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On Point First Bank Kansas

KSAL Staff - August 16, 2016 1:01 pm

Opening a checking account may seem like a straightforward experience, but that’s not always the case.  As with anything, it’s important to be aware of what to consider when shopping around for a new checking account.


It’s important to always review the fees before choosing your checking account. The fees can vary widely from bank to bank and even sometimes from account to account.  One of the most common types of checking account nowadays is “Free Checking.”  While it sounds great, the word “free” can be misleading.  It may mean “free as long as you maintain a minimum balance” or “free if you use your debit card more than ten times.”  Some banks even charge monthly fees for their “free” accounts if you write too many checks.


When shopping around, an easy way to compare checking accounts is to look at their “extras.”  A truly free checking account should have one or more of the following:

  • No minimum balance
  • No monthly maintenance fee
  • No per-check charge
  • No per-transaction debit card charge
  • Unlimited check writing
  • Free debit card
  • Free bill pay
  • Free account access via
    • Text
    • Mobile App
    • Internet
    • Phone
  • Free statements (paper or online)
  • Free mobile app with mobile deposit


Business Checking is no different.  Often, a small mom and pop store or a new start up business just can’t afford the high monthly cost of a typical business checking account.  That’s why some banks have started offering free business checking, as well.  You shouldn’t have to pay a fee just because you are a small business. As with a free personal checking account, there should be at least one of the “extras” listed above.  This is just one way that a bank can give back to the small business owners in their community.  Be sure you choose a bank who cares about their home town.


Choosing the right account is only half the battle, however.  If you’ve ever moved your accounts from one bank to another, you know that switching banks can be a hassle.  Not at First Bank Kansas!  We take the hassle out of switching by doing the leg work for you.  We have over 100 forms in our data base to help with your automatic drafts and direct deposits.  If we don’t have the form, we will contact the company and obtain it for you.  We handle the whole process to make it easy for you.


Think you know everything about free checking?  Think again!  With First Bank Kansas, you not only get free personal checking and free business checking (with ALL the extras listed above), but you also get a free gift!  For those customers who are already a part of the First Bank Kansas family, we encourage you to tell a friend how great First Bank Kansas is and we’ll give you AND your friend a free gift when they open an account.

The next time you consider switching your accounts to a new bank, be prepared to ask the right questions.  Make sure you don’t end up with a bank that’s taken the “R” out of FREE.