Best Checking Accounts & Rates in Kansas - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best checking rates for Kansas include Baxter Credit UnionBaxter Credit Union6860 W 115th St, Overland Park, KS 66211 2457A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, United Consumers Credit UnionUnited Consumers Credit Union1105 W Dennis Ave, Olathe, KS 66061A+5.0 ★Texas Ratio: 4.31% at 4.50% APY, Communication Federal Credit UnionCommunication Federal Credit Union1015 SW Wanamaker Rd, Topeka, KS 66604 3806A5.0 ★Texas Ratio: 7.85% Performance Checking at 4.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union6280 W 135th St, Overland Park, KS 66223B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, and Mid-America BankMid-America Bank802 Ames St, Baldwin City, KS 66006A+5.0 ★Texas Ratio: 0.00% Premier Checking at 2.01% APY. Checking account rates as of May 4, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Kansas side-by-side. Kansas checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 6860 W 115th St, Overland Park, KS, 66211 2457. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Kansas. Checking Account Rates Last Updated and Verified: May 4, 2026
Compare Checking Account Rates Today in Kansas
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Overland Park, KS 66211 2457
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
6860 W 115th StOverland Park, KS 66211 2457
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $15000
United Consumers Credit Union
Olathe, KS 66061
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1105 W Dennis AveOlathe, KS 66061
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $20,000
Communication Federal Credit Union
Topeka, KS 66604 3806
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1015 SW Wanamaker RdTopeka, KS 66604 3806
Performance Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $30,000.00
UNIFY Financial Federal Credit Union
Overland Park, KS 66223
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
6280 W 135th StOverland Park, KS 66223
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Baxter Credit Union
Overland Park, KS 66211 2457
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
6860 W 115th StOverland Park, KS 66211 2457
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $15000
Mid-America Bank
Baldwin City, KS 66006
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 Ames StBaldwin City, KS 66006
Premier Checking
2.01%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Citizens State Bank Moundridge, KS
Mcpherson, KS 67460
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
223 N Main StMcpherson, KS 67460
eChecking Bonus Rate
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
4; 8; 6
Meritrust Federal Credit Union
Wichita, KS 67206 3502
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
11737 E 21st St NWichita, KS 67206 3502
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
FSB Mcpherson, KS
Mcpherson, KS 67460
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
2074 E Kansas AveMcpherson, KS 67460
Elite Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Qualifications Required: 12 posted *POS/Debit Card Transactions per monthly statement; APY is 0.75% for daily balances up to $25,000. For daily balances over $25,000, the APY ranges from 0.15% to 0.75%
Sunflower Community Federal Credit Union
Marysville, KS 66508
Institution Rating:
B4.5 ★ Texas Ratio: 21.22%
407 BroadwayMarysville, KS 66508
Share Draft (Checking)
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Advantage Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Wichita Federal Credit Union
Wichita, KS 67203 4402
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
3730 W 13th St NWichita, KS 67203 4402
PROSPER Checking Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Qualifications Required: Required eStatements; Required Direct Deposit; Earn up to 0.50% APY** Dividend with an average daily balance of $2,500
TriCentury Bank
De Soto, KS 66018
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
33485 Lexington AveDe Soto, KS 66018
Premier Personal Checking
0.50%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Advantage Plus Checking
0.48%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Advantage Plus Checking
0.45%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
FSB of St. Charles, MO
Leawood, KS 66211
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
6800 College BlvdLeawood, KS 66211
Premium NOW Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
FNB of Hope
Hope, KS 67451
Institution Rating:
D3.4 ★ Texas Ratio: 34.15%
112 N Main StHope, KS 67451
1st interest Checking account
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Mid-America Bank
Baldwin City, KS 66006
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 Ames StBaldwin City, KS 66006
SuperNow Checking
0.30%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Mid-America Bank
Baldwin City, KS 66006
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 Ames StBaldwin City, KS 66006
Super NOW Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Peoples Choice Credit Union
Coffeyville, KS 67337
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
402 W 12th StCoffeyville, KS 67337
Super Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Overland Park, KS 66211 2457
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
6860 W 115th StOverland Park, KS 66211 2457
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $15000
United Consumers Credit Union
Olathe, KS 66061
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1105 W Dennis AveOlathe, KS 66061
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $20,000
Communication Federal Credit Union
Topeka, KS 66604 3806
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1015 SW Wanamaker RdTopeka, KS 66604 3806
