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Checking Rate Trends

Medicine Lodge, Kansas Best Checking Accounts & Rates October 2026

Medicine Lodge, Kansas checking account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 31, 2026. The best checking rates for Medicine Lodge, Kansas include Citizens Bank of KansasCitizens Bank of Kansas120 E Kansas Ave, Medicine Lodge, KS 67104A-4.2 ★Texas Ratio: 0.66%Rate verified Oct 31, 2026 50+ Interest Checking at 0.02% APY, Wisdom Heritage BankWisdom Heritage BankA+5.0 ★Texas Ratio: 5.47%Rate verified Oct 28, 2026 Free Heritage Cash Checking at 6.00% APY, ESB FinancialESB FinancialA5.0 ★Texas Ratio: 13.44%Rate verified Oct 27, 2026 Kasasa Cash Checking at 5.04% APY, Security State Bank Scott City, KSSecurity State Bank Scott City, KSA+5.0 ★Texas Ratio: 1.74%Rate verified Oct 31, 2026 Interest Reward Checking at 5.00% APY, and Silver Lake BankSilver Lake BankA+5.0 ★Texas Ratio: 0.02%Rate verified Oct 26, 2026 Kasasa Cash - Enhanced Rewards Checking at 5.00% APY. Checking account rates as of October 31, 2026 according to verified data from MonitorBankRates.

Medicine Lodge has 1 local institution in our database, with checking rates as high as 0.02% APY from Citizens Bank of Kansas at 120 E Kansas Ave, Medicine Lodge, KS, 67104. Use the tabs below to compare all available checking account types. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Medicine Lodge, Kansas. Checking Account Rates Last Updated and Verified: October 31, 2026

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

Institutions:

Medicine Lodge Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
50+ Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
Platinum Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
Priority Business Checking Business
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
Priority Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Wisdom Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Free Heritage Cash Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Interest rate 5.84% resulting in 6.00% APY when qualifications are met; Refunds on ATM withdrawal fees nationwide up to $25 monthly; $100 minimum deposit to open

Rate History
No change since Oct 15, 2026 · 6.00% APY · checked 3 times
5.50%6.00%6.50%Oct 15, 2026: 6.00% APYOct 15, 2026Oct 31, 2026
ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
Kasasa Cash Checking
5.04%
$300
▼
Rate4.93%
Min Deposit$300
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: 0 - $20,000

Rate History
No change since Sep 20, 2026 · 5.04% APY · checked 8 times
4.54%5.04%5.54%Sep 20, 2026: 5.04% APYSep 20, 2026Oct 31, 2026
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Interest Reward Checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 12 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Enhanced Rewards Checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; 1.00% to 5.00% APY on balances over $25,000; 0.05% APY if qualifications are not met; Account opening channels not specified

Rate History
No change since Oct 21, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 21, 2026: 5.00% APYOct 21, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Multi Level Enhanced Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $25,000; Balance up to $25,000 for the featured rate

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 31, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
High Yield Checking
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $0-$5,000; Qualifying balance up to $5,000

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 31, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: Up to $20,000.00

Rate History
1 change since Sep 14, 2026 · 0.01% → 4.50% ▲ 4.49 pts · high 4.50% / low 0.01%
0.00%4.50%8.99%Sep 14, 2026: 0.01% APYOct 14, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.50%▲ from 0.01%
  • Sep 14, 20260.01%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required; Balance: 0 to $10,000

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 10 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Premier Checking
4.07%
$50
▼
Rate4.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0.00 - $19,999.99; Qualifying balance up to $19,999.99; Bonus rate only applies when additional requirements are met

Rate History
2 changes since Sep 19, 2026 · 2.01% → 4.07% ▲ 2.06 pts · high 4.07% / low 2.01%
0.00%3.07%6.13%Sep 19, 2026: 2.01% APYOct 14, 2026: 2.02% APYOct 20, 2026: 4.07% APYSep 19, 2026Oct 31, 2026
  • Oct 20, 20264.07%▲ from 2.02%
  • Oct 14, 20262.02%▲ from 2.01%
  • Sep 19, 20262.01%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Beyond Checking
4.07%
$25
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00; Bonus rate requirements per qualification cycle; Minimum $25 initial deposit to open

