|Online Banking Services Agreement||Click Here to view the Agreement|
|Regulation CC Funds Availability Disclosure||Click Here for the Funds Availability Disclosure|
|Regulation E Disclosure||Click Here for the Personal Consumer Disclosure|
|Deposit Account Disclosure||Click Here for our Deposit Account Disclosure|
|Bounce Protection Disclosure||Click Here for the Bounce Protection Disclosure|
|Consent to Conduct Electronic Transactions||Click Here for the Consent to Conduct Electronic Transactions|
|Credit Card Disclosures||Classic VISA/Classic MasterCard | VISA Gold/Gold MasterCard|
|Checking PLUS Account Disclosure||
Account Purpose: Consumer (Personal, Family, Household Purpose)
Rate Information: This account is an interest bearing account. Rates are as of August 8, 2012. Kansas State Bank may change the interest rate and APY at any time after the account is opened. Fees may reduce earnings.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $100 to open this account.
Account Fees: No service charges apply to this account.
ADDITIONAL RATE INFORMATION:
Accounts that do not meet "eligibility requirements."*
*"Eligibility requirements" per statement cycle** are:
**Statement Cycle--The Checking PLUS statement cycle cutoff date is the 5th of each month (or the first business day thereafter if the 5th falls on a weekend or holiday).
Additional features include:
- Bounce Protection privilege up to $500
|Protecting Children’s Privacy Online||
This site is not directed to individuals under the age of 13, and we request that these individuals do not provide Personal Information through this site. We do not knowingly collect information from children under 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.