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    CHECKING ACCOUNTS

    Different choices. Different checking accounts.

    No two people are exactly alike. We look different. We think different. We have different needs. And that's a good thing. It's also why we offer distinct checking account options, each with their own unique benefits.

    — ValuePlus Checking
    — Relationship Checking
    — Interest Checking

    — Free Checking
    — Free Student Checking
    — Free 50+ Checking

     

    ValuePlus Checking - The account that pays you back.

    ValuePlus Checking is our premier interest-bearing checking account, featuring benefits designed to maximize convenience, savings and security. You’ll enjoy

    —Financial advantages such as:

    – free checks, including cashiers and traveler’s checks
    – free Visa® CheckCard with Visa Extras and Verified by Visa
    – free online banking with bill payment
    – interest rate discounts on a retail term loan
    – $2 ATM surcharge rebate per statement cycle

    —ID theft and fraud protection advantages such as:

    – Identity Theft Insurance* with Fraud Assistance
    – Payment Card Protection

    —One free companion airline ticket per year

    – Most major airlines participate
    – The certificate is transferable prior to booking
    – Make your reservations online or use a toll free number

    —Cash back rebates for doing your every day shopping.

    —Discounted gift cards for well-known participating merchants, just call a toll free number to order.

    Your choice — pay a low monthly maintenance fee or maintain a minimum balance or combine accounts for no monthly maintenance fee.**

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    *
    Identity Theft Insurance is not available to residents of the state of New York.

    **A low $5.95/month maintenance fee will be charged unless you maintain a daily balance of $5,000 or have $10,000 in a combination of checking, savings or money market account, or maintain $20,000 in a combination of checking, savings or money market account and loan or line balances.

    Interest is compounded and credited monthly. Minimum opening deposit is $25.
    *Certain transaction limitations may apply, see your Personal Deposit and Electronic Banking Services Agreement and Disclosure.


     

     

    Relationship Checking
    This tiered interest-bearing checking account takes into consideration combined balances of accounts and/or loans with KNBT. It features many no-fee services:
    —Visa CheckCard with Visa Extras and Verified by Visa®
    —Online banking with bill payment
    —Foreign ATM withdrawals
    —Overdraft protection transfers
    —Premium check orders
    —3x5 safe deposit box rental or credit toward a larger box
    —Plus many other no-fee benefits

    Interest Checking
    Here's an interest bearing checking account with competitive rates that grow as your balance grows. and that's just the beginning. