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Checking Rate Trends

Kansas Best Checking Accounts & Rates September 2026

The best checking rates for Kansas include Baxter Credit UnionBaxter Credit Union6860 W 115th St, Overland Park, KS 66211 2457A5.0 ★Texas Ratio: 6.20% PowerPlusTM Checking at 8.00% APY, Alva State Bank & Trust CompanyAlva State Bank & Trust Company546 Main St, Kiowa, KS 67070A+5.0 ★Texas Ratio: 5.47% Free Heritage Cash Checking Account at 6.00% APY, ESB FinancialESB Financial801 Merchant St, Emporia, KS 66801A5.0 ★Texas Ratio: 13.44% Kasasa Cash Checking at 5.04% APY, Security State Bank Scott City, KSSecurity State Bank Scott City, KS110 West Avenue B, Syracuse, KS 67878A+5.0 ★Texas Ratio: 1.74% Interest Reward Checking at 5.00% APY, and Silver Lake BankSilver Lake Bank201 Nw Us Highway 24, Topeka, KS 66608A+5.0 ★Texas Ratio: 0.02% Kasasa Cash - Multi Level Enhanced Rewards Checking at 5.00% APY. Checking account rates as of September 21, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Kansas side-by-side. Kansas checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 6860 W 115th St, Overland Park, KS, 66211 2457. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Kansas. Checking Account Rates Last Updated and Verified: September 21, 2026

Compare Checking Account Rates Today in Kansas

Institutions:

Kansas Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6860 W 115th St
Overland Park, KS 66211 2457
PowerPlusTM Checking
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: up to $15,000.00

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking Account
6.00%
$100
Rate5.84%
Min Deposit$100
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH credit, or ACH payment transaction; Be enrolled in and agree to receive eStatements; Interest earning checking account. Refunds on ATM withdrawal fees, nationwide (up to $25 monthly). Daily balances over $25,000 earn an interest rate of 1.00% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 2.00% APY depending on the account's daily balance. APYs accurate as of June 2026.

ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
801 Merchant St
Emporia, KS 66801
Kasasa Cash Checking
5.04%
$300
Rate4.93%
Min Deposit$300
Min Balance
UpdatedSep 20, 2026
Details

Balance: 0 - $20,000

Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
110 West Avenue B
Syracuse, KS 67878
Interest Reward Checking
5.00%
$100
Rate4.89%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
201 Nw Us Highway 24
Topeka, KS 66608
Kasasa Cash - Multi Level Enhanced Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedSep 15, 2026
Details

Qualifications Required: Qualifications Required; 5.00% APY / 4.89% Rate on balances $0 - $25,000; Enhanced Rewards***

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Kasasa Cash Checking
4.50%
$100
Rate4.41%
Min Deposit$100
Min Balance
UpdatedSep 21, 2026
Details

Qualifications Required: Qualifications Required; 4.50% APY earned on balances up to $10,000.00; 1.00% APY earned on balances $10,000.01 and over.; Balance: 0 to $10,000

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1105 W Dennis Ave
Olathe, KS 66061
Kasasa Cash Checking
4.50%
$0
Rate4.41%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required; Balance: Up to $20,000

Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
610 SW 10th Ave
Topeka, KS 66612
Beyond Checking
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: up to $15,000.00; Bonus Tiers**; Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Free Kasasa Cash Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $50,000

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Kasasa Cash Checking
4.00%
$50
Rate3.93%
Min Deposit$50
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: Be enrolled and receive your monthly account statement electronically; At least 1 direct deposit or ACH payment; At least 25 debit card purchases; Balances up to $50,000 earn 4.00% APY; balances over $50,000 earn 1.67% APY. Refunds on ATM withdrawal fees, nationwide. Interest earned does not compound since it is automatically transferred to Kasasa Saver. APYs accurate as of 01/21/2026.

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
201 Nw Us Highway 24
Topeka, KS 66608
Kasasa Cash - Multi Level Principal Rewards Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 15, 2026
Details

Qualifications Required: Qualifications Required; 4.00% APY / 3.93% Rate on balances $0 - $25,000; Principal Rewards***

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6860 W 115th St
Overland Park, KS 66211 2457
PowerPlusTM Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $15,000.01 and over

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: >$100,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
3.15%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: $50,000-$99,999

Skyward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
4 Cessna Blvd
Wichita, KS 67215 1423
Aim Higher Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Interest Rate (on balances up to $10,000); Standard Interest Rate (on balances over $10,000); Low Interest Rate (accounts not meeting requirements)

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Plus checking
2.89%
$1,000
Rate2.85%
Min Deposit$1,000
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; When activity requirements met**; Balance: $0.01 to $100,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
2.69%
$0
Rate2.65%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: $25,000-$49,999

Peoples Bank and Trust Company (KS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
101 S Main St
Mcpherson, KS 67460
High Interest Checking
2.25%
$50
Rate2.23%
Min Deposit$50
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: 15 debit card purchases post and settle; enrolled and receive free monthly Web Statements; one direct deposit or automatic payment (ACH) post and settle; Interest paid monthly on collected daily balance. Nationwide ATM fee refunds up to $25. APYs accurate as 10/01/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Limit of one (1) account per Social Security Number (SSN). This account is not to be used for commercial purposes.

Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
802 Ames St
Baldwin City, KS 66006
Premier Checking
2.02%
$100
Rate2.01%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: Receive e-statements; Set up monthly direct deposit or ACH automatic payment; Complete 15 debit card transaction per statement cycle; You will earn 2.01% interest (2.02% APY) on average daily balance < = $19,999.99, then 0.20% for any balance > $19,999.99. Free e-Statement with online banking (or) $3.00 statement fee

Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
802 Ames St
Baldwin City, KS 66006
Premier Checking
2.01%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedSep 19, 2026
Details

Balance: $0 - $19,999.99

Kansas High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6860 W 115th St
Overland Park, KS 66211 2457
PowerPlusTM Checking
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: up to $15,000.00

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking Account
6.00%
$100
Rate5.84%
Min Deposit$100
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH credit, or ACH payment transaction; Be enrolled in and agree to receive eStatements; Interest earning checking account. Refunds on ATM withdrawal fees, nationwide (up to $25 monthly). Daily balances over $25,000 earn an interest rate of 1.00% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 2.00% APY depending on the account's daily balance. APYs accurate as of June 2026.

ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
801 Merchant St
Emporia, KS 66801
Kasasa Cash Checking
5.04%
$300
Rate4.93%
Min Deposit$300
Min Balance
UpdatedSep 20, 2026
Details

Balance: 0 - $20,000

Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
110 West Avenue B
Syracuse, KS 67878
Interest Reward Checking
5.00%
$100
Rate4.89%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
201 Nw Us Highway 24
Topeka, KS 66608
Kasasa Cash - Multi Level Enhanced Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedSep 15, 2026
Details

Qualifications Required: Qualifications Required; 5.00% APY / 4.89% Rate on balances $0 - $25,000; Enhanced Rewards***

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Kasasa Cash Checking
4.50%
$100
Rate4.41%
Min Deposit$100
Min Balance
UpdatedSep 21, 2026
Details

Qualifications Required: Qualifications Required; 4.50% APY earned on balances up to $10,000.00; 1.00% APY earned on balances $10,000.01 and over.; Balance: 0 to $10,000

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1105 W Dennis Ave
Olathe, KS 66061
Kasasa Cash Checking
4.50%
$0
Rate4.41%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required; Balance: Up to $20,000

Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
610 SW 10th Ave
Topeka, KS 66612
Beyond Checking
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: up to $15,000.00; Bonus Tiers**; Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Free Kasasa Cash Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $50,000

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Kasasa Cash Checking
4.00%
$50
Rate3.93%
Min Deposit$50
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: Be enrolled and receive your monthly account statement electronically; At least 1 direct deposit or ACH payment; At least 25 debit card purchases; Balances up to $50,000 earn 4.00% APY; balances over $50,000 earn 1.67% APY. Refunds on ATM withdrawal fees, nationwide. Interest earned does not compound since it is automatically transferred to Kasasa Saver. APYs accurate as of 01/21/2026.

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
201 Nw Us Highway 24
Topeka, KS 66608
Kasasa Cash - Multi Level Principal Rewards Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 15, 2026
Details

Qualifications Required: Qualifications Required; 4.00% APY / 3.93% Rate on balances $0 - $25,000; Principal Rewards***

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6860 W 115th St
Overland Park, KS 66211 2457
PowerPlusTM Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $15,000.01 and over

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: >$100,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
3.15%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: $50,000-$99,999

Skyward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
4 Cessna Blvd
Wichita, KS 67215 1423
Aim Higher Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Interest Rate (on balances up to $10,000); Standard Interest Rate (on balances over $10,000); Low Interest Rate (accounts not meeting requirements)

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Plus checking
2.89%
$1,000
Rate2.85%
Min Deposit$1,000
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; When activity requirements met**; Balance: $0.01 to $100,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
2.69%
$0
Rate2.65%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: $25,000-$49,999

Peoples Bank and Trust Company (KS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
101 S Main St
Mcpherson, KS 67460
High Interest Checking
2.25%
$50
Rate2.23%
Min Deposit$50
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: 15 debit card purchases post and settle; enrolled and receive free monthly Web Statements; one direct deposit or automatic payment (ACH) post and settle; Interest paid monthly on collected daily balance. Nationwide ATM fee refunds up to $25. APYs accurate as 10/01/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Limit of one (1) account per Social Security Number (SSN). This account is not to be used for commercial purposes.

Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
802 Ames St
Baldwin City, KS 66006
Premier Checking
2.02%
$100
Rate2.01%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: Receive e-statements; Set up monthly direct deposit or ACH automatic payment; Complete 15 debit card transaction per statement cycle; You will earn 2.01% interest (2.02% APY) on average daily balance < = $19,999.99, then 0.20% for any balance > $19,999.99. Free e-Statement with online banking (or) $3.00 statement fee

Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
802 Ames St
Baldwin City, KS 66006
Premier Checking
2.01%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedSep 19, 2026
Details

Balance: $0 - $19,999.99

Kansas Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
801 Merchant St
Emporia, KS 66801
Kasasa Cash Checking
5.04%
$300
Rate4.93%
Min Deposit$300
Min Balance
UpdatedSep 20, 2026
Details

Balance: 0 - $20,000

Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
110 West Avenue B
Syracuse, KS 67878
Interest Reward Checking
5.00%
$100
Rate4.89%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
201 Nw Us Highway 24
Topeka, KS 66608
Kasasa Cash - Multi Level Enhanced Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedSep 15, 2026
Details

Qualifications Required: Qualifications Required; 5.00% APY / 4.89% Rate on balances $0 - $25,000; Enhanced Rewards***

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Kasasa Cash Checking
4.50%
$100
Rate4.41%
Min Deposit$100
Min Balance
UpdatedSep 21, 2026
Details

Qualifications Required: Qualifications Required; 4.50% APY earned on balances up to $10,000.00; 1.00% APY earned on balances $10,000.01 and over.; Balance: 0 to $10,000

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1105 W Dennis Ave
Olathe, KS 66061
Kasasa Cash Checking
4.50%
$0
Rate4.41%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required; Balance: Up to $20,000

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Free Kasasa Cash Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $50,000

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Kasasa Cash Checking
4.00%
$50
Rate3.93%
Min Deposit$50
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: Be enrolled and receive your monthly account statement electronically; At least 1 direct deposit or ACH payment; At least 25 debit card purchases; Balances up to $50,000 earn 4.00% APY; balances over $50,000 earn 1.67% APY. Refunds on ATM withdrawal fees, nationwide. Interest earned does not compound since it is automatically transferred to Kasasa Saver. APYs accurate as of 01/21/2026.

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
201 Nw Us Highway 24
Topeka, KS 66608
Kasasa Cash - Multi Level Principal Rewards Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 15, 2026
Details

Qualifications Required: Qualifications Required; 4.00% APY / 3.93% Rate on balances $0 - $25,000; Principal Rewards***

Bank of the Flint Hills
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
806 5th St
Wamego, KS 66547
Kasasa Cash Checking
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: 1.98% on daily balances up to $15,000; 0.25% on portion of daily balance above $15,000; Balance: $0.01 - $15,000.00; Additional Checking Accounts Interest Rates are subject to change without notice. Any application fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Additional terms and rates are available. Please speak with a Bank of the Flint Hills Representative to learn more.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Kasasa Cash Checking
1.00%
$100
Rate0.99%
Min Deposit$100
Min Balance
UpdatedSep 21, 2026
Details

Balance: $10,000+

Premier Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
610 E Cloud Ave
Andover, KS 67002 8952
Premium Perks Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Union State Bank of Everest
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
117 S Union St
Mc Louth, KS 66054
My Rewards Checking
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 19, 2026
Details

Balance: over $25,000; Qualifications Required; 0.05% APY when qualifications are not met

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1105 W Dennis Ave
Olathe, KS 66061
Kasasa Cash Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: $20,000+

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Free Kasasa Cash Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications not met

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Kasasa Cash Checking
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedSep 20, 2026
Details

When qualifications are not met, the interest rate earned on your entire daily balance will be 0.05%. APYs accurate as of 01/21/2026.

ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
801 Merchant St
Emporia, KS 66801
Kasasa Cash Checking
0.05%
$300
Rate0.05%
Min Deposit$300
Min Balance
UpdatedSep 20, 2026
Details

All balances if qualifications not met

Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
1100 E 27th St
Hays, KS 67601
Rewards Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 19, 2026
Details

Qualifications Required: If you do NOT meet the monthly statement cycle requirements; Balance: No minimum; If you do NOT meet the monthly statement cycle requirements

Union State Bank of Everest
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
117 S Union St
Mc Louth, KS 66054
My Rewards Checking
0.05%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedSep 19, 2026
Details

If qualifications are not met. All Balances will earn 0.50%-3.00% APY if qualifications are met. The advertised My Rewards Checking APY is based on compounding interest. The interest earned in My Rewards Checking is automatically transferred to Real Saver each statement cycle and does not compound. The actual interest paid may be less than the advertised APYs.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Kasasa Cash Checking
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedSep 21, 2026
Details

All balances if qualifications not met

Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
110 West Avenue B
Syracuse, KS 67878
Interest Reward Checking
0.01%
$100
Rate0.01%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

All balances if earnings are not met

Kansas Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking Account
6.00%
$100
Rate5.84%
Min Deposit$100
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH credit, or ACH payment transaction; Be enrolled in and agree to receive eStatements; Interest earning checking account. Refunds on ATM withdrawal fees, nationwide (up to $25 monthly). Daily balances over $25,000 earn an interest rate of 1.00% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 2.00% APY depending on the account's daily balance. APYs accurate as of June 2026.

