Best Banks & Checking Accounts in Lawrence, Kansas - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Lawrence, Kansas include Mid-America BankMid-America Bank4114 W 6th St, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00% Premier Checking at 2.01% APY, Meritrust Federal Credit UnionMeritrust Federal Credit Union650 Congressional Dr, Lawrence, KS 66049 4869A+5.0 ★Texas Ratio: 4.67% Premium Perks Checking at 1.00% APY, TriCentury BankTriCentury Bank1444 Kasold Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00% Premier Personal Checking at 0.50% APY, Envista Federal Credit UnionEnvista Federal Credit Union1555 Wakarusa Dr, Lawrence, KS 66047 1803A+5.0 ★Texas Ratio: 2.83% Vantage Senior Checking at 0.25% APY, and Premier Members Credit UnionPremier Members Credit Union650 Congressional Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 4.73% Pro Checking at 0.25% APY. Checking account rates as of April 25, 2026 according to verified data from MonitorBankRates.
Lawrence has 8 local institutions in our database, with checking rates as high as 2.01% APY from Mid-America Bank at 4114 W 6th St, Lawrence, KS, 66049. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Lawrence, Kansas. Checking Account Rates Last Updated and Verified: April 25, 2026
Compare Checking Account Rates Today in Lawrence, Kansas & the Surrounding Area
Lawrence, KS 66049
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Lawrence, KS 66049 4869
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Lawrence, KS 66049
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Lawrence, KS 66049
Complimentary paper statements
Lawrence, KS 66049
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Lawrence, KS 66047 1803
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Lawrence, KS 66049 4869
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Lawrence, KS 66049
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Lawrence, KS 66044
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Lawrence, KS 66046 5003
Existing Prime Checking accounts only, new Prime Checking are no longer available; A monthly service fee of $10 if balance is less than $500 at any time of the month.
Lawrence, KS 66046 5003
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Lawrence, KS 66046 5003
Age 55 and better
Lawrence, KS 66047 1803
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Lawrence, KS 66049 3215
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Lawrence, KS 66047 1803
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Qualifying balance up to $15000
Qualifying balance up to $20,000
Qualifying balance up to $15,000.00
Qualifying balance up to $30,000.00
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Lawrence, KS 66049
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Lawrence, KS 66049 4869
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Lawrence, KS 66049 4869
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Lawrence, KS 66044
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Qualifying balance up to $15000
Qualifying balance up to $20,000
Qualifying balance up to $15,000.00
Qualifying balance up to $30,000.00
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Qualifying balance up to $15000
Annual Percentage Yield
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Open Online
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Lawrence, KS 66049 4869
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Qualifying balance up to $20,000
Qualifying balance over $25,000
when qualifications are not met
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NO service charge; Minimum balance of $1,000 to earn dividends
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Lawrence, KS 66049 4869
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Lawrence, KS 66049
In Branch Only
Lawrence, KS 66049 4869
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Lawrence, KS 66049 4869
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Lawrence, KS 66049 4869
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Lawrence, KS 66047 1803
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Lawrence, KS 66047 1803
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Lawrence, KS 66049 4869
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Lawrence, KS 66049
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Lawrence, KS 66047 1803
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Lawrence, KS 66046 5003
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Lawrence, KS 66047 1803
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Lawrence, KS Checking Rate Trends
Compare local Lawrence, KS 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.
Kansas high-yield checking rates fell 0.512 points over the past 7 days to 2.641% APY.
Kansas free checking rates rose 0.035 points over the past 7 days to 0.898% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Lawrence, 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 pulling this data straight 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 Lawrence, 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 Lawrence, Kansas earn interest?
Are banks in Lawrence, Kansas FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Lawrence, Kansas
- Mid-America Bank
Premier Checking — 2.01% APY - Meritrust Federal Credit Union
Premium Perks Checking — 1.00% APY - TriCentury Bank
Premier Personal Checking — 0.50% APY - Envista Federal Credit Union
Vantage Senior Checking — 0.25% APY - Premier Members Credit Union
Pro Checking — 0.25% APY