Rate History
1 change since Sep 14, 2026 · 0.10% → 4.07% ▲ 3.97 pts · high 4.07% / low 0.10%
0.00%4.02%8.04%Sep 14, 2026: 0.10% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.07%▲ from 0.10%
  • Sep 14, 20260.10%first recorded
The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Free Kasasa Cash Checking
4.00%
$50
▼
Rate3.93%
Min Deposit$50
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $0.00 - $50,000.00; Qualifying balance up to $50,000.00; Balances over $50,000 earn 4.00% to 1.67% APY depending on balance; Without qualifications: 0.05% APY; Refunds on ATM withdrawal fees, nationwide

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Multi Level Principal Rewards Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $25,000; Balance up to $25,000 for the featured rate

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Principal Rewards Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; 1.00% to 4.00% APY on balances over $25,000; 0.05% APY if qualifications are not met

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.32%
Performance Checking - Requirements Met Minimum to Open
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

$25; Qualifications Required; Balance: $0 - $30,000

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
High Interest Checking
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0-$10,000; Higher tier above $10,000 not extracted (blended)

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 31, 2026
Skyward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Aim Higher Checking
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required: 10 debit card transactions; log in to online banking at least once; e-statements every month; Interest rate on balances up to $10,000; requires qualifying debit card transactions, online login and e-statements monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Plus checking
2.89%
$1,000
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.01 to $100,000; Qualifying balance up to $100,000; When activity requirements met

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 11 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 31, 2026
Peoples Bank and Trust Company (KS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
High Interest Checking
2.25%
$50
▼
Rate2.23%
Min Deposit$50
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $20,000.00; Qualifying balance up to $20,000.00; Nationwide ATM fee refunds up to $25

Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Smart Start Checking (Minor Account)
2.01%
$50
▼
Rate2.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0 - $20,000.00; Minor Account

Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 4 times
1.51%2.01%2.51%Oct 20, 2026: 2.01% APYOct 20, 2026Oct 31, 2026
ECB Eastern Colorado Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Freedom BOOST Checking Account
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.01 - $25,000.00; Qualifying balance up to $25,000.00; See Truth in Savings Disclosure for reward criteria

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 31, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
SUPERSMART E-CHECKING (QUALIFIED)
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0.00 - $25,000.99; May change after account opening

Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 31, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
INTEREST CHECKING
1.50%
$1,500
▼
Rate1.49%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100,000.00 and over; May change after account opening

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 31, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Advantage Checking
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $100,000 And Above

Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 30, 2026: 1.50% APYSep 30, 2026Oct 31, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
ePower Checking
1.41%
$100
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: Up to $25,000.00; Available to Personal Accounts only; No monthly service charge; ATM refunds up to $25 per cycle if requirements are met

Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 12 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Oct 31, 2026
Pinnacle Bank Lincoln, NE
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Interest Checking Account
1.10%
$100
▼
Rate1.09%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $1,000,000.00 and up; Rates apply to accounts opened online only

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 9 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 31, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★ Texas Ratio: 21.68%
Premium Business Checking Business
1.00%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0.00 - $9,999.99; Lincoln, Omaha and Salina, KS Market Only; $25 monthly charge for balances under $10,000.00; Free Remote Deposit Capture Machine for balances above $50,000.00

Rate History
No change since Sep 29, 2026 · 1.00% APY · checked 11 times
0.50%1.00%1.50%Sep 29, 2026: 1.00% APYSep 29, 2026Oct 31, 2026
Citizens State Bank Moundridge, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
eChecking Bonus Rate
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Qualifying balance up to $25,000; Minimum daily balance of $500.00 each day of the statement cycle

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: up to $15,000; Introductory APY 4.00%; Introductory Dividend Rate 3.93%

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 4.00%; Introductory Dividend Rate: 3.93%

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 31, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

$2,500.00 minimum balance required to earn the advertised APY

Rate History
1 change since Sep 18, 2026 · 4.00% → 1.00% ▼ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 18, 2026: 4.00% APYOct 13, 2026: 1.00% APYSep 18, 2026Oct 31, 2026
  • Oct 13, 20261.00%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
INTEREST CHECKING
0.80%
$1,500
▼
Rate0.80%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000.00 - $99,999.99; May change after account opening

Rate History
No change since Sep 27, 2026 · 0.80% APY · checked 5 times
0.30%0.80%1.30%Sep 27, 2026: 0.80% APYSep 27, 2026Oct 31, 2026
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
e-Checking
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: up to $25,000; Variable rates may vary after account is open

