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Checking Rate Trends

Wichita, Kansas Best Checking Accounts & Rates October 2026

Wichita, Kansas checking account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. The best checking rates for Wichita, Kansas include Emprise BankEmprise Bank257 N Broadway Ave, Wichita, KS 67202A+5.0 ★Texas Ratio: 3.11%Rate verified Oct 20, 2026 High Interest Checking at 3.50% APY, Peoples Bank and Trust Company (KS)Peoples Bank and Trust Company (KS)13605 W Maple St, Wichita, KS 67235A5.0 ★Texas Ratio: 7.49%Rate verified Oct 20, 2026 High Interest Checking at 2.25% APY, Community National Bank & TrustCommunity National Bank & Trust8535 E 21st St N, Wichita, KS 67206A5.0 ★Texas Ratio: 6.38%Rate verified Oct 22, 2026 ePower Checking at 1.41% APY, Meritrust Credit UnionMeritrust Credit Union4510 E 19th St N, Wichita, KS 67208 1654A+5.0 ★Texas Ratio: 4.29%Rate verified Oct 19, 2026 Premium Perks Checking at 1.00% APY, and Carson BankCarson Bank4641 E Douglas Ave, Wichita, KS 67218A+5.0 ★Texas Ratio: 0.80%Rate verified Oct 21, 2026 e-Checking at 0.75% APY. Checking account rates as of October 23, 2026 according to verified data from MonitorBankRates.

Wichita has 17 local institutions in our database, with checking rates as high as 3.50% APY from Emprise Bank at 257 N Broadway Ave, Wichita, KS, 67202. 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 Wichita, Kansas. Checking Account Rates Last Updated and Verified: October 23, 2026

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

Institutions:

Wichita Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
High Interest Checking
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 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 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Peoples Bank and Trust Company (KS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
13605 W Maple St
Wichita, KS 67235
High Interest Checking
2.25%
$50
▼
Rate2.23%
Min Deposit$50
Min BalanceN/A
UpdatedOct 20, 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 3 times
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 25, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
8535 E 21st St N
Wichita, KS 67206
ePower Checking
1.41%
$100
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 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 9 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Oct 25, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
4510 E 19th St N
Wichita, KS 67208 1654
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Minimum balance required to earn the advertised APY: $2,500.00

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 25, 2026
  • Oct 13, 20261.00%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
4641 E Douglas Ave
Wichita, KS 67218
e-Checking
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 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 5 times
0.25%0.75%1.25%Sep 11, 2026: 0.75% APYSep 11, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.60%
$100
▼
Rate0.60%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000,000+

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $100,000 - $499,999

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Business e-Checking Business
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $0 - $1,000; paid monthly; dividends calculated daily

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
e-Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $0 to $1,000; paid monthly; APY is variable

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 25, 2026
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
8725 W Central Ave
Wichita, KS 67212
Interest Checking
0.25%
$500
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
UpdatedOct 21, 2026
Details

Minimum daily balance to obtain APR/APY: $1000 (daily balance); interest paid on balances $1,000 and greater; interest compounded & credited monthly; Open Online

Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 25, 2026
Intrust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
105 N Main St
Wichita, KS 67202
Elite Checking
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Variable interest; rate may change after account is opened. Rates may vary by bank location. APYs accurate as of 10/22/2026.

Rate History
No change since Oct 22, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Business e-Checking Business
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: above $1,000; paid monthly; dividends calculated daily

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
e-Checking
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: above $1,000; paid monthly; APY is variable

Rate History
No change since Oct 13, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 13, 2026: 0.20% APYOct 13, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
4960 E 21st St N
Wichita, KS 67208
Advantage Checking Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $1,500 and over

Rate History
No change since Sep 29, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 29, 2026: 0.20% APYSep 29, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $0 - $9,999

Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
FirstStep Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Freedom Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Preferred Youth Checking Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Skyward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
4 Cessna Blvd
Wichita, KS 67215 1423
Silver Wings Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Silver Wings Checking - no minimum opening balance; dividends compounded and paid monthly

Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
3777 N Maize Rd
Wichita, KS 67205
Advanced Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 30, 2026: 0.15% APYSep 30, 2026Oct 25, 2026
Andover State Bank
Institution Rating:
B4.5 ★ Texas Ratio: 20.76%
1717 North Webb Road
Wichita, KS 67206
Premier Checking
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

No additional details provided.

