Checking That Fits Your Everyday Life
Manage your money with confidence using a KTCCU checking account. Enjoy convenient access to your funds, a KTCCU Mastercard Debit Card, Online Banking, and local service from a team that is here when you need us.
Looking for a new checking account? Our team can help you determine membership eligibility, open the required savings account, and get started with checking. Current members can easily add checking to their existing membership.
CALL 620-231-5719 FIND A BRANCH
Why choose KTCCU checking?
No Monthly
Service Charge
Keep more of your money with a checking account designed for everyday banking.
Mastercard
Debit Card
Easily access your money and make purchases anywhere Mastercard is accepted.
Online Banking
Access
Check account balances, transfer money between accounts, and more.
Earn Dividends
Dividends are paid quarterly on qualifying balances of $2,000 or more.
Friendly,
Local Service
Get support from a local team that is here to help.
CALL 620-231-5719 FIND A BRANCH
Ready to get started?
New Members
Not a member yet? We will help you determine eligibility and establish membership.
- Review our membership eligibility requirements or contact us and we'll be happy to help determine your eligibility
- Open the required savings account with a minimum $5 deposit
- Open your checking account with a minimum $25 deposit
Current Members
Already a member? Adding a checking account to your existing membership is quick and easy.
- Call us or stop by any KTCCU branch
- Open your checking account with a minimum $25 deposit
- Start using your KTCCU Mastercard Debit Card
CALL 620-231-5719 FIND A BRANCH
Courtesy Pay
Courtesy Pay provides coverage for insufficient transactions, offering up to $500 in total protection for a low fee per covered overdraft. This service is available to all primary checking accounts, provided the following qualifications are met:
- The account must be open for at least 30 days.
- The account holder must be 18 years old or older.
- There must be more than $500 in direct deposits per month.
- No loan associated with the account can be more than 14 days delinquent.
- The account cannot carry a negative balance for more than 30 days.
Courtesy Pay is exclusively available for one primary checking account and is not offered on savings accounts or secondary checking accounts. You can opt out of Courtesy Pay at any time by visiting a branch and completing an opt-out form.
Frequently Asked Questions
KTCCU checking accounts combine convenient account access, Online Banking, a Mastercard Debit Card, and friendly local service without the monthly fees. As a member-owned credit union, we are committed to providing personalized service and helping our members succeed financially.
Yes. Membership is required to open a checking account at KTCCU. If you're not already a member, we'll help determine your eligibility and guide you through the membership process.
Checking accounts cannot be opened online at this time. To get started, call us at 620-231-5719 or visit any KTCCU branch location.
To open a checking account, you'll need to establish membership if you're not already a member. Contact us or visit a branch and we'll explain any documents, identification, and deposits needed to get started.
Yes. A minimum deposit of $25 is required to open a checking account. New members must also open a savings account with a minimum deposit of $5 to establish membership.
Yes. KTCCU checking accounts include a KTCCU Mastercard Debit Card for convenient access to your funds and everyday purchases.
Yes. Online Banking allows you to check balances, transfer funds between accounts, review account activity, and more.
Courtesy Pay is an overdraft protection service that may provide coverage for qualifying primary checking accounts. Eligibility requirements and fees apply.
Still have questions?
Come into any one of our branches or give us a call at 620-231-5719.