Personal Checking

Account My Rewards Real Saver Free Regular Silver NOW Money Market
Minimum Deposit $25 $25 $25 $100 $50 $2,500 $2,500
Minimum Balance $0 $0 $0 $500 $0 $2,500 $2,500
Fees $0 $0 $0 $0* $0 $0* $0*
Overdraft Protection Opt.*   Opt.* Opt.* Opt.* Opt.*  
Interest Bearing YES YES NO NO NO YES YES
Free Check Imaging NO NO NO YES YES YES YES
Special Features Premium Interest Rate & ATM Refunds* Premium Interest Rate - Must have a My Rewards Account     Must be 62
 
  Premium Interest Rate*

 * See below for details - Account Opening Limited to Residents of Kansas and Missouri

Contact Us About Opening a Checking Account

  

My Rewards Checking

More Information & Apply Now


 

Real Saver

  • $25 to Open
  • No Minimum Balance
  • Must have a My Rewards Checking Account to open
  • Only One Real Saver per My Rewards Account
  • FREE Internet Banking
  • Online Statement Required

More Information & Apply Now

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Free Checking

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Regular Checking

  • $100 to Open
  • Service Charges Are Waived if You Maintain $500 Monthly Average Daily Balance
  • If Average Daily Balance Drops Below $500, Then $2/Month Plus $0.15/Debit Item Excluding ATM/Debit and ACH Transactions
  • Overdraft Protection
  • Check Image Statements
  • Online Statement Delivery Option
  • Bill Pay Available
  • FREE ATM/Debit Card
  • FREE Internet Banking

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Silver Checking

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NOW Checking

  • $2,500 to Open
  • Maintain a Minimum Average Daily Balance of $2,500 to Earn Interest
  • If Average Daily Balance Falls Below $2,500, Then the Following Charges Will Be Assessed:
    • $5/Month and $0.15/Debit Item Excluding ATM/Debit and ACH Transactions
  • Overdraft Protection
  • Check Image Statements
  • Online Statement Delivery Option
  • Bill Pay Available
  • FREE ATM/Debit Card
  • FREE Internet Banking

Contact Us


 

Money Market Account

  • $2,500 to Open
  • Maintain a Minimum Average Daily Balance of $2,500 to Earn Interest
  • If Average Daily Balance Falls Below $2,500, Then the Following Charges Will Be Assessed:
    • $8/Month
  • Limited to 6 Monthly Withdrawals
  • Check Image Statements
  • Online Statement Delivery Option
  • FREE Internet Banking

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Ready Reserve

Convert Your Good Credit to Cash

You’ve worked hard to build and maintain your good credit. Now you can enjoy the rewards of your efforts. Your success allows us to offer you a credit plan that you can bank on for convenience and cash.

Our Ready Reserve Means Financial Convenience

Our plan is designed to end checking account overdraft complications and charges. Overdraft protection means that we’ve approved, in advance, a personal unsecured loan to balance your account if you should overdraw. With our plan, you avoid costly overdraft charges and embarrassing delays. To enjoy the rewarding benefits of this plan, please click the Apply Now button below.

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E-Statements

E-Statements provide a convenient and secure way to obtain your monthly checking statement. When you sign up for our E-Statements, you will receive an email when your statement is available. After you receive the e-mail, you can login to your Internet Banking Account and view your statement. In order to sign up, just simply login to your Internet Banking Account and go to the User Services tab. Under Manage Account, you have the option to choose E-Statements as your statement delivery method.

Note: In order to use E-Statements, you must be a Union State Bank, Bank of Atchison, Bank of Gower or Bank of McLouth Internet Banking customer. If you are not an Internet Banking customer, please enroll to experience the convenience of E-Statements.