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Free Kasasa Cash Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $50,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: >$100,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
3.15%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: $50,000-$99,999

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Plus checking
2.89%
$1,000
Rate2.85%
Min Deposit$1,000
Min Balance
UpdatedSep 18, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; When activity requirements met**; Balance: $0.01 to $100,000

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking
2.69%
$0
Rate2.65%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Balance: $25,000-$49,999

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Plus checking
0.83%
$1,000
Rate0.60%
Min Deposit$1,000
Min Balance
UpdatedSep 18, 2026
Details

Published APY range: 0.83%-2.89%. Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; When activity requirements met**; Balance: Over $100,000

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Platinum checking
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: $25,000 and over

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Platinum checking
0.36%
$0
Rate0.36%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: $10,000 to $24,999.99

Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4960 E 21st St N
Wichita, KS 67208
Free Checking
0.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 21, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Platinum checking
0.26%
$0
Rate0.26%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: $5,000 to $9,999.99

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Freedom Youth Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Platinum checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: $100 to $4,999.99

Alva State Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
546 Main St
Kiowa, KS 67070
Free Heritage Cash Checking Account
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedSep 20, 2026
Details

If qualifications aren't met, your account is still free. You'll still earn our base rate, and you can get right back to earning your full rewards the very next cycle that you qualify. ATM withdrawal fees are not refunded. APYs accurate as of June 2026.

The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
104 S Main St
Tescott, KS 67484
Free Kasasa Cash Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedSep 20, 2026
Details

Qualifications not met

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
309 Oak St
Bonner Springs, KS 66012
Simply Free Plus checking
0.05%
$1,000
Rate0.05%
Min Deposit$1,000
Min Balance
UpdatedSep 18, 2026
Details

When activity requirements not met**; Balance: $0.01 or more

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
4150 Kansas Ave
Kansas City, KS 66106
Best Free Checking
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Balance: $2,500.00 +

Kansas Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
8404 W Kellogg Dr
Wichita, KS 67209 1845
FirstStep Youth Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Freedom Youth Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Preferred Youth Checking Account
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Ark Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1515 N Summit St
Arkansas City, KS 67005
Student Checking Account
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedSep 18, 2026
Details

Age 13-21; $25.00 minimum opening balance; NO service charge; Minimum balance of $1,000 to earn dividends

Kansas Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
122 W Main St
Mulvane, KS 67110
Business e-Checking Business
0.75%
$100
Rate0.75%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

Balance: up to $25,000

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
20 S Mission St
Council Grove, KS 66846
Business Interest Checking Business
0.60%
$100
Rate0.60%
Min Deposit$100
Min Balance
UpdatedSep 18, 2026
Details

All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
20 S Mission St
Council Grove, KS 66846
Business Interest Checking Business
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedSep 18, 2026
Details

All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.

TriCentury Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
33485 Lexington Ave
De Soto, KS 66018
Premier Business Checking Business
0.50%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedSep 14, 2026
Details

In Branch Only*

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Business e-Checking Business
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Paid monthly; Balance: $0 to $1,000

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
6800 College Blvd
Leawood, KS 66211
Business NOW Checking Business
0.40%
$100
Rate0.40%
Min Deposit$100
Min Balance
UpdatedSep 19, 2026
Details

No additional details provided.

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
20 S Mission St
Council Grove, KS 66846
Business Interest Checking Business
0.40%
$100
Rate0.40%
Min Deposit$100
Min Balance
UpdatedSep 18, 2026
Details

All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Premier Plus Business Checking Business
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedSep 21, 2026
Details

Balance: $100,000+

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
3626 SW Wanamaker Rd
Topeka, KS 66614 4528
Premier Plus Business Checking Business
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedSep 21, 2026
Details

Balance: $50,000 - $99,999

Grant County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.01%
201 S Main St
Ulysses, KS 67880
Classic Business Checking Business
0.25%
$100
Rate0.25%
Min Deposit$100
Min Balance
UpdatedSep 14, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6860 W 115th St
Overland Park, KS 66211 2457
Business Checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

APY; Dividend Rate

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6860 W 115th St
Overland Park, KS 66211 2457
Premier Business Checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
802 Ames St
Baldwin City, KS 66006
Business Checking Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedSep 19, 2026
Details

Balance: $20,000+

Grant County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.01%
201 S Main St
Ulysses, KS 67880
Classic Business Checking Business
0.20%
$100
Rate0.20%
Min Deposit$100
Min Balance
UpdatedSep 14, 2026
Details

No additional details provided.