Rate History
No change since Sep 11, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 11, 2026: 0.75% APYSep 11, 2026Oct 31, 2026
FSB Mcpherson, KS
Institution Rating:
A+4.9 ★ Texas Ratio: 0.04%
Elite Checking
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifying balance up to $25,000.00; To avoid monthly maintenance fee: 12 posted *POS/Debit Card Transactions per monthly statement

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 9 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 31, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Advantage Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $50,000 To $99,999.99

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 31, 2026

Medicine Lodge High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
50+ Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
Platinum Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
Priority Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Wisdom Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Free Heritage Cash Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Interest rate 5.84% resulting in 6.00% APY when qualifications are met; Refunds on ATM withdrawal fees nationwide up to $25 monthly; $100 minimum deposit to open

Rate History
No change since Oct 15, 2026 · 6.00% APY · checked 3 times
5.50%6.00%6.50%Oct 15, 2026: 6.00% APYOct 15, 2026Oct 31, 2026
ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
Kasasa Cash Checking
5.04%
$300
▼
Rate4.93%
Min Deposit$300
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: 0 - $20,000

Rate History
No change since Sep 20, 2026 · 5.04% APY · checked 8 times
4.54%5.04%5.54%Sep 20, 2026: 5.04% APYSep 20, 2026Oct 31, 2026
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Interest Reward Checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 12 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Enhanced Rewards Checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; 1.00% to 5.00% APY on balances over $25,000; 0.05% APY if qualifications are not met; Account opening channels not specified

Rate History
No change since Oct 21, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 21, 2026: 5.00% APYOct 21, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Multi Level Enhanced Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $25,000; Balance up to $25,000 for the featured rate

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 31, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
High Yield Checking
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $0-$5,000; Qualifying balance up to $5,000

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 31, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: Up to $20,000.00

Rate History
1 change since Sep 14, 2026 · 0.01% → 4.50% ▲ 4.49 pts · high 4.50% / low 0.01%
0.00%4.50%8.99%Sep 14, 2026: 0.01% APYOct 14, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.50%▲ from 0.01%
  • Sep 14, 20260.01%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required; Balance: 0 to $10,000

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 10 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Premier Checking
4.07%
$50
▼
Rate4.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0.00 - $19,999.99; Qualifying balance up to $19,999.99; Bonus rate only applies when additional requirements are met

Rate History
2 changes since Sep 19, 2026 · 2.01% → 4.07% ▲ 2.06 pts · high 4.07% / low 2.01%
0.00%3.07%6.13%Sep 19, 2026: 2.01% APYOct 14, 2026: 2.02% APYOct 20, 2026: 4.07% APYSep 19, 2026Oct 31, 2026
  • Oct 20, 20264.07%▲ from 2.02%
  • Oct 14, 20262.02%▲ from 2.01%
  • Sep 19, 20262.01%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Beyond Checking
4.07%
$25
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00; Bonus rate requirements per qualification cycle; Minimum $25 initial deposit to open

Rate History
1 change since Sep 14, 2026 · 0.10% → 4.07% ▲ 3.97 pts · high 4.07% / low 0.10%
0.00%4.02%8.04%Sep 14, 2026: 0.10% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.07%▲ from 0.10%
  • Sep 14, 20260.10%first recorded
The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Free Kasasa Cash Checking
4.00%
$50
▼
Rate3.93%
Min Deposit$50
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $0.00 - $50,000.00; Qualifying balance up to $50,000.00; Balances over $50,000 earn 4.00% to 1.67% APY depending on balance; Without qualifications: 0.05% APY; Refunds on ATM withdrawal fees, nationwide

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Multi Level Principal Rewards Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $25,000; Balance up to $25,000 for the featured rate

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Principal Rewards Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; 1.00% to 4.00% APY on balances over $25,000; 0.05% APY if qualifications are not met

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.32%
Performance Checking - Requirements Met Minimum to Open
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

$25; Qualifications Required; Balance: $0 - $30,000

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
High Interest Checking
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0-$10,000; Higher tier above $10,000 not extracted (blended)

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 31, 2026
Skyward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Aim Higher Checking
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required: 10 debit card transactions; log in to online banking at least once; e-statements every month; Interest rate on balances up to $10,000; requires qualifying debit card transactions, online login and e-statements monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Plus checking
2.89%
$1,000
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.01 to $100,000; Qualifying balance up to $100,000; When activity requirements met

