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 or  $1,000 in CD 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.
  • No fees if you have a Killbuck Savings Bank Certificate of Deposit, with a balance of at least $1,000.00.
  • 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.
  • $100.00 off our normal closing costs on home mortgages.**
  • With a "Killbuck Direct" checking account you can save up to .50% on your installment loan interest rate.**
    • .25% interest deduction if you have your loan automatically withdrawn from your Killbuck Savings Bank account.
    • .25% interest deduction if you have direct deposit into your Killbuck Direct account.

** 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 $6 $ .10 per debit $850 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 $850.00 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: $6.00
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
  • 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 $7 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: $7.00

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 with each of our checking accounts. This service is free for the first six months, after which there is a $6.95 per month fee, plus $ .35 fee for every transaction exceeding ten transactions. *Online Bill Pay is free with a Killbuck Direct checking account.

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