Checking

A checking account is all about money in and money out. It needs to be efficient, accessible and easy to manage. We have two styles of personal checking accounts from which to choose. You can open either one with a minimum deposit of $50. Additional disclosures will be provided at account opening.

First-Class Checking

First-Class Checking offers all of the services you need for one monthly fee. Features included in this account at no additional cost:

• Standard ATM/Check Card
• Two boxes standard checks annually
• Temporary checks as needed
• Pay bills using internet banking services
• Printed statements with check images
• Money orders
• Cashiers’ checks

If you keep $4,000 or more in the account, it earns interest. Tiered rates are applied to larger balances. If your banking relationship with us totals $15,000 across all of your deposit accounts at Kirkpatrick Bank, then you pay no monthly fee.

Basic Checking

Basic Checking is designed for those whose needs are simpler. There is no monthly fee, instead fees are tied specifically to the services you need as you need them. The account does not pay interest, but pairs nicely with other options, like a savings or money market account, which do. Transfers, automatic or manual, can be established to meet your needs in managing these accounts. Check card issue fees for standard cards, as well as monthly check card fees are waived for minors (under 18).

So how do you choose?

See a comparison of features side by side below or use our calculator to help identify the most cost effective choice based on how you intend to use key features to operate your account.
Make your choice and submit an application.

What to bring:

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. Here's what you will need to bring:

• Personal information such as your name, current address and social security number
• Two forms of identification — applies to all person(s) who will sign on the account
• A government issued ID with a photo — (Ex. driver's license, state ID, or passport)
• A second form of ID —(Ex. Social Security card, insurance card or credit card with your name and an expiration date that shows it is current)
• A deposit with which to open the account — either a check or cash

To view our account comparison document, click here.

BASIC CHECKING ACCOUNT

You like keeping things plain and simple. You’re all about reducing your carbon footprint in the world. You’re going to love this account. It’s free of fees, balance minimums, and printed statements.

• Open with $50
• You get full-service internet banking privileges 24/7
• You can have your paycheck deposited directly to your account, yay money!
• You can pay bills, look at your statement and check your cleared checks all online, no paper wasted
• You get a check card that also works with ATMs and is slimmer than a checkbook in your back pocket

Contact the branch nearest you or click here to open your new Kirkpatrick Bank account.

FIRST CLASS CHECKING

Whatever you like most, it’s bound to be in this account. Discounts? Insurance? Free checks? It’s all here and it’s all yours.

• Open with $50, there’s no minimum balance required
• You get free checks and no fees for any Traveler’s Cheques or Money Orders
• You can get a printed statement mailed to you free if you choose
• You get an awesome discount package: travel discounts including hotels, rental cars, roadside service, pharmacy discounts, entertainment discounts including restaurants, movie theaters and more
• You get $10,000 accidental death insurance, personal safety protection against lost keys, credit cards or documents; household inventory and emergency cash services

Contact the branch nearest you or click here to open your new Kirkpatrick Bank account.

DELUXE CHECKS

Reordering checks is easy enough. Just click here to order them directly from Deluxe.

StudentCard Checking

We offer StudentCard Checking without monthly maintenance fees and we waive the usual monthly check card fee. The best way for children to learn how to be money smart is to practice. An allowance can be one of the best ways to practice and learn. A StudentCard Checking Account gives parents extra tools to help an allowance become the first step in building a child’s money smart IQ. Additional disclosures will be provided upon account opening.

Here’s how it works:

1. The parent co-owns the account with the child. That means the parent can see the detail of activity in the account – where and when the money was spent, how much was spent and how much is left. Parents can use this and the account monthly statement to discuss basic money management choices and build financial literacy skills, including operating a bank account.
2. The child is issued a check card. This is NOT a credit card. It works like a check, but has fraud protection and if the card is lost or stolen, can be replaced, unlike cash. Daily spending limits can be set to help children learn how to pace their spending. Balance alerts and other messages can be set to advise parents of activities or low balances on the account. In addition, if the account does not have enough money for the purchase or withdrawal requested, it will be declined, a protection against over drawing the account.
3. The parent can control allowance income to the account by making either manual or scheduled transfers from their account to the child’s account. Transfers can be made online or by using the Connection Line. This feature is a great safety net if a child should be away from home and need emergency cash.

SchoolCards are custom designed check cards with the Deer Creek, Edmond North, Edmond Memorial Edmond and Santa Fe high school logos. These cards help raise money for the schools. StudentCards are available with any Kirkpatrick Bank checking account.

Click here for the StudentCard checking account tutorial.

Click here to see tips for using allowances to increase your child’s money smart IQ.

HEALTH SAVINGS ACCOUNT (HSA)

This is a savings account that helps you pay for current health expenses and save for future health expenses on a tax-free basis. And it earns interest. Open one with $100. Complete account disclosures, with compounding interest and annual percentage yield are available any time. Just ask. We recommend you contact your tax advisor to see how this may benefit you.

Contact the branch nearest you or click here to submit an application.