Choose the account that’s right for you.
Regular Checking
- No monthly maintenance fee
- Unlimited number of transactions per month
- NO KCNB ATM Fees1
- Issued Visa Debit Card
- Compatible with KCNB Online Banking2
NOW Account
- NO KCNB ATM Fees1
- Interest Bearing Checking Account
- Unlimited number of transactions per month
- Issued Visa Debit Card
- Compatible with KCNB Online Banking2
- No monthly maintenance fee (for average balances over $1,000)3
Super NOW
- NO KCNB ATM Fees1
- Interest Bearing Checking Account
- Unlimited number of transactions per month
- Issued Visa Debit Card
- Compatible with KCNB Online Banking2
- No monthly maintenance fee (for average balances over $1,500)3
Looking for information on our Commercial Checking Account? Click here.
KCNB Checking Account Rates
Rates Effective as of September 5, 2024. For the most up-to-date rates, call your local KCNB branch.
| Type of Account | Minimum Deposit to Open | Minimum Balance5 to Obtain Annual Percentage Yield (APY) | Interest Rate | APY4 | Interest Compound |
|---|---|---|---|---|---|
Regular Checking | $200.00 | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
NOW Account | $1,000.00 | $0.01 | 0.30% | 0.30% | Monthly |
Super NOW | $1,500.00 | $0.01 | 1.00% | 1.00% | Monthly |
Deposits FAQs
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 can also be found 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, 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.
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 830-780-3317 for more information.
Need help deciding?
Give us a call at 830-780-3317 or visit any KCNB location.
- When using a KCNB debit card at a KCNB ATM, a fee will not be incurred.
- 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.
- NOW Account –
If your average balance per monthly statement cycle:
Is less than $500.00, a maintenance fee of $8.00 will be incurred;
Is between $500.00 and $999.99, a maintenance fee of $6.00 will be incurred;
Is $1,000.00 or more, there is no maintenance fee.
Super NOW 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. - 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.
