Not Today, Debt.

With a KCNB Regular Savings Account, you can keep a balance as low as $100 and avoid maintenance fees!1

Regular Savings

$ 100
00 minimum to open
  • Interest-bearing Savings Account
  • No quarterly maintenance fee (for average balances over $100)1
  • Compatible with KCNB Online Banking2
  • 9 Debits per quarter3

KCNB Savings Rates

Rates Effective as of May 31, 2024.  For the most up-to-date rates, call your local KCNB branch.

Type of Account
Deposit to Open
Minimum Balance5 to Obtain
Annual Percentage Yield (APY)

Regular Savings

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.

  1. Regular Savings Account –
    If your average balance per quarterly statement cycle: 
    Is less than $10.00, a maintenance fee of $4.00 will be incurred; 
    Is between $10.00 and $49.99 a maintenance fee of $3.00 will be incurred;
    Is between $50.00 and $99.99 a maintenance fee of $1.50 will be incurred;
    Is $100.00 or more, there is no maintenance fee. 
  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. In excess of 9 debit transactions per quarter, a $1.00 fee will be incurred for each debit transaction.
  4. Quoted APY is based on interest compounded quarterly.  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. 
  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.

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