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Best Banks & Checking Accounts in Lawrence, Kansas - May 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 12, 2026

The best checking rates for Lawrence, Kansas include Meritrust Federal Credit UnionMeritrust Federal Credit Union650 Congressional Dr, Lawrence, KS 66049 4869A+5.0 ★Texas Ratio: 4.67% Premium Perks Checking at 1.00% APY, TriCentury BankTriCentury Bank1444 Kasold Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00% Premier Personal Checking at 0.50% APY, Mid American Credit UnionMid American Credit Union550 N Wakarusa Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 5.01% e-Checking at 0.50% APY, Envista Federal Credit UnionEnvista Federal Credit Union1555 Wakarusa Dr, Lawrence, KS 66047 1803A+5.0 ★Texas Ratio: 2.83% Vantage Senior Checking at 0.25% APY, and Premier Members Credit UnionPremier Members Credit Union650 Congressional Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 4.73% Pro Checking at 0.25% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.

Lawrence has 8 local institutions in our database, with checking rates as high as 1.00% APY from Meritrust Federal Credit Union at 650 Congressional Dr, Lawrence, KS, 66049 4869. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Lawrence, Kansas. Checking Account Rates Last Updated and Verified: May 12, 2026

Compare Checking Account Rates Today in Lawrence, Kansas & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
Premium Perks Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

TriCentury Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1444 Kasold Dr
Lawrence, KS 66049
Premier Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

In Branch Only

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Lite Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

TriCentury Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1444 Kasold Dr
Lawrence, KS 66049
Premier Personal Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Business e-Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

paid monthly; Qualifying balance up to $1,000.00

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
e-Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Premier Plus Business Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.35%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Premier Plus Business Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
Community Plus Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Vantage Senior Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Premier Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
650 Congressional Dr
Lawrence, KS 66049
Pro Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
643 Massachusetts St
Lawrence, KS 66044
Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
FirstStep Youth Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Freedom Youth Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Preferred Youth Checking Account
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
1001 E 23rd St
Lawrence, KS 66046 5003
Classic Club Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Age 55 and better

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
Premium Perks Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
Community Plus Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
643 Massachusetts St
Lawrence, KS 66044
Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Checking Plus Account
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $20,000

Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Beyond Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Performance Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $30,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Citizens State Bank Moundridge, KS
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
eChecking Bonus Rate
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

4 8

ESB Financial
Institution Rating:
C+4.1 ★ Texas Ratio: 25.76%
Interest Bearing Checking Account (NOWs)
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

ESB Financial
Institution Rating:
C+4.1 ★ Texas Ratio: 25.76%
Interest Bearing Checking Account (NOWs)
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

ESB Financial
Institution Rating:
C+4.1 ★ Texas Ratio: 25.76%
Interest Bearing Checking Account (NOWs)
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Kaw Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Advantage Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Kaw Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Advantage Plus Checking
0.48%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

ESB Financial
Institution Rating:
C+4.1 ★ Texas Ratio: 25.76%
Interest Bearing Checking Account (NOWs)
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Kaw Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Advantage Plus Checking
0.45%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Premium NOW Checking
0.40%
$100
View
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Interest Checking
0.25%
$500
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
Premium Perks Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $20,000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Freedom Youth Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Golden Plains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
Gold Access Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Best Free Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Best Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,499.99

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
FirstStep Youth Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Freedom Youth Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Preferred Youth Checking Account
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 3.05%
Guide Teen Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Ark Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Student Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Age 13-21; $25.00 minimum opening balance; NO service charge; Minimum balance of $1,000 to earn dividends

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

TriCentury Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1444 Kasold Dr
Lawrence, KS 66049
Premier Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

In Branch Only

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Lite Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
550 N Wakarusa Dr
Lawrence, KS 66049
Business e-Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

paid monthly; Qualifying balance up to $1,000.00

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Premier Plus Business Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.35%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Premier Plus Business Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
650 Congressional Dr
Lawrence, KS 66049 4869
BusinessPro Elite Checking Business
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Premier Plus Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
1001 E 23rd St
Lawrence, KS 66046 5003
Business Advantage Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1555 Wakarusa Dr
Lawrence, KS 66047 1803
Premier Plus Business Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Kaw Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Business NOW Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Business NOW Checking Business
0.40%
$100
View
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Business Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Golden Belt Bank, FSA
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Advantage Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 3.05%
Prime Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 3.05%
Prime Business Checking Business
0.12%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Mutual Savings Association
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Business Interest Checking Business
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Lawrence, KS Checking Rate Trends

Compare local Lawrence, KS 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.

View Full Kansas Checking Trends →
High-Yield Checking — KS Avg
2.946%
▲ 0.557 vs 7 days ago

Kansas high-yield checking rates rose 0.557 points over the past 7 days to 2.946% APY.

Free Checking — KS Avg
0.893%
▲ 0.187 vs 7 days ago

Kansas free checking rates rose 0.187 points over the past 7 days to 0.893% APY.

As of May 13, 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 Lawrence, 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 Lawrence, 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 Lawrence, Kansas earn interest?

Most traditional local checking accounts in Lawrence, 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 Lawrence, Kansas FDIC insured?

Yes. Legitimate banks with branches in Lawrence, 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 Lawrence, Kansas

Based on our current data, some of the highest checking account APYs available to residents of Lawrence, Kansas include:
  • Meritrust Federal Credit Union
    Premium Perks Checking — 1.00% APY
  • TriCentury Bank
    Premier Personal Checking — 0.50% APY
  • Mid American Credit Union
    e-Checking — 0.50% APY
  • Envista Federal Credit Union
    Vantage Senior Checking — 0.25% APY
  • Premier Members Credit Union
    Pro Checking — 0.25% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lawrence, Kansas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 12, 2026

Lawrence, Kansas Rates & Resources

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