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Checking

Do you want simple? Do you want to earn interest on your money? We have options when it comes to your checking.

Find the right checking account for you

We offer a variety of personal checking account options to accommodate many different lifestyles. Take a look at the features and choose the one that best fits your needs.

Compare AccountsContact us

All of our Personal Checking Accounts include:

  • Online Banking
  • Online Bill Payment
  • Mobile Banking with our Mobiliti App for iPhone and Android

Take a look at our Comparison Chart for a side by side view.

Personal Checking Accounts Comparison Chart

ProductKingston Direct

Senior Checking

Student CheckingKingston Freedom
Description

Customers who want a simple account with added benefits for direct deposits.

Customers 55 or older, who still like to use paper checks.

Customers who want simple and convenient, 25 years old and younger.

Customers who want the ability to use all of the benefits of our electronic banking products.

Minimum to Open $100 $100 $25 $100
Interest Bearing No No No No

Monthly Service Charge

$10.00, waived with qualifying activity.*

$0

$10.00, waived with qualifying activity.*

$15.00, waived with qualifying activity.*

Debit Card Fee

$1.00

$0

$0

$0

Account requirements

  • *Activity required to waive $10.00 Monthly Service Charge.
    • Have  a direct deposit or keep a daily balance of $500.00.
  • Paper Statements $3.00 per month
  • One (1) complimentary box of basic checks per year.

  • No minimum balance required
  • No minimum balance required
  • Refund up to $6.00 for non- KNB ATM transaction charges per month
  • *Activity  required to waive $10.00 Monthly Service Charge.
    • Receive e-statements
    • Conduct at least 1 log-on to Kingston Connect per statement cycle.
  • Refund up to $6.00 for non- KNB ATM transaction charges per month
  • *Activity  required to waive $15.00 Monthly Service Charge.
    • Have 6 point of sale transactions post and clear per statement cycle. 
    • Receive e-statements
    • Conduct at least 1 log-on to Kingston Connect per statement cycle.
    • Conduct at least 1 bill payment per statement cycle.

Find the right Interest Bearing Account That Fits You

We offer a variety of Money Market and interest bearing checking account options to help you best manage your funds. Take a look at the features and choose the one that best fits your needs.

Compare AccountsContact us

All of our Money Market/Interest Bearing Checking Accounts include:

  • Online Banking
  • Mobile Banking with our Mobiliti App for iPhone and Android

Take a look at our Comparison Chart for a side by side view.

 

Interest Bearing Checking Accounts Comparison Chart

ProductMarquee High Yield*

Kingston Classic*

Kingston VIP*
Description

Our premier interest bearing account for those customers who maintain higher balances.

Customers who keep higher balances in their checking account.

Customers who want the ability to write unlimited paper checks.

Minimum to Open Account $50,000.00 $10,000.00 $1,500.00
Interest Bearing $50,000.00 minimum to earn interest $10,000.00 minimum to earn interest $.25 per item fee for any transaction if the minimum required balance is not met.

Monthly Service Charge

$10.00 if daily balance falls below $50,000.00

$10.00 if daily balance falls below $10,000.00

$10.00 if daily balance falls below $1,500.00

Debit Card Fee

$1.00

$1.00

$1.00

Interest Tiers and Additional Account Details

  • $50,000.00 - $99,999.99
  • $100,000 - $124,999.99
  • $125,000.00 - Above
  • $3.00 monthly fee for paper statements
  • $10,000.00 - $24,999.99

  • $25,000 - $49,999.99
  • $50,000.00 - Above
  • $3.00 monthly fee for paper statements
  • $1,500.00 - $4,999.99
  • $5,000.00 - $9,999.99
  • $10,000.00 - Above
  • $3.00 monthly fee for paper statements

Contact a Customer Service Representative for current rates!

*Account Limitations:

Effective November 1, 2020, the number of withdrawals or transfers to another account or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party will increase from six (6) to ten (10) transactions in a four (4) week or similar period.

If there are more than ten (10) of the above transactions in a four (4) week or similar period the following fees will be charged per each item over ten (10):

  • Kingston Classic Money Market Account - $5.00 for each item over ten (10).
  • Marquee Money Market Account - $5.00 for each item over ten (10).
  • Statement Savings Account - $1.00 for each item over ten (10).
  • Passbook Savings Account - $1.00 for each item over ten (10).

Withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.

Ready to get started?

Contact a Customer Service Representative to open your account today!

Contact Us

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