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1105 W Dennis Ave
Olathe, KS 66061
Business Checking Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

n/a

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Business e-Checking Business
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

Paid monthly; Balance: above $1,000

Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
1100 E 27th St
Hays, KS 67601
Advantage Business Checking Business
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedSep 19, 2026
Details

Balance: No minimum

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
20 S Mission St
Council Grove, KS 66846
Business Interest Checking Business
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedSep 18, 2026
Details

All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.

Grant County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.01%
201 S Main St
Ulysses, KS 67880
Classic Business Checking Business
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedSep 14, 2026
Details

No additional details provided.

Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
610 SW 10th Ave
Topeka, KS 66612
Business Forward Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedSep 18, 2026
Details

No additional details provided.

Kansas Checking Rate Trends

Compare local Kansas checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Kansas Checking Trends
High-Yield Checking KS Avg
1.682%
▼ 0.191 vs 7 days ago

Kansas high-yield checking rates fell 0.191 points over the past 7 days to 1.682% APY.

Free Checking KS Avg
0.820%
▼ 0.041 vs 7 days ago

Kansas free checking rates fell 0.041 points over the past 7 days to 0.820% APY.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Kansas Checking Rate Forecast, Next 12 Months

Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Kansas figures.

Current High-Yield Avg
1.68%
APY, as of Sep 22, 2026
6-Month Forecast
1.73%
Fed hold assumed
12-Month Forecast
1.78%
Range: 1.53% to 1.98%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60–90 days. Reward and high-yield checking adjust faster than standard accounts.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Top Checking Rates from Kansas Institutions

Highest verified APYs available today, updated September 21, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Alva State Bank & Trust Company
Free Heritage Cash Checking Account
A+ 5.0 ★ TX: 5.47%
Min: $100
6.00%
ESB Financial
Kasasa Cash Checking
A 5.0 ★ TX: 13.44%
Min: $300
5.04%
Security State Bank Scott City, KS
Interest Reward Checking
A+ 5.0 ★ TX: 1.74%
Min: $100
5.00%
Silver Lake Bank
Kasasa Cash - Multi Level Enhanced Rewards Checking
A+ 5.0 ★ TX: 0.02%
Min: $0
5.00%
The Bank of Tescott
Free Kasasa Cash Checking
A+ 5.0 ★ TX: 0.62%
Min: $0
4.00%
CU Top 5 Credit Union Rates
Baxter Credit Union
PowerPlusTM Checking
A 5.0 ★ TX: 6.20%
Min: $0
8.00%
Envista Federal Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 2.04%
Min: $100
4.50%
United Consumers Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 4.05%
Min: $0
4.50%
Azura Credit Union
Beyond Checking
A+ 5.0 ★ TX: 4.93%
Min: $0
4.07%
Skyward Credit Union
Aim Higher Checking
A+ 5.0 ★ TX: 4.13%
Min: $0
3.00%
Rates verified September 21, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.

What Your Balance Earns at KS Checking Averages

Annual interest earnings at current Kansas average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.

Balance High-Yield Checking (1.682% APY)Monthly Earnings Free Checking (0.820% APY)Monthly Earnings
$2,500 $42.06 / year $3.51 $20.49 / year $1.71
$5,000 $84.11 / year $7.01 $40.98 / year $3.41
$10,000 $168.22 / year $14.02 $81.96 / year $6.83
$25,000 $420.55 / year $35.05 $204.90 / year $17.08
Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Kansas checking rate averages as of September 22, 2026.
40
Institutions with Checking Rates
Available in Kansas
22 Banks 18 Credit Unions

About Our Kansas Checking Rate Database

MonitorBankRates tracks checking account rates from 22 banks and 18 credit unions offering checking accounts to Kansas residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Baxter Credit Union offers a checking account at 8.00% APY. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Kansas

What to compare when shopping for an interest-bearing checking account in Kansas

To find the best checking APYs in Kansas, start with credit unions and online-only banks: Kansas has 18 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.

Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10–15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000–$25,000. The current KS high-yield checking average is 1.682% but top institutions serving Kansas are offering as high as 8.00%, so shopping around pays off.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement.

When High-Yield Checking Makes Sense

  • You already use a debit card regularly: the transaction requirements cost you nothing extra
  • Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
  • You want your spending money earning savings-level interest instead of 0%
  • You prefer banking locally: 40 institutions serving Kansas report checking rates to our database

Consider an Alternative If…

  • Your balance is well above the rate cap: Kansas savings rates or money market rates for the excess
  • You won’t reliably meet the monthly activity requirements: a no-strings high-yield savings account earns more
  • You have money you won’t touch for a set period: Kansas CD rates lock in a guaranteed return

Kansas Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau

Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$43,089
National avg: $47,340
Poverty Rate
11.3%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
Checking Earnings on 10% of Salary
$72/yr
At KS HY checking avg 1.682% APY

At today’s KS high-yield checking average of 1.682%, keeping 10% of the local median salary ($4,308) in a high-yield checking account would earn $72 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