Performance Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $30,000.00
Baxter Credit Union
Overland Park, KS 66211 2457
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
6860 W 115th StOverland Park, KS 66211 2457
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $15000
UNIFY Financial Federal Credit Union
Overland Park, KS 66223
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
6280 W 135th StOverland Park, KS 66223
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Mid-America Bank
Baldwin City, KS 66006
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 Ames StBaldwin City, KS 66006
Premier Checking
2.01%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Citizens State Bank Moundridge, KS
Mcpherson, KS 67460
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
223 N Main StMcpherson, KS 67460
eChecking Bonus Rate
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
4; 8; 6
Meritrust Federal Credit Union
Wichita, KS 67206 3502
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
11737 E 21st St NWichita, KS 67206 3502
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Advantage Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Advantage Plus Checking
0.48%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Advantage Plus Checking
0.45%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
FSB of St. Charles, MO
Leawood, KS 66211
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
6800 College BlvdLeawood, KS 66211
Premium NOW Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
FNB of Hope
Hope, KS 67451
Institution Rating:
D3.4 ★ Texas Ratio: 34.15%
112 N Main StHope, KS 67451
1st interest Checking account
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Legacy Bank Colwich, KS
Pratt, KS 67124
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
223 S Main StPratt, KS 67124
Interest Checking
0.25%
$500
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
FNB of Hope
Hope, KS 67451
Institution Rating:
D3.4 ★ Texas Ratio: 34.15%
112 N Main StHope, KS 67451
1st interest Checking account
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Meritrust Federal Credit Union
Wichita, KS 67206 3502
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
11737 E 21st St NWichita, KS 67206 3502
Community Plus Checking
0.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
Monthly Service Charge: ; First 50 items included; $0.25 per item in excess of 50 per month.
Exchange Bank & Trust
Atchison, KS 66002
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
600 Commercial StAtchison, KS 66002
50 Plus Interest Checking
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
Exchange Bank & Trust
Atchison, KS 66002
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
600 Commercial StAtchison, KS 66002
Interest Checking
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
First Federal Bank of Kansas City
Kansas City, KS 66101
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
711 Minnesota AveKansas City, KS 66101
Premier Interest Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Campus Credit Union
Wichita, KS 67208
Institution Rating:
B4.7 ★ Texas Ratio: 19.23%
4960 E 21st St NWichita, KS 67208
Advantage Checking Account
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
United Consumers Credit Union
Olathe, KS 66061
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1105 W Dennis AveOlathe, KS 66061
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Qualifying balance up to $20,000
Meritrust Federal Credit Union
Wichita, KS 67206 3502
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
11737 E 21st St NWichita, KS 67206 3502
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Unity One Credit Union
Kansas City, KS 66106
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
4150 Kansas AveKansas City, KS 66106
Best Free Checking
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Unity One Credit Union
Kansas City, KS 66106
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
4150 Kansas AveKansas City, KS 66106
Best Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Overland Park, KS 66223
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
6280 W 135th StOverland Park, KS 66223
FREE Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Overland Park, KS 66223
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
6280 W 135th StOverland Park, KS 66223
FREE Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ark Valley Credit Union
Arkansas City, KS 67005
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
1515 N Summit StArkansas City, KS 67005
Student Checking Account: Age 13-21
0.15%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 2, 2026
Details
$25.00 minimum opening balance; NO service charge; Minimum balance of $1,000 to earn dividends
Credit Union of Dodge City Credit Union
Dodge City, KS 67801
Institution Rating:
A+5.0 ★ Texas Ratio: 3.05%
802 W Trail StDodge City, KS 67801
Guide Teen Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TriCentury Bank
De Soto, KS 66018
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
33485 Lexington AveDe Soto, KS 66018
Premier Business Checking
0.50%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Kaw Valley Bank
Topeka, KS 66608
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
1110 N Kansas AveTopeka, KS 66608
Business NOW Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Meritrust Federal Credit Union
Wichita, KS 67206 3502
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
11737 E 21st St NWichita, KS 67206 3502
BusinessPro Lite Checking
0.50%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
Monthly Service Charge: $10, waived when you maintain a $2,500 minimum average daily balance or reduced by $0.50 each time you use your business debit card, up to $10; First 100 items included; $0.25 per item in excess of 100 per month.
