Personal Checking

Our checking account options give you the
convenience and flexibility you deserve.

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Accounts
More Details Monthly Fee Service Fees Minimum Balance
To Avoid Fees
Interest ATM/ Debit Card
Regular Checking Info $4 $ .10 per debit $400 No Yes

Regular Personal Checking

Our Personal Checking account is a convenient way to do your personal banking, with low monthly balance requirements and service fees. A "regular statement" is provided. E-Statements are available upon request.

  • No fees if you maintain a balance of $400.00 during the statement cycle.
  • If you fall below the minimum balance requirements any time during the statement cycle, the following fees will be levied.

Monthly Maintenance Fee: $4.00.
Service Fee: $.10 per check or debit.

Check Protection is an overdraft protection service available to our customers. It works as an automatic transfer from a Personal Passbook Savings or Money Market Accounts to a checking account to cover potential overdrafts. Check Protection is available to customers in good standing with the bank who have a checking account as well as a savings or money market account. Sorry, it is NOT available for corporations or partnerships. Check Protection transfers are included in the "six draws per month" limit on money market and savings accounts.

Here's how it works . . . Step 1: We scan the available balance on a checking account before posting a check for payment.

Step 2: If posting the check will cause an overdraft, an automatic transfer is generated from your savings or money market account in increments of $50.00.

Step 3: This process will occur for each check that clears throughout the day. At the end of the day, a $5.00 service charge will be assessed on the checking account. Therefore, even if several checks clear in a single day requiring Check Protection, you are only charged once.

Have you "Opted In" yet? Click here for our convenient Opt In form.

Killbuck Direct* Info None None None No Yes

Killbuck Direct - Free Checking

If you have your payroll, pension, or social security directly deposited into your checking, then this account is right for you. A "basic statement" is provided. E-Statements are available upon request.

  • No minimum balance requirements.
  • Unlimited check writing privileges.
  • Free Online Bill Pay.
    Free Notary Service.
  • Installment Loan discount of .25%.

** All loans are subject to approval. Rate discount does not apply to mortgage or business loans.

Contact one of our lending professionals for our current loan rates.

Now Info $8 $ .10 per debit $1,000 Yes Yes

NOW Checking

If you carry a high balance in your checking account(s) and want to earn interest on your money, then a NOW account would be an ideal choice for you. Interest rates are comparable to the rates many banks pay on savings accounts.  Click here to see the current interest rate. Any fees incurred could reduce earnings. A "regular statement" is provided.   E-Statements are available upon request.

  • There is an $1,000.00 minimum balance requirement.
  • If you fall below the minimum balance requirements, any time during the statement cycle, the following fees will be levied.

Monthly Maintenance Fee: $8.00
Service Fee: $.10 per check or debit

Senior (60) Info None None None No Yes

Senior Checking - Free Checking

If you are 60 years of age or older, then our Senior Checking Account is the one for you.

  • No minimum balance requirements.
  • No maintenance or service charge.
  • Free basic style checks, or $4.00 towards any other check style.
  • Free money orders and cashiers checks.
  • No charge for photo copies.
  • Free Notary Service
    Free Online Bill Pay.
  • A "regular statement" is provided. E-Statements are available upon request.
Student Checking Info None None None No Yes

Student Checking

Available for fulltime students under 24 years of age. There are no minimum balance requirements and no maintenance or service fees. Free Online Bill Pay and E-Statements are available upon request. The account holder is provided with a "basic statement." When the account holder reaches 24 years of age the account will be converted to a Regular Personal Checking Account.

  • No minimum balance requirements.
  • No maintenance or service charges.
Super Now Info $8 None $2,000 Yes Yes

Super NOW Account

These accounts carry an interest rate comparable to the rate many banks pay on savings accounts. Unlike some banks, our Super NOW Account pays interest on ALL balances. Click here to see the current interest rate. Any fees incurred could reduce earnings. A "regular statement" is provided. E-Statements are available upon request.

  • There is a $2,000.00 minimum balance requirement.
  • If you fall below the minimum balance requirements, any time during the statement cycle, the following fee will be levied.

Monthly Maintenance Fee: $8.00

We offer:

MasterCard Debit Card is a convenient way to make purchases without carrying a check book every where you go.  With our MasterCard Debit Card, we have put our most popular services in the palm of your hand.  Purchase groceries, gas, or anything desired wherever MasterCard is accepted worldwide. This card gives you convenient 24 hour banking worldwide without ever writing a check.  Click here to view the 4 card styles available.

  • Daily limit of $400.00 cash and $1,000.00 daily total, these limits may be changed upon approval from the bank.

To change your PIN call 1-844-861-5161.

The potential for Debit Card Fraud continues to grow.  As your financial partner, The Killbuck Savings Bank has put tools in place to combat possible fraud.  Our systems will attempt to verify suspected fraudulent activity by attempting to contact you by 1.) email, 2.) text and 3.) by telephone, when potential fraud is noticed on your Debit Card.  Upon receipt of this alert you will be prompted to reply “Authorized or Not Authorized” in regard to the questioned transaction (s). At no time, will you be asked to supply a PIN or password.

PLEASE NOTE:  If you are traveling out of Ohio, please contact us before you go so that we can make note on your debit card account to protect you against possible fraud. 

Our ATM card allows you to make deposits, transfer funds, check account balances, or withdrawal cash worldwide.  These are also available in the 4 card styles and give you convenience of banking 24 hours a day.

  • Daily cash withdrawal limit of $400.00, which can be increased upon approval from the bank.

Please notify us immediately if your MasterCard Debit Card or ATM card is lost or stolen.  After regular business hours, please call 1-800-682-6075.

Statement Formats: We now offer monthly statements in several formats:

  1. Basic Statement - a detailed paper statement without check images.
  2. E-Statements - electronically delivered statement to your home or business computer which includes check images.
  3. Regular Statement - paper statement with check images.

Online Bill Pay is available and this service is free.

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