High-Yield Checking vs. Other Kansas Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Kansas.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current KS Avg APY 1.682% 0.820% View Savings Rates View MMA Rates
Monthly Activity Required Usually yes (debit + direct deposit) None None None
Balance Cap on Top Rate Common ($10K–$25K) Little or no interest paid Rarely Tiered: higher balances earn more
FDIC / NCUA Insured Up to $250K Up to $250K Up to $250K Up to $250K
Checks & Debit Card Unlimited Unlimited No Limited per month
Best For Everyday spending money that also earns Simple no-fee banking, modest balances Emergency fund, larger balances Larger balances wanting some check access

APY data reflects Kansas averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Kansas Checking Account Interest Calculator

See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current Kansas rate on the right to apply it. Interest compounds monthly.

Interest Earned
$0
Balance Earning Top Rate
$0
Ending Balance
$0

Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.

Current Kansas Checking Rates

Verified September 21, 2026 · click a rate to use it
Rates shown are actual verified offers available in Kansas and daily averages from our monitoring database. Check each account’s qualifying requirements and rate cap, then model them here. See the full tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kansas checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Kansas directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Kansas. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in KS.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Kansas earn interest?

Most traditional local checking accounts in Kansas earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Kansas FDIC insured?

Yes. Legitimate banks with branches in Kansas are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

What do I need to do to qualify for a high-yield checking rate in Kansas?

Most high-yield and rewards checking accounts require qualifying activity each month, typically 10–15 debit card transactions, at least one direct deposit or ACH transfer, and e-statement enrollment. Miss the requirements in a given month and the account usually pays a nominal base rate for that cycle instead of the advertised APY.

Is there a limit on how much of my balance earns the top rate?

Usually, yes. Most high-yield checking accounts pay their advertised APY only on balances up to a cap, commonly $10,000 to $25,000. Amounts above the cap earn a much lower rate, often near 0%. Use the calculator above to model your exact balance against a rate cap.

How do I open a checking account in Kansas?

You can open a checking account online or in person at a local branch. You will generally need a government-issued photo ID, your Social Security number, and an opening deposit. Many high-yield checking accounts have low or no minimum opening deposits.

Best Checking Rates in Kansas

Based on our current data, some of the highest checking account APYs available to residents of Kansas include:
  • Baxter Credit Union
    PowerPlusTM Checking: 8.00% APY
  • Alva State Bank & Trust Company
    Free Heritage Cash Checking Account: 6.00% APY
  • ESB Financial
    Kasasa Cash Checking: 5.04% APY
  • Security State Bank Scott City, KS
    Interest Reward Checking: 5.00% APY
  • Silver Lake Bank
    Kasasa Cash - Multi Level Enhanced Rewards Checking: 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kansas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: September 21, 2026