Rate History
No change since Sep 7, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 7, 2026: 0.10% APYSep 7, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
4641 E Douglas Ave
Wichita, KS 67218
e-Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: over $25,000; APY printed as 0.75% - 0.10%; Variable rates may vary after account is open

Rate History
1 change since Sep 11, 2026 · 0.75% → 0.10% ▼ 0.65 pts · high 0.75% / low 0.10%
0.00%0.70%1.40%Sep 11, 2026: 0.75% APYOct 21, 2026: 0.10% APYSep 11, 2026Oct 25, 2026
  • Oct 21, 20260.10%▼ from 0.75%
  • Sep 11, 20260.75%first recorded
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
4641 E Douglas Ave
Wichita, KS 67218
Interest Business Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Variable rates may vary after account is open

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
3777 N Maize Rd
Wichita, KS 67205
Advanced Business Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 30, 2026: 0.10% APYSep 30, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
4960 E 21st St N
Wichita, KS 67208
Advantage Checking Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $100 - $1,499.99

Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 29, 2026: 0.10% APYSep 29, 2026Oct 25, 2026
Credit Union of America
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
3934 N Woodlawn Blvd
Wichita, KS 67220
Business Simple Interest Checking Business
0.07%
$100
▼
Rate0.07%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $1,500.00 or more; In-Branch Only

Rate History
No change since Oct 22, 2026 · 0.07% APY
0.00%0.29%0.57%Oct 22, 2026: 0.07% APYOct 22, 2026Oct 25, 2026
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
2327 N Ridge Rd
Wichita, KS 67205
Arch Checking
0.05%
$50
▼
Rate0.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

No minimum balance requirement; No monthly service charge

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
Andover State Bank
Institution Rating:
B4.5 ★ Texas Ratio: 20.76%
1717 North Webb Road
Wichita, KS 67206
Interest Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

No additional details provided.

Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Oct 25, 2026
Intrust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
105 N Main St
Wichita, KS 67202
Advantage Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Variable interest; rate may change after account is opened. Rates may vary by bank location. APYs accurate as of 10/22/2026.

Rate History
No change since Oct 22, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 25, 2026
Southwest National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
400 E Douglas Ave
Wichita, KS 67202
Interest Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 25, 2026
Southwest National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
400 E Douglas Ave
Wichita, KS 67202
Platinum Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 25, 2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
11122 E Central Ave
WICHITA, KS 67206 2632
Regular Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Checking Plus Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

$500 minimum balance required for dividends; Fees could reduce earnings; APY is variable

Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 13, 2026: 0.05% APYOct 13, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
3777 N Maize Rd
Wichita, KS 67205
Advanced Business Checking Business
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $2,500 - $24,999

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
50+ Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
Platinum Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
Priority Business Checking Business
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
Priority Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
11122 E Central Ave
WICHITA, KS 67206 2632
Economy Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Wichita High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
High Interest Checking
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 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 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Peoples Bank and Trust Company (KS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
13605 W Maple St
Wichita, KS 67235
High Interest Checking
2.25%
$50
▼
Rate2.23%
Min Deposit$50
Min BalanceN/A
UpdatedOct 20, 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 3 times
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 25, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
8535 E 21st St N
Wichita, KS 67206
ePower Checking
1.41%
$100
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 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 9 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Oct 25, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
4510 E 19th St N
Wichita, KS 67208 1654
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Minimum balance required to earn the advertised APY: $2,500.00