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 11 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 31, 2026
Peoples Bank and Trust Company (KS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
High Interest Checking
2.25%
$50
▼
Rate2.23%
Min Deposit$50
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $20,000.00; Qualifying balance up to $20,000.00; Nationwide ATM fee refunds up to $25

Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Smart Start Checking (Minor Account)
2.01%
$50
▼
Rate2.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0 - $20,000.00; Minor Account

Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 4 times
1.51%2.01%2.51%Oct 20, 2026: 2.01% APYOct 20, 2026Oct 31, 2026
ECB Eastern Colorado Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Freedom BOOST Checking Account
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.01 - $25,000.00; Qualifying balance up to $25,000.00; See Truth in Savings Disclosure for reward criteria

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 31, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
SUPERSMART E-CHECKING (QUALIFIED)
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0.00 - $25,000.99; May change after account opening

Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 31, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
INTEREST CHECKING
1.50%
$1,500
▼
Rate1.49%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100,000.00 and over; May change after account opening

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 31, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Advantage Checking
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $100,000 And Above

Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 30, 2026: 1.50% APYSep 30, 2026Oct 31, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
ePower Checking
1.41%
$100
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: Up to $25,000.00; Available to Personal Accounts only; No monthly service charge; ATM refunds up to $25 per cycle if requirements are met

Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 12 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Oct 31, 2026
Pinnacle Bank Lincoln, NE
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Interest Checking Account
1.10%
$100
▼
Rate1.09%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $1,000,000.00 and up; Rates apply to accounts opened online only

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 9 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 31, 2026
Citizens State Bank Moundridge, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
eChecking Bonus Rate
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Qualifying balance up to $25,000; Minimum daily balance of $500.00 each day of the statement cycle

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: up to $15,000; Introductory APY 4.00%; Introductory Dividend Rate 3.93%

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 4.00%; Introductory Dividend Rate: 3.93%

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 31, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

$2,500.00 minimum balance required to earn the advertised APY

Rate History
1 change since Sep 18, 2026 · 4.00% → 1.00% ▼ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 18, 2026: 4.00% APYOct 13, 2026: 1.00% APYSep 18, 2026Oct 31, 2026
  • Oct 13, 20261.00%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
INTEREST CHECKING
0.80%
$1,500
▼
Rate0.80%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000.00 - $99,999.99; May change after account opening

Rate History
No change since Sep 27, 2026 · 0.80% APY · checked 5 times
0.30%0.80%1.30%Sep 27, 2026: 0.80% APYSep 27, 2026Oct 31, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Advantage Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $50,000 To $99,999.99

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 31, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Super Advantage Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $50,000 And Above

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 31, 2026
Pinnacle Bank Lincoln, NE
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Interest Checking Account
0.71%
$100
▼
Rate0.71%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $250,000.00 - $999,999.99; Rates apply to accounts opened online only

Rate History
No change since Sep 14, 2026 · 0.71% APY · checked 9 times
0.21%0.71%1.21%Sep 14, 2026: 0.71% APYSep 14, 2026Oct 31, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
INTEREST CHECKING
0.50%
$1,500
▼
Rate0.50%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $25,000.00 - $49,999.99; May change after account opening

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 31, 2026
Kaw Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Advantage Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $1,000.00 or more to earn interest; Interest rate subject to change daily, Fees may reduce earnings

Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 31, 2026

Medicine Lodge Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
ESB Financial
Institution Rating:
A5.0 ★ Texas Ratio: 13.44%
Kasasa Cash Checking
5.04%
$300
▼
Rate4.93%
Min Deposit$300
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: 0 - $20,000

Rate History
No change since Sep 20, 2026 · 5.04% APY · checked 8 times
4.54%5.04%5.54%Sep 20, 2026: 5.04% APYSep 20, 2026Oct 31, 2026
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Interest Reward Checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 12 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Enhanced Rewards Checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; 1.00% to 5.00% APY on balances over $25,000; 0.05% APY if qualifications are not met; Account opening channels not specified

Rate History
No change since Oct 21, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 21, 2026: 5.00% APYOct 21, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Multi Level Enhanced Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $25,000; Balance up to $25,000 for the featured rate

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 31, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: Up to $20,000.00

