Free Checking Account in Kansas City

Three accounts that pay you and a totally Free* Checking account. Kansas City area residents can get paid to save!

Every new personal checking account includes:

• Unlimited FREE ATM transactions at Citizens Bank & Trust ATMs throughout the metro Kansas City area and beyond and Transfund No Charge Network

• FREE Debit Card

• FREE Online Banking and Billpayer

• FREE return of check images with eStatements for easy recordkeeping¹                                                                               

• FREE easy-to-balance monthly eStatements                                                          

• FREE gift

• FREE money for your old checks and debit cards (Up to $25 for your old checks and debit card from another institution!) ¹ 

No checking account is complete without 24/7 access, so take a look at your Account Enhancement Options!

Totally Free* Checking –
A FREE account for everyone!

• No minimum balance or monthly service charge

• Unlimited check writing each and every month

• Monthly eStatement

• Low $50 minimum opening deposit  

50+ Free* Checking with Interest –
FREE for customers 50 and over!

• Competitive interest (on your entire balance)

• No minimum balance or monthly service charge

• Unlimited check writing each and every month

• Monthly eStatement

• Low $50 minimum opening deposit

VIP Free* Checking with Interest–
FREE checking with the convenience of direct deposit or automatic loan payment!

• Competitive interest on your entire balance!

• No minimum balance or monthly service charge

• Unlimited check writing each and every month

• Monthly eStatement

• Low $50 minimum opening deposit

Elite Interest Checking with Interest–
An account for those interested in higher interest!

• Higher interest rates with balances of $2,500 or more

• Competitive interest rate if balance falls below $2,500

• FREE personalized checks

• Only $9 monthly charge if minimum balance falls below $2,500

• Unlimited check writing each and every month

• Monthly eStatement

• $2,500 minimum opening deposit

Student Checking –
A FREE account for Students 13 years or older!

• No minimum balance or monthly service charge

• Free eStatement

• Free school debit card (not all schools available)

• Low $25 minimum opening deposit

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rates and regulations apply. ¹ Not applicable to student accounts. *Free with eStatements only.

Account Enhancement Options

Debit Card- It’s faster, easier and more secure than writing checks. Use your debit card for purchases anywhere you see the VISA logo displayed, as well as ATMs for instant cash. Purchases and ATM withdrawals are subject to a daily dollar limit for your safety.
 

ebankCBT Online Banking- FREE online banking teamed up with FREE Billpayer  and FREE Mobi-bank means you may not only bank in your pajamas, you can pay your bills at the same time! InterBank Transfer Service makes it easy to move your funds.

Direct Deposit- It's the safe, secure, and convenient way to have paychecks, dividends, or social security/pension checks deposited automatically. And we'll do the legwork for you!

Free Business Checking- Need a better business account? Totally Free Business Checking is the perfect account for most businesses.

KITT Phone Banking- Keep In Touch Teller is available 24/7 from any touchtone phone. Check your balance and verify cleared checks and deposits with one, toll-free phone call.

ATM Card- Even diehard check writers sometimes need quick cash. Use our ATM card around the block or around the world. ATM withdrawals are subject to a daily dollar limit for your safety. ATM cards are available at account opening.

Safe Deposit Box- Keep your important documents and keepsakes safe and secure. Sizes and availability vary by location, so ask your regular branch about available options.

To start your own free checking account, Kansas City and Northern Missouri area residents should contact Citizens Bank & Trust.