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 25, 2026
  • Oct 13, 20261.00%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
8725 W Central Ave
Wichita, KS 67212
Interest Checking
0.25%
$500
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
UpdatedOct 21, 2026
Details

Minimum daily balance to obtain APR/APY: $1000 (daily balance); interest paid on balances $1,000 and greater; interest compounded & credited monthly; Open Online

Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
4960 E 21st St N
Wichita, KS 67208
Advantage Checking Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $1,500 and over

Rate History
No change since Sep 29, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 29, 2026: 0.20% APYSep 29, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
4960 E 21st St N
Wichita, KS 67208
Advantage Checking Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $100 - $1,499.99

Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 29, 2026: 0.10% APYSep 29, 2026Oct 25, 2026
Andover State Bank
Institution Rating:
B4.5 ★ Texas Ratio: 20.76%
1717 North Webb Road
Wichita, KS 67206
Interest Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

No additional details provided.

Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Oct 25, 2026
Intrust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
105 N Main St
Wichita, KS 67202
Advantage Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Variable interest; rate may change after account is opened. Rates may vary by bank location. APYs accurate as of 10/22/2026.

Rate History
No change since Oct 22, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 25, 2026
Southwest National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
400 E Douglas Ave
Wichita, KS 67202
Interest Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 25, 2026
Southwest National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
400 E Douglas Ave
Wichita, KS 67202
Platinum Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Checking Plus Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

$500 minimum balance required for dividends; Fees could reduce earnings; APY is variable

Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 13, 2026: 0.05% APYOct 13, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
50+ Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
Platinum Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
Priority Interest Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 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 23, 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 2 times
5.50%6.00%6.50%Oct 15, 2026: 6.00% APYOct 15, 2026Oct 25, 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 22, 2026
Details

Qualifications Required; Balance: 0 - $20,000

Rate History
No change since Sep 20, 2026 · 5.04% APY · checked 7 times
4.54%5.04%5.54%Sep 20, 2026: 5.04% APYSep 20, 2026Oct 25, 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 22, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 10 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 25, 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 21, 2026
Details

Qualifications Required; Balance up to $25,000.00 earns 5.00% APY; balances over $25,000 earn 5.00% to 1.00% APY depending on balance; 0.05% APY if qualifications are not met

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 25, 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 21, 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 7 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 25, 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 23, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 25, 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 19, 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 25, 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 19, 2026
Details

Qualifications Required: At least 1 direct deposit, ACH credit, or ACH payment transaction; At least 12 debit card purchases; Qualifying balance up to $10,000.00

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 8 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 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 21, 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 25, 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 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00; Minimum $25 initial deposit to open; $5 monthly service fee if qualifications are not met

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 25, 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 22, 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 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 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 21, 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 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 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 21, 2026
Details

Qualifications Required; Balance up to $25,000.00 earns 4.00% APY; balances over $25,000 earn 4.00% to 1.00% APY depending on balance; 0.05% APY if qualifications are not met

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 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 23, 2026
Details

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

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 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 19, 2026
Details

Balance: up to $15,000.00; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1 Introductory
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: up to $15,000; Introductory rate

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 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 19, 2026
Details

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

Rate History
2 changes since Sep 27, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 8.00% / low 1.00%
0.00%7.50%15.00%Sep 27, 2026: 1.00% APYOct 10, 2026: 8.00% APYOct 19, 2026: 4.00% APYSep 27, 2026Oct 25, 2026
  • Oct 19, 20264.00%▼ from 8.00%
  • Oct 10, 20268.00%▲ from 1.00%
  • Sep 27, 20261.00%first recorded
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 20, 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 9 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 25, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Premier Checking
2.02%
$100
▼
Rate2.01%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required: Receive e-statements; Set up monthly direct deposit or ACH automatic payment; Complete 15 debit card transactions per statement cycle; Balance: $0.00 - $19,999.99; Qualifying balance up to $19,999.99; then 0.20% on balances over $19,999.99; No minimum balance fee; Free e-Statement with online banking (or) $3.00 statement fee

