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. This list of top Kansas banks can help you find the right fit for you.
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
Although it’s headquartered in Minneapolis, U.S. Bank is a national bank with branches and ATMs across Kansas. The U.S. Bank Smartly checking account currently offers a sign-up bonus of $300 for new customers.
You also get 0.05% APY on your balance, as well as fee-free banking if you keep a balance of at least $1,500. You can also avoid the fee by having at least $1,000 in direct deposit activity each statement cycle.
Fees:
- $6.95 monthly service fee (waived with direct deposits or balance minimums)
- $36 overdraft fee
Balance requirements:
- $25 opening deposit
- $1,500 minimum daily balance or $1,000 in direct deposits to waive service fee
ATMs:
- Fee-free at U.S. Bank, MoneyPass, and Cardtronics locations nationwide
- $2.50 charge per transaction at out-of-network ATMs
Interest on balance:
- Up to 0.05% APY on checking accounts
- Up to 0.75% APY on money market accounts
- Up to 4.70% APY on CDs
Additional perks:
- Extensive mobile banking features
- Money management tools available
2. Commerce Bank
If you rarely travel, or you don’t need access to cash when you do, Commerce Bank might be worth considering. This small bank’s account offerings are comparable to national banks, but you’ll have plenty of physical branches nearby, especially if you live in North or Central Kansas.
Fees:
- No monthly service fee
- $36 overdraft fee
Balance requirements:
- $125 opening deposit
- No minimum daily balance required
ATMs:
- Fee-free at Commerce Bank locations
- $2.95 charge per transaction at out-of-network ATMs
Interest on balance:
- 0.01% APY on savings
- Up to 0.20% APY on money market accounts
Additional perks:
- $50 gift card for each new customer referral
- Extra business day to remedy overdrafts
3. GO2bank
Go2bank is an online banking solution that offers a free checking account with no minimum deposit. You’ll need to have at least one directly deposited check each month to qualify to have the $5 service fee waived, though.
Go2bank also offers a savings account with competitive rates and a credit-building secured VISA with no credit check required.
Fees:
- $5 monthly service fee (waived with direct deposit)
- $15 overdraft fee
Balance requirements:
- No opening deposit
- No minimum daily balance
ATMs:
- Fee-free at AllPoint ATMs nationwide
- $3 fee for out-of-network ATMs
Interest on balance:
- Up to 4.50% APY on savings
4. Security Bank of Kansas City
Kansas City-area residents should look into Security Bank, which is one of the best banks in Kansas for its customer service and great rates on checking accounts. There are multiple checking account tiers, but the basic account is a simple checking account with no maintenance fees as long as you maintain a $100 balance. Although ATM withdrawals are only free at Security Bank ATMs, you’ll be refunded up to $15 in out-of-network transactions each month.
Fees:
- $7 monthly service fee (waived with minimum balance)
- No overdraft fees
Balance requirements:
- $25 opening deposit
- $100 minimum daily balance required to waive service fee
ATMs:
- Fee-free at Security Bank branches
- $15 in ATM fees refunded monthly
Interest on balance:
- Up to 0.15% APY on savings
- Up to 1.76% APY on money market accounts
- Up to 3.29% APY on CDs
Additional perks:
- Instant debit card available at Kansas City branches
- Competitive rates on personal loans and lines of credit
5. Capitol Federal Savings Bank
Serving Central and Southeast Kansas, as well as Kansas City, Missouri, Capitol Federal Savings Bank offers competitive rates on savings accounts and personal loans. The downside is that you’ll only have fee-free ATM access at Capitol Federal Savings Bank locations, which are limited to Kansas and Northwest Missouri.
If you travel, you’ll have to pay a $2 transaction fee on the Capitol Federal Savings Bank side, in addition to the fees charged by the third-party ATM.
