Free Personal Checking Accounts in Kansas City

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Features available with all accounts!

Online Banking
Online Bill Pay
e-Statements
Mobile Banking
Phone Bank Teller
VISA® Debit Cards
Direct Deposit
Credit Score, Monitoring, & Reports in Online & Mobile Banking

	Bonus Free Checking	SafeGuard Checking	SafeGuard+ Checking
Minimum Initial Deposit	$100	$100	$700
Minimum Balance	None	None	$700 minimum daily or $1200 average collected balance
Monthly Charge	None	$4.95	If drops below minimum balance, $5.95 maintenance fee
Free Special Member Checks	200 Free Checks Printed By The Bank	No	No
Unlimited Check Writing	Yes	Yes	$.30 per debit over 30 per statement cycle, if drops below minimum balance requirements
Interest Bearing	Earn interest with average collected balance of $500 or more	No	Yes
Additional Account Benefits	Four Foreign ATM surcharge reimbursements per statement cycle	Cellular Telephone ProtectionIDProtect®*(Registration/Activation Required) OPEN ACCOUNT	Cellular Telephone ProtectionIDProtect®* (Registration/Activation Required) OPEN ACCOUNT

*Accounts in minor's names will require an adult as a joint owner.

**Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by FDIC or an Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

***IDProtect® service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a "signer" on the account who is not an account owner. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Registration/Activation required.

Full terms and conditions are available at any of our branch locations.