Rate History
No change since Sep 27, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 27, 2026: 2.02% APYSep 27, 2026Oct 25, 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 21, 2026
Details

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

Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 2 times
1.51%2.01%2.51%Oct 20, 2026: 2.01% APYOct 20, 2026Oct 25, 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 22, 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 4 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 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 20, 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 2 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 25, 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 22, 2026
Details

Balance: $100,000 And Above

Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 30, 2026: 1.50% APYSep 30, 2026Oct 25, 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 20, 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 2 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 25, 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 22, 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 8 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 25, 2026

Wichita Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
4510 E 19th St N
Wichita, KS 67208 1654
Premium Perks Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Minimum balance required to earn the advertised APY: $2,500.00

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 25, 2026
  • Oct 13, 20261.00%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
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 22, 2026
Details

Qualifications Required; Balance: 0 - $20,000

Rate History
No change since Sep 20, 2026 · 5.04% APY · checked 7 times
4.54%5.04%5.54%Sep 20, 2026: 5.04% APYSep 20, 2026Oct 25, 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 22, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 10 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 25, 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 21, 2026
Details

Qualifications Required; Balance up to $25,000.00 earns 5.00% APY; balances over $25,000 earn 5.00% to 1.00% APY depending on balance; 0.05% APY if qualifications are not met

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 25, 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 21, 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 7 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 25, 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 19, 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 25, 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 19, 2026
Details

Qualifications Required: At least 1 direct deposit, ACH credit, or ACH payment transaction; At least 12 debit card purchases; Qualifying balance up to $10,000.00

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 8 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 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 22, 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 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 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 21, 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 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 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 21, 2026
Details

Qualifications Required; Balance up to $25,000.00 earns 4.00% APY; balances over $25,000 earn 4.00% to 1.00% APY depending on balance; 0.05% APY if qualifications are not met

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
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 22, 2026
Details

Balance: Daily Balance $400 and Greater

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 25, 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 22, 2026
Details

Balance: Daily Balance Below $400

Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 30, 2026: 0.30% APYSep 30, 2026Oct 25, 2026

Wichita Free Checking Rates

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: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Freedom Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 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 23, 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 2 times
5.50%6.00%6.50%Oct 15, 2026: 6.00% APYOct 15, 2026Oct 25, 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 22, 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 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 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 20, 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 9 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 25, 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 22, 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 4 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 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 20, 2026
Details

Balance: $25,000 and over

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 25, 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 20, 2026
Details

Balance: $10,000 to $24,999.99

Rate History
No change since Sep 14, 2026 · 0.36% APY · checked 9 times
0.00%0.43%0.86%Sep 14, 2026: 0.36% APYSep 14, 2026Oct 25, 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 20, 2026
Details

Balance: $5,000 to $9,999.99

Rate History
No change since Sep 14, 2026 · 0.26% APY · checked 9 times
0.00%0.38%0.76%Sep 14, 2026: 0.26% APYSep 14, 2026Oct 25, 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 22, 2026
Details

No additional details provided.

Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Oct 14, 2026: 0.20% APYOct 14, 2026Oct 25, 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 20, 2026
Details

Balance: $100 to $4,999.99

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 25, 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 19, 2026
Details

Balance: $2,500.00 and over

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026

Wichita Student Checking Rates

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: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
FirstStep Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Freedom Youth Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Preferred Youth Checking Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Youth account; APY is variable

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
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 19, 2026
Details

Compounding: Quarterly

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Ark Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Student Checking Account
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 2026

Wichita Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.60%
$100
▼
Rate0.60%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000,000+

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $100,000 - $499,999

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Business e-Checking Business
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $0 - $1,000; paid monthly; dividends calculated daily

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 25, 2026
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
8404 W Kellogg Dr
Wichita, KS 67209 1845
Business e-Checking Business
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: above $1,000; paid monthly; dividends calculated daily

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
257 N Broadway Ave
Wichita, KS 67202
Business Interest Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $0 - $9,999

Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
3777 N Maize Rd
Wichita, KS 67205
Advanced Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 30, 2026: 0.15% APYSep 30, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
4641 E Douglas Ave
Wichita, KS 67218
Interest Business Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Variable rates may vary after account is open

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
3777 N Maize Rd
Wichita, KS 67205
Advanced Business Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 30, 2026: 0.10% APYSep 30, 2026Oct 25, 2026
Credit Union of America
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
3934 N Woodlawn Blvd
Wichita, KS 67220
Business Simple Interest Checking Business
0.07%
$100
▼
Rate0.07%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $1,500.00 or more; In-Branch Only

Rate History
No change since Oct 22, 2026 · 0.07% APY
0.00%0.29%0.57%Oct 22, 2026: 0.07% APYOct 22, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
3777 N Maize Rd
Wichita, KS 67205
Advanced Business Checking Business
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $2,500 - $24,999

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★ Texas Ratio: 0.66%
8718 W 13th St N
Wichita, KS 67212
Priority Business Checking Business
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 25, 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 20, 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 8 times
0.50%1.00%1.50%Sep 29, 2026: 1.00% APYSep 29, 2026Oct 25, 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 21, 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 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 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 21, 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 4 times
0.00%0.50%1.00%Sep 15, 2026: 0.50% APYSep 15, 2026Oct 25, 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 22, 2026
Details

Monthly Service Fee: $10

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 11 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Oct 25, 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 21, 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 4 times
0.00%0.45%0.90%Sep 15, 2026: 0.40% APYSep 15, 2026Oct 25, 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 19, 2026
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 25, 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 21, 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 4 times
0.00%0.40%0.80%Sep 15, 2026: 0.30% APYSep 15, 2026Oct 25, 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 19, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 25, 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 22, 2026
Details

Balance: $1,000,000.00+

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 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 22, 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 7 times
0.00%0.38%0.75%Sep 29, 2026: 0.25% APYSep 29, 2026Oct 25, 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 19, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 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 22, 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 7 times
0.00%0.36%0.72%Sep 29, 2026: 0.22% APYSep 29, 2026Oct 25, 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 22, 2026
Details

Balance: $250,000 - $999,999.99

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 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 22, 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 5 times
0.00%0.35%0.70%Oct 3, 2026: 0.20% APYOct 3, 2026Oct 25, 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 21, 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 4 times
0.00%0.35%0.70%Sep 15, 2026: 0.20% APYSep 15, 2026Oct 25, 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 21, 2026
Details

Balance: $20,000 and over

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 25, 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 19, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 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 22, 2026
Details

Balance: 0 - $249,999.99

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 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 22, 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 7 times
0.00%0.33%0.65%Sep 29, 2026: 0.15% APYSep 29, 2026Oct 25, 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 21, 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 9 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 25, 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 23, 2026
Details

Balance: $25,000+

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 25, 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 19, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Business Forward Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Earns dividends if balance is greater than $100

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 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 19, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 8 times
0.00%0.31%0.62%Sep 14, 2026: 0.12% APYSep 14, 2026Oct 25, 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 22, 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 9 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 25, 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 20, 2026
Details

Minimum $1,500.00

Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 25, 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 23, 2026
Details

Balance: $5,000-$9,999

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 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 19, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026

Wichita, KS Checking Rate Trends

Compare local Wichita, 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
2.567%
▲ 0.257 vs 7 days ago

Kansas high-yield checking rates rose 0.257 points over the past 7 days to 2.567% APY.