Fees:
- No monthly service fee
- $32 overdraft fee
Balance requirements:
- $100 opening deposit
- No minimum daily balance required
ATMs:
- Fee-free at 200+ Capitol Federal Savings Bank locations
- $2 charge per transaction at non-Capitol Federal Savings Bank ATMs
Interest on balance:
- Up to 0.05% APY on savings accounts
- Up to 2.50% APY on money markets
- Up to 4.00% APY on CDs
Additional perks:
- Smart ATMs allow cash deposits
- Competitive loan rates
6. Bank of America
If you prefer the convenience of a big bank, Bank of America has branches throughout Kansas. You’ll get a full suite of online banking options as well as in-person customer service at local branches. When you’re traveling, you’ll typically have no trouble finding an in-network ATM, but out-of-network fees are only $5 per transaction.
Fees:
- $12 monthly service fee (waived with qualifications)
- $10 overdraft fee
Balance requirements:
- $100 opening deposit
- $1,200 minimum daily balance to waive service fee
ATMs:
- Fee-free at Bank of America ATMs nationwide
- $5 charge per transaction at non-Bank of America ATMs
Interest on balance:
- Up to 0.04% APY on savings accounts
- Up to 4.00% APY on CDs
Additional perks:
- Advanced fraud alert features in app
- Virtual banking assistant provides personal customer service
7. Chime
Another online banking option worth considering is Chime, with checking accounts that come with no minimum deposit, minimum balance, or fees. If you have at least $200 monthly in deposits directly going into your checking account, you’ll qualify for perks like Spot Me, which covers up to $200 in overdrafts.
Chime also has a 2.00% APY savings account with autosave features that help you set money aside.
Fees:
- No monthly service fee
- No overdraft fees
Balance requirements:
- No minimum opening deposit
- No minimum daily balance
ATMs:
- Fee-free at MoneyPass, AllPoint, and Visa Plus Alliance ATMs nationwide
- $2.50 fee for out-of-network ATMs
Interest on balance:
- Up to 2.00% APY on savings
Additional perks:
- Automatic savings rounds up debit purchases and puts the money in savings
- Spot Me covers up to $200 in overdraft (direct deposit required)
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 access to fee-free ATM transactions at 55,000 AllPoint ATMs nationwide.
Fees:
- No monthly service fee
- $25 overdraft fee
Balance requirements:
- No opening deposit
- No minimum daily balance required
ATMs:
- Fee-free at 55,000+ AllPoint ATMs nationwide
- $2.50 charge per transaction at out-of-network ATMs
Interest on balance:
- Up to 0.60% APY on savings
- Up to 1.75% APY on money market accounts
- Up to 5.00% APY on CDs
Additional perks:
- Great small business banking options
- Money management tools available
Additional perks:
- Up to $200 in overdraft protection
- Secured VISA credit card helps you build credit without a credit check
9. Emprise Bank
Another option for those who like local banks is Emprise Bank, a family-owned bank with locations across Kansas. Like many community banks, you’ll have a limited number of branches, but Emprise offers fee-free ATM access at AllPoint ATMs nationwide.
The best thing about Emprise, though, is its cash-back checking account. It has no monthly maintenance fees and 2% back on debit card purchases as long as you have one or more direct deposit checks per month, make at least 12 monthly debit card purchases, or enroll in e-statements.
Fees:
- No monthly service fee
- $32 overdraft fee (forgiveness for up to $5)
Balance requirements:
- $100 opening deposit
- No minimum daily balance
ATMs:
- Fee-free at 55,000+ AllPoint ATMs nationwide
- Up to $25 in refunds of out-of-network ATM fees each month (minimum account activity required)
Interest on balance:
- Up to 2.00% APY on savings accounts
- Up to 4.00% APY on CDs
- Up to 2.00% APY on money markets
Additional perks:
- 2% cash back on debit card purchases (minimum account activity required)
- $50 account bonus for each new customer referral
10. North American Savings Bank
Kansas City-area residents looking at local banks should consider North American Savings Bank, which combines community banking with mobile banking tools and nationwide ATM access. NASB’s Thrive and Prosper checking accounts come with interesting perks, including up to $800 in cell phone breakage protection and access to roadside assistance.
