in account balance with qualified transaction activity.
- Minimum Opening Deposit – $50.00
- Monthly Service Charge – (Refund can be earned with qualified transaction activity)
- Monthly Maintenance Fee – (Can be avoided with online banking & E-statements)
- Market Based Variable Interest Rates* (Additional interest earned with qualified transactions)
- New IMMF Cash Back Reward
- New Loan Cash Back Reward
- New Savings Cash Back Reward
*Interest Rates established periodically by Kalamazoo County State Bank
PLATINUM CHECKING
Platinum Checking account customers can receive higher interest rates by choosing to maintain higher relationship balances as well as increased transaction activity.
- Minimum Opening Deposit – $100.00
- Monthly Service Charge – (Refund can be earned with qualified transaction activity)
- Monthly Maintenance Fee – (Can be avoided with online banking & E-statements)
- Market Based Variable Interest Rates* (additional interest earned with qualified transactions)
- New IMMF Cash Back Reward
- New Loan Cash Back Reward
*Interest Rates established periodically by Kalamazoo County State Bank
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
- No Maintenance Fee with online banking & e-statements
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
- *Interest Rates established periodically by Kalamazoo County State Bank
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!
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.
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/