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Money. Money. Money. Money. Market.

The solution to saving and spending, all in one account.

Money Market Deposit Account

  • Interest Bearing Deposit Account
  • 6 Debits per month1
  • NO KCNB ATM Fees2
  • Issued Visa Debit Card
  • Compatible with KCNB Online Banking3
  • No monthly maintenance fee (for average balances over $1,500)4
Download the Application*
*Must be filled, printed, and returned to a KCNB location.​

KCNB Money Market Rates

Rates Effective as of July 27th, 2023.  For the most up-to-date rates, call us at (830) 780-3317.


Type of Account		 Minimum
Deposit to Open
APY5		 Interest
Rate		 Interest
Compound		 Minimum Balance6 to Obtain
Annual Percentage Yield (APY)



Money Market
$0.01 - $99,999.99
1.25%
1.25%
Monthly
$0.01
$100,000 - $999,999.99
1.76%
1.75%
Monthly
$0.01
$1MM+
2.02%
2.00%
Monthly
$0.01

Deposits FAQs

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, we do encourage you to call your preferred location ahead of time to check on availability. 

Our business hours are from 8am-5pm, with the lobby open from 9am-3pm, Monday through Friday.

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 circumstances/accounts may require additional documentation.  Call 830-780-3317 for more information.

Need help deciding?

Give us a call at 830-780-3317 or visit any KCNB location.

Disclosures
  1. In excess of 6 debit transactions per month, an $8.00 fee will be incurred for each debit transaction.
  2. When using a KCNB debit card at a KCNB ATM, a fee will not be incurred.
  3. 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.
  4. Money Market Account – For average (AVG) balances of $1,500.00 or more, there is no maintenance fee. If your AVG balance per monthly statement cycle is less than $1,500.00, a fee of $8.00 will be incurred.
  5. Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period.
    If you receive a periodic statement, it will include the APY earned on your account for the period covered by the statement.
    Quoted APY is based on interest compounded monthly.  Other variations of compounding interest may be available at the customer’s request.
    Fees could reduce earnings on the account.
  6. A minimum balance of $0.01 will be eligible to obtain Annual Percentage Yield.
    Annual Percentage Yield (APY) on the Money Market Account is 0.30% of the principal balance, compounded monthly.
    Fees could reduce earnings on the account.
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