Tradition meets tomorrow.
While our past is rooted in generations of trust and reliability, we’ve made big strides to deliver a future of secure online services for our customers.
Rates Effective as of September 1, 2025. For the most up-to-date rates, call your local KCNB branch.
Patron Select
Minimum Deposit to Open:
$200.00
Features:
- Statement Cycle: Monthly
- Statement Cycle Debit Limit: Unlimited
- Debit Limit Exceeded Fee: Not Applicable
- Statement Delivery:
- e-Statements: No Charge
- Paper Statements: $2.00 per month
- Minimum Balance (To avoid maintenance fees):
- If your average balance per statement cycle:
- Is less than $300.00 … $8.00
- Is $300.00 to $499.99 … $6.00
- is $500.00 or more … No Fee
- If your average balance per statement cycle:
Patron Gold - 55+
Minimum Deposit to Open:
$200.00
Features:
- Statement Cycle: Monthly
- Statement Cycle Debit Limit: Unlimited
- Debit Limit Exceeded Fee: Not Applicable
- Statement Delivery:
- e-Statements: No Charge
- Paper Statements: Fee waived
- Minimum Balance (To avoid maintenance fees):
- Not applicable
Patron Youth
Customers up to 25 Years of Age
Minimum Deposit to Open:
$50.00
Features:
- Statement Cycle: Monthly
- Statement Cycle Debit Limit: Unlimited
- Debit Limit Exceeded Fee: Not Applicable
- Statement Delivery:
- e-Statements: No Charge
- Paper Statements: $2.00 per month
- Minimum Balance:
- Not Applicable
Frequently Asked Questions
Am I able to submit my application online?
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 we make some formats available on our website in a fillable and downloadable PDF format.
Do I need an appointment to see a New Accounts Representative?
We do not schedule appointments to meet with our representatives. However, you may call your preferred location ahead of time to check on availability.
What will I need to bring with me to open an account?
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 your local branch for more information.
- When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
- Interest-bearing accounts are described in more detail in our product disclosures and are available by request.
- 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.
- Quoted APY is based on interest compounded monthly. At our discretion, the rate and APY 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. 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.