Free Checking KS Avg
0.377%
▼ 0.022 vs 7 days ago

Kansas free checking rates fell 0.022 points over the past 7 days to 0.377% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

Wichita, 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
2.57%
APY, as of Oct 25, 2026
6-Month Forecast
2.62%
Fed hold assumed
12-Month Forecast
2.67%
Range: 2.42% to 2.87%
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 Wichita, Kansas Institutions

Highest verified APYs available today, updated October 23, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Emprise Bank
High Interest Checking
A+ 5.0 ★ TX: 3.11%
Min: $100
3.50%
Peoples Bank and Trust Company (KS)
High Interest Checking
A 5.0 ★ TX: 7.49%
Min: $50
2.25%
Community National Bank & Trust
ePower Checking
A 5.0 ★ TX: 6.38%
Min: $100
1.41%
Carson Bank
e-Checking
A+ 5.0 ★ TX: 0.80%
Min: $100
0.75%
Legacy Bank Colwich, KS
Interest Checking
A+ 5.0 ★ TX: 0.45%
Min: $500
0.25%
CU Top 5 Credit Union Rates
Meritrust Credit Union
Premium Perks Checking
A+ 5.0 ★ TX: 4.29%
Min: $0
1.00%
Mid American Credit Union
Business e-Checking
A+ 5.0 ★ TX: 4.51%
Min: $0
0.50%
Campus Credit Union
Advantage Checking Account
A+ 5.0 ★ TX: 3.45%
Min: $0
0.20%
Skyward Credit Union
Silver Wings Checking
A+ 5.0 ★ TX: 3.93%
Min: $0
0.15%
Heartland Credit Union Hutchinson, KS
Advanced Business Checking
A 5.0 ★ TX: 9.12%
Min: $0
0.15%
Rates verified October 23, 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 (2.567% APY)Monthly Earnings Free Checking (0.377% APY)Monthly Earnings
$2,500 $64.18 / year $5.35 $9.42 / year $0.79
$5,000 $128.36 / year $10.70 $18.85 / year $1.57
$10,000 $256.71 / year $21.39 $37.69 / year $3.14
$25,000 $641.78 / year $53.48 $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 25, 2026.
Powered byMonitorBankRates
47
Institutions with Checking Rates
Available in Wichita, Kansas
27 Banks 20 Credit Unions

About Our Wichita, Kansas Checking Rate Database

MonitorBankRates tracks checking account rates from 27 banks and 20 credit unions offering checking accounts to Wichita, 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: Emprise Bank offers a checking account at 3.50% APY with a minimum deposit of $100. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Wichita, Kansas

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

To find the best checking APYs in Wichita, Kansas, start with credit unions and online-only banks: Wichita, Kansas has 20 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 2.567% but top institutions serving Wichita, Kansas are offering as high as 3.50%, so shopping around pays off.

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 Wichita, 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: 47 institutions serving Wichita, Kansas report checking rates to our database

Consider an Alternative If…

Wichita, Kansas Financial Snapshot

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

Population 65+
15.7%
National avg: 17.3%
Median Individual Earnings
$38,715
National avg: $47,340
Poverty Rate
15.9%
National avg: 11.1%
Unemployment Rate
5.5%
National avg: 4.8%
Checking Earnings on 10% of Salary
$99/yr
At KS HY checking avg 2.567% APY

At today’s KS high-yield checking average of 2.567%, keeping 10% of the local median salary ($3,871) in a high-yield checking account would earn $99 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 Wichita, Kansas Options

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

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current KS Avg APY 2.567% 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 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Wichita, 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 Wichita, 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 Wichita, Kansas Checking Rates

Verified October 23, 2026 · click a rate to use it
Rates shown are actual verified offers available in Wichita, 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 Wichita, 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 Wichita, 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 Wichita, 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 Wichita, Kansas earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Wichita, Kansas include:
  • Emprise Bank
    High Interest Checking: 3.50% APY
  • Peoples Bank and Trust Company (KS)
    High Interest Checking: 2.25% APY
  • Community National Bank & Trust
    ePower Checking: 1.41% APY
  • Meritrust Credit Union
    Premium Perks Checking: 1.00% APY
  • Carson Bank
    e-Checking: 0.75% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Wichita, Kansas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 23, 2026

Wichita, Kansas Rates & Resources