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KCNB Money Market Account

Rates Effective as of September 5, 2024.  For the most up-to-date rates, call your local KCNB branch.

Money Market Account

Minimum Deposit to Open:
$1,500.00

Minimum Balance to Obtain APY:
$0.01

Interest Compound:
Monthly

Download the Application
Interest
Rate
APY 4
1.25%
1.26%

Other Features:

  • 6 debits per month1
  • KCNB Online Banking
  • No monthly maintenance fee for average balances over $1,5003

* Application must be filled, printed, and returned to a KCNB location.​

Frequently Asked Questions

We currently do not provide the means for you to apply online or submit your application electronically.

Our applications are available at any KCNB location, and can also be found on our website in a fillable and downloadable PDF format.

We do not schedule appointments to meet with our representatives.  However, you may call your preferred location ahead of time to check on availability. 

Generally, a valid government-issued photo ID, Social Security Card, and proof of residence will be required to open an account.  You will also need your opening deposit.

Certain situations may require additional documentation.  Call your local branch for more information.

  1. In excess of 6 debit transactions per month, a $2.00 fee will be incurred for each debit transaction.
  2. Must have an open account at Karnes County National Bank to enroll in KCNB Online Banking.  Internet connection required for both KCNB Online Banking and KCNB Mobile.  Standard data rates may apply, refer to your service provider’s plan for information regarding data usage rates.
  3. Money Market Account –
    If your average balance per monthly statement cycle:
    Is less than $1,500.00, a fee of $8.00 will be incurred;
    Is $1,500.00 or more, there is no maintenance fee.
  4. Quoted APY is based on interest compounded monthly.  At our discretion, the rate and APY for these tiers may change after the account has been opened.  We may change the interest rate on your account every day.  Fees could reduce the earnings on the account.
  5. We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

© 2025 Karnes County National Bank

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