FSB of St. Charles, MO
Leawood, KS 66211
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
6800 College BlvdLeawood, KS 66211
Business NOW Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
Envista Federal Credit Union
Topeka, KS 66614 4528
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker RdTopeka, KS 66614 4528
Premier Plus Business Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000+
Envista Federal Credit Union
Topeka, KS 66614 4528
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker RdTopeka, KS 66614 4528
Premier Plus Business Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000 - $99,999
Baxter Credit Union
Overland Park, KS 66211 2457
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
6860 W 115th StOverland Park, KS 66211 2457
Premier Business Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Mid-America Bank
Baldwin City, KS 66006
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 Ames StBaldwin City, KS 66006
Business Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
United Consumers Credit Union
Olathe, KS 66061
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1105 W Dennis AveOlathe, KS 66061
Business Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Golden Belt Bank, FSA
Hays, KS 67601
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
1100 E 27th StHays, KS 67601
Advantage Business Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
Mainstreet Federal Credit Union
Lenexa, KS 66215 3726
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
13001 W 95th StLenexa, KS 66215 3726
Business Advantage Checking*
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No additional details provided.
Stock Exchange Bank, Caldwell, KS
Caldwell, KS 67022
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 S Main StCaldwell, KS 67022
Business Interest Checking Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
Mutual Savings Association
Leavenworth, KS 66048
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
100 S 4th StLeavenworth, KS 66048
Business Interest Checking
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
First Federal Bank of Kansas City
Kansas City, KS 66101
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
711 Minnesota AveKansas City, KS 66101
Business Interest Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Envista Federal Credit Union
Topeka, KS 66614 4528
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker RdTopeka, KS 66614 4528
Premier Plus Business Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$25,000 - $49,999
First Federal Bank of Kansas City
Kansas City, KS 66101
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
711 Minnesota AveKansas City, KS 66101
Business Interest Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No additional details provided.
Envista Federal Credit Union
Topeka, KS 66614 4528
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker RdTopeka, KS 66614 4528
Premier Plus Business Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$0 - $24,999
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Kansas Checking Rate Trends
Compare local Kansas checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Checking — KS Avg
2.257%
▼ 0.384 vs 7 days ago
Kansas high-yield checking rates fell 0.384 points over the past 7 days to 2.257% APY.
Free Checking — KS Avg
0.810%
▼ 0.087 vs 7 days ago
Kansas free checking rates fell 0.087 points over the past 7 days to 0.810% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Kansas directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Kansas. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in KS.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Kansas earn interest?
Most traditional local checking accounts in Kansas earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.
Are banks in Kansas FDIC insured?
Yes. Legitimate banks with branches in Kansas are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.
What fees should I watch out for?
Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.
What is a Rewards Checking account?
Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.
Best Checking Rates in Kansas
Based on our current data, some of the highest checking account APYs available to residents of Kansas include:
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - United Consumers Credit Union
— 4.50% APY - Communication Federal Credit Union
Performance Checking — 4.00% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY - Mid-America Bank
Premier Checking — 2.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kansas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 4, 2026
Checking Account Rates by City in Kansas
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