Rate History
1 change since Sep 14, 2026 · 0.01% → 4.50% ▲ 4.49 pts · high 4.50% / low 0.01%
0.00%4.50%8.99%Sep 14, 2026: 0.01% APYOct 14, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.50%▲ from 0.01%
  • Sep 14, 20260.01%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
UpdatedOct 29, 2026
Details

Qualifications Required; Balance: 0 to $10,000

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 10 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 31, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Free Kasasa Cash Checking
4.00%
$50
▼
Rate3.93%
Min Deposit$50
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $0.00 - $50,000.00; Qualifying balance up to $50,000.00; Balances over $50,000 earn 4.00% to 1.67% APY depending on balance; Without qualifications: 0.05% APY; Refunds on ATM withdrawal fees, nationwide

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Multi Level Principal Rewards Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $25,000; Balance up to $25,000 for the featured rate

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
Silver Lake Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Kasasa Cash - Principal Rewards Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; 1.00% to 4.00% APY on balances over $25,000; 0.05% APY if qualifications are not met

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 31, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

$2,500.00 minimum balance required to earn the advertised APY

Rate History
1 change since Sep 18, 2026 · 4.00% → 1.00% ▼ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 18, 2026: 4.00% APYOct 13, 2026: 1.00% APYSep 18, 2026Oct 31, 2026
  • Oct 13, 20261.00%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Reward Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: Daily Balance $400 and Greater

Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 30, 2026: 0.30% APYSep 30, 2026Oct 31, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Reward Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: Daily Balance Below $400

Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 30, 2026: 0.30% APYSep 30, 2026Oct 31, 2026

Medicine Lodge Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wisdom Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Free Heritage Cash Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Interest rate 5.84% resulting in 6.00% APY when qualifications are met; Refunds on ATM withdrawal fees nationwide up to $25 monthly; $100 minimum deposit to open

Rate History
No change since Oct 15, 2026 · 6.00% APY · checked 3 times
5.50%6.00%6.50%Oct 15, 2026: 6.00% APYOct 15, 2026Oct 31, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Free Kasasa Cash Checking
4.00%
$50
▼
Rate3.93%
Min Deposit$50
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $0.00 - $50,000.00; Qualifying balance up to $50,000.00; Balances over $50,000 earn 4.00% to 1.67% APY depending on balance; Without qualifications: 0.05% APY; Refunds on ATM withdrawal fees, nationwide

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Plus checking
2.89%
$1,000
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.01 to $100,000; Qualifying balance up to $100,000; When activity requirements met

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 11 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 31, 2026
ECB Eastern Colorado Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Freedom BOOST Checking Account
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.01 - $25,000.00; Qualifying balance up to $25,000.00; See Truth in Savings Disclosure for reward criteria

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Platinum checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $25,000 and over

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 11 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Platinum checking
0.36%
$0
▼
Rate0.36%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $10,000 to $24,999.99

Rate History
No change since Sep 14, 2026 · 0.36% APY · checked 11 times
0.00%0.43%0.86%Sep 14, 2026: 0.36% APYSep 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Platinum checking
0.26%
$0
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $5,000 to $9,999.99

Rate History
No change since Sep 14, 2026 · 0.26% APY · checked 11 times
0.00%0.38%0.76%Sep 14, 2026: 0.26% APYSep 14, 2026Oct 31, 2026
ECB Eastern Colorado Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Freedom NOW Checking Account
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Oct 14, 2026: 0.20% APYOct 14, 2026Oct 31, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Freedom Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

APY is variable and may change after account is opened

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Simply Free Platinum checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100 to $4,999.99

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Active Duty Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Easy Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Everyday Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 31, 2026
Unity One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
Best Free Checking
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $2,500.00 and over

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 31, 2026
Unity One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
Best Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0 - $2,499.99

Medicine Lodge Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Guide Teen Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Compounding: Quarterly

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
FirstStep Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

APY is variable and may change after account is opened

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Freedom Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

APY is variable and may change after account is opened

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Preferred Youth Checking Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

APY is variable and may change after account is opened

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026

Medicine Lodge Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
120 E Kansas Ave
Medicine Lodge, KS 67104
Priority Business Checking Business
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 31, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★ Texas Ratio: 21.68%
Premium Business Checking Business
1.00%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0.00 - $9,999.99; Lincoln, Omaha and Salina, KS Market Only; $25 monthly charge for balances under $10,000.00; Free Remote Deposit Capture Machine for balances above $50,000.00