Kansas Rates & Resources

Checking Account Rates by City in Kansas

  • Abbyville
  • Abilene
  • Admire
  • Agenda
  • Agra
  • Albert
  • Alden
  • Alexander
  • Allen
  • Alma
  • Almena
  • Alta Vista
  • Altamont
  • Alton
  • Altoona
  • Americus
  • Andale
  • Andover
  • Anthony
  • Arcadia
  • Argonia
  • Arkansas City
  • Arlington
  • Arma
  • Arnold
  • Ashland
  • Assaria
  • Atchison
  • Athol
  • Atlanta
  • Attica
  • Atwood
  • Auburn
  • Augusta
  • Aurora
  • Axtell
  • Baileyville
  • Baldwin City
  • Barnard
  • Barnes
  • Bartlett
  • Basehor
  • Baxter Springs
  • Bazine
  • Beattie
  • Beaumont
  • Beeler
  • Belle Plaine
  • Belleville
  • Beloit
  • Belpre
  • Belvue
  • Bendena
  • Benedict
  • Bennington
  • Bentley
  • Benton
  • Bern
  • Berryton
  • Beverly
  • Bird City
  • Bison
  • Bloom
  • Blue Mound
  • Blue Rapids
  • Bluff City
  • Bogue
  • Bonner Springs
  • Bremen
  • Brewster
  • Bronson
  • Brookville
  • Brownell
  • Bucklin
  • Bucyrus
  • Buffalo
  • Buhler
  • Bunker Hill
  • Burden
  • Burdett
  • Burdick
  • Burlingame
  • Burlington
  • Burns
  • Burr Oak
  • Burrton
  • Bushton
  • Byers
  • Caldwell
  • Cambridge
  • Caney
  • Canton
  • Carbondale
  • Cassoday
  • Catharine
  • Cawker City
  • Cedar
  • Cedar Point
  • Cedar Vale
  • Centerville
  • Centralia
  • Chanute
  • Chapman
  • Chase
  • Chautauqua
  • Cheney
  • Cherokee
  • Cherryvale
  • Chetopa
  • Cimarron
  • Circleville
  • Claflin
  • Clay Center
  • Clayton
  • Clearview City
  • Clearwater
  • Clifton
  • Clyde
  • Coats
  • Coffeyville
  • Colby
  • Coldwater
  • Colfax
  • Collyer
  • Colony
  • Columbus
  • Colwich
  • Concordia
  • Conway Springs
  • Coolidge
  • Copeland
  • Corning
  • Cottonwood Falls
  • Council Grove
  • Courtland
  • Coyville
  • Crestline
  • Cuba
  • Cummings
  • Cunningham
  • Damar
  • Danville
  • De Soto
  • Dearing
  • Deerfield
  • Delia
  • Delphos
  • Denison
  • Dennis
  • Denton
  • Derby
  • Dexter
  • Dighton
  • Dodge City
  • Dorrance
  • Douglass
  • Dover
  • Downs
  • Dresden
  • Durham
  • Dwight
  • Easton
  • Edgerton
  • Edna
  • Edson
  • Edwardsville
  • Effingham
  • El Dorado
  • Elbing
  • Elk City
  • Elk Falls
  • Elkhart
  • Ellinwood
  • Ellis
  • Ellsworth
  • Elmdale
  • Elsmore
  • Elwood
  • Emmett
  • Emporia
  • Englewood
  • Ensign
  • Enterprise
  • Erie
  • Esbon
  • Eskridge
  • Eudora
  • Eureka
  • Everest
  • Fairview
  • Fall River
  • Falun
  • Farlington
  • Florence
  • Fontana
  • Ford
  • Formoso
  • Fort Leavenworth
  • Fort Riley
  • Fort Scott
  • Fostoria
  • Fowler
  • Frankfort
  • Franklin
  • Fredonia
  • Freeport
  • Frontenac
  • Fulton
  • Galena
  • Galesburg
  • Galva
  • Garden City
  • Garden Plain
  • Gardner
  • Garfield
  • Garnett
  • Gas
  • Gaylord
  • Gem
  • Geneseo
  • Geuda Springs
  • Girard
  • Glade
  • Glasco
  • Glen Elder
  • Goddard
  • Goessel
  • Goff
  • Goodland
  • Gorham
  • Gove
  • Grainfield
  • Grantville
  • Great Bend
  • Greeley
  • Green
  • Greenleaf
  • Greensburg
  • Greenwich
  • Grenola
  • Gridley
  • Grinnell
  • Gypsum
  • Haddam
  • Halstead
  • Hamilton
  • Hanover
  • Hanston
  • Hardtner
  • Harper
  • Hartford
  • Harveyville
  • Havana
  • Haven
  • Havensville
  • Haviland
  • Hays
  • Haysville
  • Hazelton
  • Healy
  • Hepler
  • Herington
  • Herndon
  • Hesston
  • Hiawatha
  • Highland
  • Hill City
  • Hillsboro
  • Hillsdale
  • Hoisington
  • Holcomb
  • Hollenberg
  • Holton
  • Holyrood
  • Home
  • Hope
  • Horton
  • Howard
  • Hoxie
  • Hoyt
  • Hudson
  • Hugoton
  • Humboldt
  • Hunter
  • Hutchinson
  • Independence
  • Ingalls
  • Inman
  • Iola
  • Isabel
  • Iuka
  • Jamestown
  • Jennings
  • Jetmore
  • Jewell
  • Johnson
  • Junction City
  • Kanopolis
  • Kanorado
  • Kansas City
  • Kechi
  • Kendall
  • Kensington
  • Kincaid
  • Kingman
  • Kinsley
  • Kiowa
  • Kirwin
  • Kismet
  • La Crosse
  • La Cygne
  • La Harpe
  • Lake City
  • Lakin
  • Lamont
  • Lancaster
  • Lane
  • Lansing
  • Larned
  • Latham
  • Lawrence
