Kansas is growing, particularly in metropolitan areas like Kansas City and Topeka. Whether you’re a longtime resident or you’re new to the state, there are plenty of banks in Kansas to meet your financial needs, from checking accounts with no minimum deposit to savings account options with competitive interest rates.

12 Best Banks in Kansas
Kansas residents have plenty of options when it comes to banking services. Whether it’s a small bank like Capitol Federal Savings Bank or a local branch of a big bank like Bank of America, you can find the bank that works for you. Here are some of the top banks in Kansas to help you with your search.
1. U.S. Bank
U.S. Bank holds a significant footprint in Kansas, combining the convenience of local branches with the extensive services of a national bank.
2. SoFi
The SoFi Checking & Savings account delivers a unique online banking experience. Boasting a standout 4.60% APY on the online savings account and 0.50% for checking account balances, they also offer bonuses from $50 to $250 based on your direct deposit total.
3. GO2bank
GO2bank, operated by Green Dot, stands out as a user-friendly online bank. Customers can effortlessly open a checking account and high yield savings account with an impressive 4.50% APY for balances up to $5,000.
4. Commerce Bank
Commerce Bank is a regional bank worth considering, especially for those residing in North or Central Kansas where they have a considerable presence with many physical branches. It offers a range of bank accounts that compete well with larger banks.
5. Security Bank of Kansas City
For those residing in the Kansas City area, Security Bank stands as a top contender among the best banks in Kansas, notable for its excellent customer service and favorable checking account rates.
6. Capitol Federal Savings Bank
Catering to the needs of individuals in Central and Southeast Kansas, in addition to Kansas City, Missouri, Capitol Federal Savings Bank is known for its competitive rates on personal loans.
7. Bank of America
For those leaning towards the substantial network and facilities of a large national bank, Bank of America is a popular choice in Kansas, boasting numerous branches across the state.
8. InTrust Bank
Serving Kansas, Oklahoma, and Arkansas, InTrust Bank is considered one of the best banks in Kansas for its variety of banking services, including great mobile banking options. The bank’s checking accounts come with free access to 55,000 AllPoint ATMs nationwide.
9. Emprise Bank
Emprise Bank is a family-owned bank with locations in Wichita and surrounding areas. Like many community banks, you’ll have a limited number of branches, but Emprise offers free ATM usage at over 55,000 AllPoint ATMs nationwide.
10. North American Savings Bank
For those in Kansas City exploring local banking options, North American Savings Bank presents a fine choice by blending the essence of community banking with modern mobile banking facilities and broad ATM accessibility across the country.
11. BMO Harris
BMO Harris is a regional bank that has branches in Kansas and other states, including Illinois, Indiana, Arizona, Missouri, Minnesota, Florida, and Wisconsin. Customers can access services at over 1,400 BMO Harris locations and use ATMs in the extensive AllPoint network all over the country.
12. Small Business Bank
If you’re a small business owner, the Small Business Bank, based in Lenexa, might be just what you’re looking for. This bank operates exclusively online and is dedicated to catering to the needs of small business owners by offering checking accounts with no monthly fees.
How to Choose the Best Bank in Kansas
Choosing from the best banks in Kansas is a significant decision, impacting your day-to-day financial activities and long-term financial health. If you’re in Kansas and searching for the best bank account to meet your needs, here are some factors to consider:
- Branch and ATM availability: Think about how often you’ll need to visit a physical branch or use an ATM. If regular access is essential, look for banks with a wide network of branches and ATMs in your area.
- Fees and charges: Examine the fee structure for monthly maintenance, ATM usage, overdrafts, and other services. Some banks may waive fees if certain criteria, like maintaining a minimum balance or setting up direct deposit, are met.
- Interest rates: For savings and checking accounts, consider the annual percentage yield (APY). Higher APYs allow your money to grow faster. If you’re looking at loans or credit cards, look for banks that offer competitive interest rates.
- Online and mobile banking: With the increasing reliance on online transactions, ensure the bank offers a user-friendly online platform and mobile banking app with essential features like bill pay, mobile deposit, and account alerts.
- Customer service: Good customer support can make a world of difference, especially during economic uncertainties. Research reviews or ask friends and family about their experiences.
- Specialized services: Depending on your needs, you might want a bank that offers specialized services like wealth management, business banking, or mortgage expertise.
- Security: Ensure the bank has a robust security system to protect your data and funds. Features like two-factor authentication and fraud alerts are vital in today’s digital age.
- Community involvement: For some, a bank’s commitment to the local community matters. Local banks or credit unions often invest more in community development and may offer personalized services.
- Future needs: Anticipate your future banking requirements. If you foresee needing a mortgage, personal loan, or business loan down the line, see what services and rates banks offer in those areas.
- Promotions and bonuses: While they shouldn’t be the sole deciding factor, promotions, bonuses, and other incentives can provide added value, especially when starting a new banking relationship.
By weighing these factors and aligning them with your financial habits and goals, you can make an informed decision about which bank in Kansas is the best fit for you.
Choosing the Right Type of Bank in Kansas
In the rapidly changing world of banking, customers have an array of options. Selecting the best bank in Kansas depends on individual preferences, prioritizing factors like convenience, support, and technological advancements. Here are some distinguishing features of national banks, regional banks, community banks, online banks, and credit unions:
- National banks: These large institutions operate vast branch and ATM networks, ensuring easy access to banking services almost everywhere. While they are feature-rich with sophisticated online banking solutions, they might not provide the personalized service that smaller banks can deliver.
- Regional banks: Despite their smaller size, regional banks offer a substantial network of branches and ATMs, along with a more localized understanding of the community and professional service.
- Community banks: Deeply rooted in local values, these banks present a personalized service and flexible lending options, catering primarily to local residents. They may have fewer branches and ATMs, so if you are a frequent traveler, considering the ATM network is crucial.
- Online banks: These banks are at the forefront of digital innovation, usually offering higher interest rates on savings and innovative features, including automated savings tools. The downside might be the limited availability of traditional services like check writing and potentially less responsive customer service.
- Credit unions: These are member-owned entities known for competitive rates, lower fees, and a community-focused approach. They may have fewer branches and less advanced digital tools but stand out for their commitment to community involvement and member benefits. Some of the best credit unions in Kansas include Azura Credit Union, CommunityAmerica Credit Union, White Eagle Credit Union, Golden Plains Credit Union, Credit Union of America, and Envista Credit Union.
Bottom Line
Finding the right bank is a crucial step in securing a stable financial future. We have detailed various options to help you pinpoint the best banks in Kansas, considering different needs and preferences.
As you make your choice, think about what is important to you — whether it’s excellent customer service, high interest rates, or convenient online banking tools. Your ideal bank will match your banking habits and provide a reliable platform for managing your finances. Take a thoughtful approach to selecting a bank that truly suits your lifestyle and financial objectives.