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 Truity Federal Credit UnionTruity Federal Credit Union3400 W 6th St, Lawrence, KS 66049 3215A5.0 ★Texas Ratio: 7.04% High Yield Checking at 5.00% APY, Emprise BankEmprise Bank1121 Wakarusa Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.30% High Interest Checking at 3.50% APY, Mid-America BankMid-America Bank4114 W 6th St, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00% Premier Checking at 2.02% APY, TriCentury BankTriCentury Bank1444 Kasold Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00% Premier Personal Checking at 0.50% APY, and Mid American Credit UnionMid American Credit Union550 N Wakarusa Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 5.01% e-Checking at 0.50% APY. Checking account rates as of April 8, 2026 according to verified data from MonitorBankRates.
Lawrence has 10 local institutions in our database, with checking rates as high as 5.00% APY from Truity Federal Credit Union at 3400 W 6th St, Lawrence, KS, 66049 3215. 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 8, 2026
Compare Checking Account Rates Today in Lawrence, Kansas & the Surrounding Area
Lawrence, KS 66049 3215
Qualifying balance up to $5,000.00
Lawrence, KS 66049
Qualifications Required: Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.; Qualifying balance up to $10,000.00
Lawrence, KS 66049
Qualifications Required: Receive e-statements; Set up monthly direct deposit or ACH automatic payment; Complete 15 debit card transaction per statement cycle; Qualifying balance up to $19,999.99
Lawrence, KS 66049
No additional details provided.
Lawrence, KS 66049
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Lawrence, KS 66049
Qualifying balance up to $1,000.00
Lawrence, KS 66049
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Lawrence, KS 66049
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Lawrence, KS 66049
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Lawrence, KS 66047 1803
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Lawrence, KS 66049 3215
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Lawrence, KS 66049
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Lawrence, KS 66049
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Lawrence, KS 66044
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Lawrence, KS 66049
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Lawrence, KS 66049
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Lawrence, KS 66049 3215
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Lawrence, KS 66047 1803
No additional details provided.
Lawrence, KS 66046 5003
Age 55 and better
Lawrence, KS 66046 5003
No additional details provided.
Lawrence, KS 66049 3215
Qualifying balance up to $5,000.00
Lawrence, KS 66049
Qualifications Required: Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.; Qualifying balance up to $10,000.00
Lawrence, KS 66049
Qualifications Required: Receive e-statements; Set up monthly direct deposit or ACH automatic payment; Complete 15 debit card transaction per statement cycle; Qualifying balance up to $19,999.99
Lawrence, KS 66049
No additional details provided.
Lawrence, KS 66049 3215
No additional details provided.
Lawrence, KS 66049 3215
No additional details provided.
Lawrence, KS 66044
No additional details provided.
Lawrence, KS 66049 3215
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Lawrence, KS 66049
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Lawrence, KS 66049 3215
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Qualifying balance up to $15000
Qualifying balance up to $15000
Qualifying balance up to $200.00
Qualifying balance up to $10,000.00
Qualifying balance up to $20,000
Qualifying balance up to $15,000.00
Qualifying balance up to $30,000.00
Qualifications Required: 12 debit card purchases, posted and settled; 1 Direct Deposit/Mobile Deposit per month; 1 electronic debit/ACH transaction per month; Qualifying balance up to $20,000.00; Refunds on ATM withdrawal fees up to $25 per month
No additional details provided.
Qualifying balance up to $15000
Qualifying balance up to $10,000.00
Qualifying balance up to $200.00
Qualifying balance up to $20,000
Qualifications Required: Have at least 15 debit card purchases post and settle; Be enrolled and receive free monthly Web Statements; Have at least one direct deposit or automatic payment (ACH) post and settle; Qualifying balance up to $200
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; Cash back earned on up to $250 in purchases monthly; Earn up to $105 cash back per year, $8.75 per month; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*; Link to free [Kasasa Saver]� to build savings automatically
Daily Balance $400 and Greater
Daily Balance Below $400
Lawrence, KS 66049
No additional details provided.
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; Cash back earned on up to $250 in purchases monthly; Earn up to $105 cash back per year, $8.75 per month; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*; Link to free [Kasasa Saver]� to build savings automatically
Qualifications Required; Qualifying balance up to $100,000.00
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Lawrence, KS 66049
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Lawrence, KS 66049
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Lawrence, KS 66049
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$25.00 minimum opening balance; NO service charge; Minimum balance of $1,000 to earn dividends
Lawrence, KS 66049
In Branch Only
Lawrence, KS 66049
paid monthly; Qualifying balance up to $1,000.00
Lawrence, KS 66047 1803
No additional details provided.
Lawrence, KS 66047 1803
No additional details provided.
Lawrence, KS 66049
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Lawrence, KS 66049
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Lawrence, KS 66049 3215
$25,000+
Lawrence, KS 66049
No additional details provided.
Lawrence, KS 66049 3215
$5,000-$9,999
Lawrence, KS 66046 5003
No additional details provided.
Lawrence, KS 66047 1803
No additional details provided.
Lawrence, KS 66049 3215
$0-$4,999
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 0.459 points over the past 7 days to 3.052% APY.
Kansas free checking rates fell 0.003 points over the past 7 days to 0.715% 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
- Truity Federal Credit Union
High Yield Checking — 5.00% APY - Emprise Bank
High Interest Checking — 3.50% APY - Mid-America Bank
Premier Checking — 2.02% APY - TriCentury Bank
Premier Personal Checking — 0.50% APY - Mid American Credit Union
e-Checking — 0.50% APY