Fees:
- $6 monthly service fee
- $32 overdraft fee
Balance requirements:
- $100 opening deposit
- No minimum daily balance
ATMs:
- Fee-free at NASB and MoneyPass ATMs nationwide
Interest on balance:
- Up to 3.87% APY on savings accounts
- Up to 4.50% APY on CDs
Additional perks:
- Up to $800 per year in cell phone loss and breakage protection
- Exclusive retailer discounts available through mobile banking app
11. BMO Harris
BMO Harris is a regional bank with branches in Kansas, Illinois, Indiana, Arizona, Missouri, Minnesota, Florida, and Wisconsin. You’ll get fee-free ATM access at 1,400 BMO Harris locations, as well as nationwide access to ATMs within the AllPoint network.
But what makes BMO Harris stand out is its robust online and mobile banking offerings, as well as its SmartAdvantage checking account that comes with no monthly fees or minimum balance requirements.
Fees:
- No monthly service fee
- $15 overdraft fee
Balance requirements:
- $25 minimum deposit to open
- No minimum daily balance
ATMs:
- Fee-free at 1,400 BMO Harris ATMs
- Fee-free at AllPoint ATMs nationwide
- $3 fee for out-of-network ATMs
Interest on balance:
- Up to 2.50% APY on savings
- Up to 4.50% APY on CDs
- Up to 2.25% APY on money markets
Additional perks:
- Dashboard lets you manage all your finances, including those with non-BMO Harris accounts
- Spending habit analysis helps with money management
12. Small Business Bank
Small business owners should take a look at the simply named Small Business Bank, located in Lenexa. Designed for online banking only, Small Business Bank offers checking accounts for small business owners with no monthly service fees. As a small business owner, you’ll get fee-free cash access at any SHAZAM ATM nationwide.
Fees:
- No monthly service fee
- $25 overdraft fee
Balance requirements:
- $5 minimum opening deposit
- No minimum daily balance
ATMs:
- Fee-free at SHAZAM ATMs
Interest on balance:
- Up to 4.48% APY on savings
Additional perks:
- Debit card makes it easy to manage cash flow
- Customized small business banking options for microbusinesses, sole proprietors, and small business owners
Our Methodology
When creating the above list, we took a look at a variety of features. We tried to include a little of everything to help you find the right account for your needs. Here are some features we considered when looking at the best banks in Kansas.
Big Bank vs. Small Banks
Mobile apps and online banking have made it easier to get everything you need from the comfort of your home. But there are benefits of both large and small bank options, and those benefits are worth considering.
For a small bank, it’s usually important to focus on physical branch locations. But even if you live down the street from the best small bank in Kansas, that won’t help while you’re traveling. You’ll also need to look for a bank that provides ATM access when you leave the state.
Large banks, on the other hand, can offer the most branches and ATMs. They may also provide online banking options that you won’t get with a small bank. However, you could find you lose the personalized customer service and flexible lending requirements that you see with a community-based bank.
Big Bank vs. Online Banks
In recent years, online and mobile banking options have changed the landscape of banking. Often the interest rate you get with a savings account or loan could be much better with an online bank. You may also find perks you wouldn’t get with other banks, like automatic savings features.
But when going with an online banking option, you’ll miss out on some of the benefits you get with both the smallest and largest banks. Before signing on with an online bank, make sure check writing is an option since some accounts don’t include that. Also, make sure you can get customer service if you need it and that you’ll have access to ATMs for making cash deposits and withdrawals.
Bank accounts come in a variety of formats and sizes. But in most cases, the benefits that come with checking accounts, as well as the APY on savings, are likely the most important features. Whether you go with online-only banks or you choose a bank with plenty of physical locations, the key is to make sure you’ll have access to the features you need with minimal fees.
