Disclosures

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 meet "eligibility requirements."*
   - The annual percentage yield for this tier will range from 1.90% to 0.50%, depending on the balance in the account
   - The interest rate for balances of $25,000 or less will be 1.88%
   - The interest rate for balances over $25,000 will be 0.50%

Accounts that do not meet "eligibility requirements."*
   - The interest rate for all balances is 0.25%. The annual percentage yield is 0.25%

*"Eligibility requirements" per statement cycle** are:
   1)  Access Online Banking or Mobile Banking at least once.
   2)  Have 10 (ten) Debit Card Point of Sale (POS) purchases post and clear your account.
   3)  Have one (1) Automated Clearing House (ACH) transaction (over $1.00) post and clear your account.
   4)  Receive E-Statements

**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
   - Unlimited check writing 
   - Check imaging
   - ATM refunds up to $25 per statement cycle** if "eligibility requirements"* are met.

     
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.

 

 

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