Checking Accounts


Basic Checking

Secure Checking Prime Time Checking Student Checking Premier Checking
Requirements N/A N/A Age 65 or older Full-time student 25 years of age or younger N/A
Minimum Opening Deposit $50.00 $50.00 $50.00 N/A $1,000.00
Monthly Service Fee N/A $4.00 $5.00 N/A $5.00

Minimum Average Balance to Avoid Fees

N/A N/A $200.00 N/A $1,000.00
No Minimum Balance (check) (check) (check) (check) (check)
No Transaction Limitations (check) (check) (check) (check) (check)
Free Debit Card* (check) (check) (check) (check) (check)
Free Online Banking (check) (check) (check) (check) (check)
Free Mobile Banking App (check) (check) (check) (check) (check)
Free Bill Pay (check) (check) (check) (check) (check)
Finance Works (check) (check) (check) (check) (check)
Text Banking (check) (check) (check) (check) (check)
On-Call 24/7 (check) (check) (check) (check) (check)
Other Benefits N/A

Free identity protection**

5 free money orders per month

N/A No SJN Bank of Kansas ATM fees  Free identity protection**

*Waiting period may apply

**Identity protection includes

  • Triple bureau credit file monitoring
  • Free credit score
  • Total identity monitoring
  • Up to $10,000 identity fraud reimbursement coverage per account owner per year
  • Debit and credit card registration
  • Online Identity Theft Education and News