Personal
Checking

Personal 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
No Fee Automatic Bill Payment
Overdraft Options Available (Ready Reserve)
Maintenance Fee waived when enrolled in online banking & eStatements
Monthly Service Charges Apply

SELECT
RELATIONSHIP REWARDS

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 –(Can be refunded with qualified transaction activity)
Monthly Maintenance Fee – (Waived when enrolled in online banking & eStatements)
Offers Competitive Variable Interest Rates* (Additional interest earned with qualified transactions)
New IMMF Cash Back Reward
New Loan Cash Back Reward
New Statement Savings Cash Back Rewards

*Interest Rates established periodically by Kalamazoo County State Bank

PLATINUM
RELATIONSHIP REWARDS

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- (Can be refunded with qualified transaction activity)
Monthly Maintenance Fee – (Waived when enrolled in online banking & eStatements)
Offers Competitive Variable Interest Rates* (Additional interest earned with qualified transactions)
New IMMF Cash Back Reward
New Loan Cash Back Reward

CLASSIC
RELATIONSHIP REWARDS

Minimum Opening Deposit: $25.00
Monthly Service Charge- (Can be refunded with qualified transaction activity)
Monthly Maintenance Fee – (Waived when enrolled in online banking & eStatements)
New Loan Cash Back Reward
New Statement Savings Cash Back Reward

IMMF – Money Market Account

Minimum opening deposit: $1,000.00
Minimum balance to avoid service charge: $1,000.00
Offers Competitive Variable Interest Rates*

Qualified Transactions to have Monthly Service Charge Refunded

- - Select – Qualifying Transactions
    - Refund Monthly Service Charge when TWO of these criteria is met during each statement cycle
      - 15 or more Debit Card/POS transactions
      - Minimum $500 in Direct Deposit
      - 1 or more ACH Debit(s)
      - Auto Loan Payment**
      - Greater than $100.00 Auto Transfer to Savings**
  - Platinum – Qualifying Transactions
    - Refund Monthly Service Charge when Relationship Balance requirement is met each statement cycle:
      - Relationship Balance requirement greater than $50,000.00 in aggregated deposit and loan balances with KCSB
  - Classic – Qualifying Transactions
    - Refund Monthly Service Charge when ONE of these criteria is met during each statement cycle:
      - 10 or more Debit Card/POS transactions
      - 1 or more Direct Deposit(s)
      - 1 or more ACH Debit(s)
      - Under the age of 23