Rate History
No change since Sep 29, 2026 · 1.00% APY · checked 11 times
0.50%1.00%1.50%Sep 29, 2026: 1.00% APYSep 29, 2026Oct 31, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Business Interest Checking Business
0.60%
$100
▼
Rate0.60%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $1,000,000+

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 11 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 31, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Premier Business Checking Business
0.50%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

In Branch Only; Minimum balance required to earn APY: N/A

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Platinum Business Checking Business
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $500,000 +; Earned Credits (column labeled Earned Credits, not APY); Base Fee $35 (Earned Credits Reduce Fees); Business Online Required

Rate History
No change since Sep 15, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 15, 2026: 0.50% APYSep 15, 2026Oct 31, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Business Interest Checking Business
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100,000 - $499,999

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 31, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Business e-Checking Business
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0 - $1,000; paid monthly

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Platinum Business Checking Business
0.40%
$1,000
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100,000 - $499,999.99; Earned Credits (column labeled Earned Credits, not APY); Base Fee $35 (Earned Credits Reduce Fees); Business Online Required

Rate History
No change since Sep 15, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 15, 2026: 0.40% APYSep 15, 2026Oct 31, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Business NOW Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Monthly Service Fee: $10

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 13 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Oct 31, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Business Interest Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 31, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Premier PLUS Business Checking Business
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 11 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Platinum Business Checking Business
0.30%
$1,000
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000 - $99,999,99; Earned Credits (column labeled Earned Credits, not APY); Base Fee $35 (Earned Credits Reduce Fees); Business Online Required

Rate History
No change since Sep 15, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 15, 2026: 0.30% APYSep 15, 2026Oct 31, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Premier PLUS Business Checking Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 11 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 31, 2026
Grant County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.01%
Classic Business Checking Business
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $1,000,000.00+

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 31, 2026
Kendall Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.53%
Business Interest Checking Account Business
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $100,000.00 and greater; interest rate applies to entire balance

Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 29, 2026: 0.25% APYSep 29, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Premier Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 31, 2026
Kendall Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.53%
Business Interest Checking Account Business
0.22%
$100
▼
Rate0.22%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $25,000.00 - $99,999.99; interest rate applies to entire balance

Rate History
No change since Sep 29, 2026 · 0.22% APY · checked 8 times
0.00%0.36%0.72%Sep 29, 2026: 0.22% APYSep 29, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Platinum Business Checking Business
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $20,000 - $49,999.99; Earned Credits (column labeled Earned Credits, not APY); Base Fee $35 (Earned Credits Reduce Fees); Business Online Required

Rate History
No change since Sep 15, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 15, 2026: 0.20% APYSep 15, 2026Oct 31, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Select Business Checking Business
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $20,000 and over

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 31, 2026
Grant County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.01%
Classic Business Checking Business
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $250,000 - $999,999.99

Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 31, 2026
Kendall Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.53%
Business Interest Checking Account Business
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $10,000.00 - $24,999.99; interest rate applies to entire balance

Rate History
No change since Oct 3, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Oct 3, 2026: 0.20% APYOct 3, 2026Oct 31, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 31, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Business e-Checking Business
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: above $1,000; paid monthly

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 31, 2026
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Advantage Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: No minimum; Minimum daily balance to earn stated APY; APY is accurate as of January 5, 2026; Effective September 1, 2026

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 13 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 31, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Business Interest Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0 - $9,999

Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 31, 2026
Grant County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.01%
Classic Business Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: 0 - $249,999.99

Rate History
No change since Oct 22, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 31, 2026
Kendall Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.53%
Business Interest Checking Account Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $0.01 - $9,999.99; interest rate applies to entire balance

Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 29, 2026: 0.15% APYSep 29, 2026Oct 31, 2026
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Prime Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $500,000.00 and over; Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
Advanced Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $50,000 - $99,999; APY*

Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 30, 2026: 0.15% APYSep 30, 2026Oct 31, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Business Advantage Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $25,000+

Rate History
No change since Oct 22, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 31, 2026
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Prime Business Checking Business
0.12%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $200,000.00-$499,999.99; Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 10 times
0.00%0.31%0.62%Sep 14, 2026: 0.12% APYSep 14, 2026Oct 31, 2026
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Interest Business Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Variable rates may vary after account is open

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 31, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Business Interest Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $10,000 and over; A $2,000 minimum balance is required to avoid the monthly service charge

