Personal Banking
Life can be complicated, but banking shouldn’t be.
From checking and savings to credit cards and personal, home, and auto loans, we’re here to help you keep things simple — no matter what life brings your way.

LOW RATES, NO ANNUAL FEES
CREDIT CARDS
Whether you’re just getting started with credit or looking for a personal card with rewards, Kendall Bank has the option for you.

CHECKING ACCOUNTS
BASIC CHECKING
✓ Unlimited Check Writing
✓ Free Online Banking
✓ Free Online Bill Pay
✓ Free MasterCard Debit Card
Minimum Opening Deposit: $100
Monthly Maintenance Fee: $0
INTEREST CHECKING
✓ Earns Interest*
✓ Unlimited Check Writing
✓ Free Online Banking
✓ Free Online Bill Pay
✓ Free MasterCard Debit Card
Minimum Opening Deposit: $100
Monthly Maintenance Fee: $5**
* Interest paid on average collected balance. Fees can reduce earnings. View current rates.
** Minimum balance required to waive maintenance fee is $1,000. Average collected balance to avoid maintenance fee is $2,000.
MONEY MARKET
✓ Earn Interest at Higher Rate Than Interest Checking*
✓ Free Online Banking
✓ 6 Free Debit Transactions Per Month
Minimum Opening Deposit: $100
Monthly Maintenance Fee: $12**
* Interest paid on average collected balance. Fees can reduce earnings. View current rates.
** Minimum balance required to waive maintenance fee is $1,000. Average collected balance to avoid maintenance fee is $2,000.
QUESTIONS? NEED HELP?
We are here to answer any questions you may have and help you get the best personal banking products and services.
For more information, call 913.839.3700 or contact:
JENNIFER STIRTON
Client Services
jstirton@kendallbank.com
(913)348-4784
KRISTINA ZITEK
Vice President – Northeast Kansas Market
kzitek@kendallbank.com
(785)945-3231

SAVINGS ACCOUNTS
Whether you’re just starting to save, building an emergency fund, or working toward a big purchase, Kendall Bank makes saving simple and easy.
REGULAR SAVINGS
✓ Interest Earning*
✓ Free Online and Mobile Banking
✓ Unlimited Deposits
✓ Six Monthly Withdrawals
✓ Email Statements
Minimum Opening Deposit: $100
Monthly Maintenance Fee: $5**
* Interest paid at market rate on average collected balance. Fees can reduce earnings. View current rates.
** Minimum balance required to waive maintenance fee is $500.
YOUTH SAVINGS
✓ No Monthly Fees
✓ Free Online and Mobile Banking
✓ Unlimited Deposits
✓ Six Monthly Withdrawals
✓ Email Statements
Minimum Opening Deposit: $10
CERTIFICATES OF DEPOSIT (CD)
A high-yield CD from Kendall Bank provides guaranteed returns and protection from market variability.
48-MONTH JUMP-UP CD*
Annual Percentage Yield: 2.53%
Minimum Balance: $10,000
Option to increase interest rate twice during initial term.
36-MONTH JUMP-UP CD*
Annual Percentage Yield: 2.27%
Minimum Balance: $10,000
Option to increase interest rate once during initial term.
Or lock in to one of these high-yield rate specials, with just a $1,000 minimum balance:
48-MONTH CD**
Annual Percentage Yield: 2.53%
Minimum Balance: $1,000
36-MONTH CD**
Annual Percentage Yield: 2.27%
Minimum Balance: $1,000
24-MONTH CD**
Annual Percentage Yield: 2.02%
Minimum Balance: $1,000
12-MONTH CD**
Annual Percentage Yield: 1.00%
Minimum Balance: $1,000
Annual Percentage Yield (APY) is accurate as of 07/08/2022 and subject to change at any time without notice.
* A penalty may be imposed for early withdrawal. Interest is compounded and credited monthly. This product offers a rate increase option, which allows you to increase the interest rate and Annual Percentage Yield (APY) on your JUMP-UP CD one time during the initial term of your CD for the 36-MONTH JUMP-UP CD and two times during the initial term for the 48-MONTH JUMP-UP CD. This option is at no cost to you. If you exercise your rate increase option: (1) the new interest rate and APY for the remaining term of your JUMP-UP CD will be the interest rate and APY Kendall Bank is offering on JUMP-UP CDs with the same term on the date you exercise your option. (2) If JUMP-UP CDs are no longer offered at the time you exercise your rate increase option, the new interest rate and APY for the remaining term of your JUMP-UP CD will be the interest rate and APY Kendall Bank is offering on 36-MONTH CD and the 48 MONTH CD, respectively; (3) the interest rate and APY will be effective as of the day you exercise your rate increase option; (4) the new interest rate and APY will only apply during the remaining term of your JUMP-UP CD (the changes to the interest rate and APY are not retroactive); and (5) the maturity date for your JUMP-UP CD will not change. It is your choice when you exercise the rate increase option; however, if you do not exercise the rate increase option during the initial term of your CD, it will expire at the end of the term. At the end of the term, the 36-MONTH JUMP UP CD will auto renew to the 36-MONTH CD and the 48-MONTH JUMP UP CD will auto renew to the 48-MONTH CD.
** A penalty may be imposed for early withdrawal. Interest is compounded and credited monthly.