  • Le Roy
  • Leavenworth
  • Lebanon
  • Lebo
  • Lecompton
  • Lehigh
  • Lenora
  • Leon
  • Leonardville
  • Leoti
  • Levant
  • Lewis
  • Liberal
  • Liberty
  • Liebenthal
  • Lincoln
  • Lincolnville
  • Lindsborg
  • Linn
  • Linwood
  • Little River
  • Logan
  • Long Island
  • Longford
  • Longton
  • Lorraine
  • Lost Springs
  • Louisburg
  • Louisville
  • Lucas
  • Ludell
  • Luray
  • Lyndon
  • Lyons
  • Macksville
  • Madison
  • Mahaska
  • Maize
  • Manhattan
  • Mankato
  • Manter
  • Maple City
  • Maple Hill
  • Mapleton
  • Marienthal
  • Marion
  • Marquette
  • Marysville
  • Matfield Green
  • Mayetta
  • Mayfield
  • McConnell A F B
  • McCracken
  • McCune
  • McDonald
  • McFarland
  • McLouth
  • Mcpherson
  • Meade
  • Medicine Lodge
  • Melvern
  • Meriden
  • Milan
  • Milford
  • Milton
  • Miltonvale
  • Minneapolis
  • Minneola
  • Moline
  • Montezuma
  • Monument
  • Moran
  • Morganville
  • Morland
  • Morrill
  • Morrowville
  • Moscow
  • Mound City
  • Mound Valley
  • Moundridge
  • Mount Hope
  • Mulberry
  • Mullinville
  • Mulvane
  • Munden
  • Murdock
  • Muscotah
  • Narka
  • Nashville
  • Natoma
  • Neal
  • Nekoma
  • Neodesha
  • Neosho Falls
  • Neosho Rapids
  • Ness City
  • Netawaka
  • New Albany
  • New Cambria
  • New Century
  • Newton
  • Nickerson
  • Ninnescah
  • Niotaze
  • Norcatur
  • North Newton
  • Norton
  • Nortonville
  • Norway
  • Norwich
  • Oakley
  • Oberlin
  • Offerle
  • Ogallah
  • Ogden
  • Oketo
  • Olathe
  • Olmitz
  • Olpe
  • Olsburg
  • Onaga
  • Oneida
  • Opolis
  • Osage City
  • Osawatomie
  • Osborne
  • Oskaloosa
  • Oswego
  • Otis
  • Ottawa
  • Overbrook
  • Oxford
  • Ozawkie
  • Palco
  • Palmer
  • Paola
  • Paradise
  • Park
  • Parker
  • Parsons
  • Partridge
  • Pawnee Rock
  • Paxico
  • Peabody
  • Peck
  • Penokee
  • Perry
  • Peru
  • Pfeifer
  • Phillipsburg
  • Piedmont
  • Pierceville
  • Piqua
  • Pittsburg
  • Plains
  • Plainville
  • Pleasanton
  • Plevna
  • Pomona
  • Portis
  • Potter
  • Potwin
  • Powhattan
  • Prairie View
  • Pratt
  • Prescott
  • Pretty Prairie
  • Princeton
  • Protection
  • Quenemo
  • Quinter
  • Rago
  • Ramona
  • Randall
  • Randolph
  • Ransom
  • Rantoul
  • Raymond
  • Reading
  • Redfield
  • Republic
  • Rexford
  • Richfield
  • Richland
  • Richmond
  • Riley
  • Riverton
  • Robinson
  • Rock
  • Rolla
  • Rosalia
  • Rose Hill
  • Ross
  • Rossville
  • Roxbury
  • Rozel
  • Rush Center
  • Russell
  • Sabetha
  • Saint Francis
  • Saint George
  • Saint John
  • Saint Marys
  • Saint Paul
  • Salina
  • Satanta
  • Savonburg
  • Sawyer
  • Scammon
  • Scandia
  • Schoenchen
  • Scott City
  • Scranton
  • Sedan
  • Sedgwick
  • Selden
  • Seneca
  • Severy
  • Sharon
  • Sharon Springs
  • Shawnee Mission
  • Silver Lake
  • Simpson
  • Smith Center
  • Smolan
  • Sodville
  • Soldier
  • Solomon
  • South Haven
  • South Hutchinson
  • Spearville
  • Spivey
  • Spring Hill
  • St. George
  • Stafford
  • Stark
  • Sterling
  • Stilwell
  • Stockton
  • Strong City
  • Stuttgart
  • Sublette
  • Summerfield
  • Sun City
  • Sycamore
  • Sylvan Grove
  • Sylvia
  • Syracuse
  • Talmage
  • Tampa
  • Tecumseh
  • Tescott
  • Thayer
  • Tipton
  • Tonganoxie
  • Topeka
  • Toronto
  • Towanda
  • Treece
  • Tribune
  • Troy
  • Turon
  • Tyro
  • Udall
  • Ulysses
  • Union
  • Uniontown
  • Utica
  • Valley Center
  • Valley Falls
  • Vassar
  • Vermillion
  • Victoria
  • Viola
  • Virgil
  • Wa Keeney
  • Wakarusa
  • Wakefield
  • Waldo
  • Waldron
  • Walker
  • Wallace
  • Walnut
  • Walton
  • Wamego
  • Washington
  • Waterville
  • Wathena
  • Waverly
  • Webber
  • Weir
  • Welda
  • Wellington
  • Wellsville
  • Weskan
  • West Mineral
  • Westmoreland
  • Westphalia
  • Wetmore
  • Wheaton
  • White City
  • White Cloud
  • Whitewater
  • Whiting
  • Wichita
  • Williamsburg
  • Wilmore
  • Wilsey
  • Wilson
  • Winchester
  • Windom
  • Winfield
  • Winona
  • Wolf River
  • Woodbine
  • Woodston
  • Wright
  • Yates Center
  • Yoder
  • Zenda