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 31, 2026
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
Business Interest Checking Account Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Minimum $1,500.00

Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 14 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 31, 2026
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Prime Business Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $25,000.00-$199,999.99; Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 31, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
Advanced Business Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $25,000 - $49,999; APY*

Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 30, 2026: 0.10% APYSep 30, 2026Oct 31, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Premier PLUS Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 31, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Advantage Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 31, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Business Optimum Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 31, 2026
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Business Advantage Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $5,000-$9,999

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 31, 2026

Medicine Lodge, KS Checking Rate Trends

Compare local Medicine Lodge, 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
2.527%
▼ 0.040 vs 7 days ago

Kansas high-yield checking rates fell 0.040 points over the past 7 days to 2.527% APY.

Free Checking KS Avg
0.377%
Unchanged vs 7 days ago

Kansas free checking rates currently average 0.377% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

Medicine Lodge, KS Checking Rate Forecast, Next 12 Months

Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Kansas figures.

Current High-Yield Avg
2.53%
APY, as of Oct 31, 2026
6-Month Forecast
2.58%
Fed hold assumed
12-Month Forecast
2.63%
Range: 2.38% to 2.83%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60 to 90 days. Reward and high-yield checking adjust faster than standard accounts.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

Top Checking Rates from Medicine Lodge, Kansas Institutions

Highest verified APYs available today, updated October 31, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Citizens Bank of Kansas
50+ Interest Checking
A- 4.2 ★ TX: 0.66%
Min: $0
0.02%
Wisdom Heritage Bank
Free Heritage Cash Checking
A+ 5.0 ★ TX: 5.47%
Min: $100
6.00%
ESB Financial
Kasasa Cash Checking
A 5.0 ★ TX: 13.44%
Min: $300
5.04%
Security State Bank Scott City, KS
Interest Reward Checking
A+ 5.0 ★ TX: 1.74%
Min: $100
5.00%
Silver Lake Bank
Kasasa Cash - Enhanced Rewards Checking
A+ 5.0 ★ TX: 0.02%
Min: $100
5.00%
CU Top 5 Credit Union Rates
Truity Federal Credit Union
High Yield Checking
A 5.0 ★ TX: 6.19%
Min: $0
5.00%
United Consumers Credit Union
Kasasa Cash Checking
A 5.0 ★ TX: 6.33%
Min: $0
4.50%
Envista Federal Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 2.13%
Min: $100
4.50%
Azura Credit Union
Beyond Checking
A+ 5.0 ★ TX: 4.29%
Min: $25
4.07%
Baxter Credit Union
PowerPlus Checking - Level 2
A 5.0 ★ TX: 6.31%
Min: $0
4.00%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.
Powered byMonitorBankRates

What Your Balance Earns at KS Checking Averages

Annual interest earnings at current Kansas average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.

Balance High-Yield Checking (2.527% APY)Monthly Earnings Free Checking (0.377% APY)Monthly Earnings
$2,500 $63.18 / year $5.27 $9.42 / year $0.79
$5,000 $126.35 / year $10.53 $18.85 / year $1.57
$10,000 $252.70 / year $21.06 $37.69 / year $3.14
$25,000 $631.75 / year $52.65 $94.23 / year $7.85
Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Kansas checking rate averages as of October 31, 2026.
Powered byMonitorBankRates
45
Institutions with Checking Rates
Available in Medicine Lodge, Kansas
23 Banks 22 Credit Unions

About Our Medicine Lodge, Kansas Checking Rate Database

MonitorBankRates tracks checking account rates from 23 banks and 22 credit unions offering checking accounts to Medicine Lodge, Kansas residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Citizens Bank of Kansas offers a checking account at 0.02% APY. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Medicine Lodge, Kansas

What to compare when shopping for an interest-bearing checking account in Medicine Lodge, Kansas

To find the best checking APYs in Medicine Lodge, Kansas, start with credit unions and online-only banks: Medicine Lodge, Kansas has 22 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.

Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10 to 15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000 to $25,000. The current KS high-yield checking average is 2.527% Use the tables above to find the best available offer.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement, worth checking if an institution has branches or in-network ATMs near you in Medicine Lodge, Kansas.

