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Personal Checking Accounts


Premier Checking

A complete account that rewards you for maintaining a relationship with KleinBank.

  • $250 minimum to open
  • Minimum balance is $10,000 or $25,000 combined balances (includes consumer checking, savings, CDs, IRAs, and outstanding loan balances)¹
  • $25 monthly service charge if below minimum
  • Tiered, variable interest
  • Free Debit MasterCard®
  • Free ATM transactions at MoneyPass® ATMs
  • Free Online Bill Pay
  • Free eStatements, paper statements available
  • No annual fee for checking reserve²
  • Save on closing costs on a personal mortgage or refinance loan²
  • Reduction of .25% on new installment loan with auto pay ² ³
  • Free Official Checks (up to 3 per day)
  • Free specialty checks (two boxes per year) or $5 discount on checks through Deluxe

1) Excludes secondary market loans.

2) Subject to credit approval

3) Excludes Real Estate and Home Equity Loans/Lines.




Money Manager Checking

An account that gives you flexibility to add services.

  • $250 minimum to open
  • Minimum balance is $1,000 or $5,000 combined balances (includes consumer checking, savings, CDs, IRAs, and outstanding loan balances).¹ No minimum with 15 debit card purchases that post per statement cycle.
  • $15 monthly service charge if below minimum
  • Includes variable interest
  • Free Debit MasterCard
  • Free ATM transactions at MoneyPass® ATMs
  • Free Online Bill Pay
  • Free eStatements or $5/month for paper statements by mail
  • Reduction of .25% on new installment loan with auto pay ² ³
  • $5 discount on any choice of checks through Deluxe

1) Excludes Secondary Market Loans
2) Subject to credit approval
3) Excludes Real Estate and Home Equity Loans/Lines




Easy Checking

An easy-to-use account that offers popular options to access your money.

  • $50 minimum to open
  • No minimum balance
  • Monthly activity fee charge of $3.95 or none with qualified services¹
  • No interest
  • Free Debit MasterCard
  • Free ATM transactions at MoneyPass® ATMs
  • Free online bill pay
  • Free eStatements or $5/month for paper statements by mail

1) $3.95 monthly activity fee will be avoided by fulfilling one of the following criteria: (1) make 10 debit card purchases that post during your statement cycle (if you have a joint account, you only need to make a combined total of ten posted purchases), (2) maintain a $500 minimum balance, (3) make at least $250 in internal KleinBank automatic loan payments, or (4) make at least $250 in electronic credits or at least $250 in electronic debits, excluding debit card transactions, per statement cycle (Direct Deposit and electronic Bill Pay are examples of electronic credits and electronic debits).




Select Checking

For customers 50+ who need basic checking account options for day-to-day use.

  • $50 minimum to open
  • No minimum balance
  • No monthly service charge
  • Variable interest
  • Free Debit MasterCard
  • Free ATM transactions at MoneyPass® ATMs
  • Free Online Bill Pay
  • Free eStatements
  • Paper statement image $1.00 per month
  • $5 discount on checks through Deluxe



Student Checking

A spending account that gives young adults attending school (ages 13-25) easy access to their money with popular checking options. (Students under the age of 18 require a co-owner, age 18 or above.)

  • $25 minimum to open
  • Monthly activity fee charge of $3.95 or none with qualified services¹
    (Waived for students 18 and under).
  • Free Debit MasterCard
  • Free ATM transactions at MoneyPass® ATMs
  • Free Online Banking with Mobile Banking
  • Free App for iPhone/iPad available
  • Email Account Alerts
  • Free eStatements or $5/month for paper statements by mail
  • Unlimited Bill Pay
  • $10 discount on first order of checks through Deluxe
  • OOPS! We may waive one overdraft fee per 12-month period
  • Optional parental monitoring (through Online Banking)
  • Optional monthly transfers (parent can set up recurring transfers to Student Checking Account)
  • No minimum balance on Regular Savings with monthly recurring transfers of $25 or more from your Student Checking account

1) $3.95 monthly activity fee will be avoided by fulfilling one of the following criteria: (1) account holder is 18 years of age or younger, (2) make 10 debit card purchases that post during your statement cycle, or (3) maintain a $500 in combined daily balances (This includes consumer checking, savings, CDs, IRAs, and outstanding loan balances. This may also include balances held by a parent if they are a signer on your Student Checking account).





Managing Overdrafts

Everyone needs a little support sometimes. Our Overdraft Services can help you avoid life's little hangups and get you on your way to the next level of financial success.




Debit MasterCard

DEBIT CARD TURNED DOWN AT THE CHECKOUT?

Check out our options that help protect you.