When High-Yield Checking Makes Sense

  • You already use a debit card regularly: the transaction requirements cost you nothing extra
  • Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
  • You want your spending money earning savings-level interest instead of 0%
  • You prefer banking locally: 45 institutions serving Medicine Lodge, Kansas report checking rates to our database

Consider an Alternative If…

Medicine Lodge, Kansas Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau

Population 65+
26.7%
National avg: 17.3%
Median Individual Earnings
$36,250
National avg: $47,340
Poverty Rate
5.9%
National avg: 11.1%
Unemployment Rate
0.6%
National avg: 4.8%
Checking Earnings on 10% of Salary
$92/yr
At KS HY checking avg 2.527% APY

At today’s KS high-yield checking average of 2.527%, keeping 10% of the local median salary ($3,625) in a high-yield checking account would earn $92 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

High-Yield Checking vs. Other Medicine Lodge, Kansas Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Medicine Lodge, Kansas.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current KS Avg APY 2.527% 0.377% View Savings Rates View MMA Rates
Monthly Activity Required ✗ Usually yes (debit + direct deposit) ✓ None ✓ None ✓ None
Balance Cap on Top Rate Common ($10K, $25K) Little or no interest paid ✓ Rarely Tiered: higher balances earn more
FDIC / NCUA Insured ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K
Checks & Debit Card ✓ Unlimited ✓ Unlimited ✗ No ✓ Limited per month
Best For Everyday spending money that also earns Simple no-fee banking, modest balances Emergency fund, larger balances Larger balances wanting some check access

APY data reflects Kansas averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Medicine Lodge, Kansas Checking Account Interest Calculator

See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current Medicine Lodge, Kansas rate on the right to apply it. Interest compounds monthly.

Interest Earned
$0
Balance Earning Top Rate
$0
Ending Balance
$0

Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.

Current Medicine Lodge, Kansas Checking Rates

Verified October 31, 2026 · click a rate to use it
Rates shown are actual verified offers available in Medicine Lodge, Kansas and daily averages from our monitoring database. Check each account’s qualifying requirements and rate cap, then model them here. See the full tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Medicine Lodge, Kansas checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Medicine Lodge, 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 sourcing this data 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 Medicine Lodge, 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

What are checking account rates in Medicine Lodge, Kansas today?

Medicine Lodge, Kansas checking account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 31, 2026. Top rates include 0.02% APY at Citizens Bank of Kansas (50+ Interest Checking), 6.00% at Wisdom Heritage Bank (Free Heritage Cash Checking) and 5.04% at ESB Financial (Kasasa Cash Checking), compared with the MonitorBankRates national high yield checking average of 2.06% APY.

Do checking accounts in Medicine Lodge, Kansas earn interest?

Most traditional local checking accounts in Medicine Lodge, 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 Medicine Lodge, Kansas FDIC insured?

Yes. Legitimate banks with branches in Medicine Lodge, 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.

What do I need to do to qualify for a high-yield checking rate in Medicine Lodge, Kansas?

Most high-yield and rewards checking accounts require qualifying activity each month, typically 10 to 15 debit card transactions, at least one direct deposit or ACH transfer, and e-statement enrollment. Miss the requirements in a given month and the account usually pays a nominal base rate for that cycle instead of the advertised APY.

Is there a limit on how much of my balance earns the top rate?

Usually, yes. Most high-yield checking accounts pay their advertised APY only on balances up to a cap, commonly $10,000 to $25,000. Amounts above the cap earn a much lower rate, often near 0%. Use the calculator above to model your exact balance against a rate cap.

How do I open a checking account in Medicine Lodge, Kansas?

You can open a checking account online or in person at a local branch. You will generally need a government-issued photo ID, your Social Security number, and an opening deposit. Many high-yield checking accounts have low or no minimum opening deposits.

Best Checking Rates in Medicine Lodge, Kansas

Based on our current data, some of the highest checking account APYs available to residents of Medicine Lodge, Kansas include:
  • Citizens Bank of Kansas
    50+ Interest Checking: 0.02% APY
  • Wisdom Heritage Bank
    Free Heritage Cash Checking: 6.00% APY
  • ESB Financial
    Kasasa Cash Checking: 5.04% APY
  • Security State Bank Scott City, KS
    Interest Reward Checking: 5.00% APY
  • Silver Lake Bank
    Kasasa Cash - Enhanced Rewards Checking: 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Medicine Lodge, Kansas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 31, 2026

Medicine Lodge, Kansas Rates & Resources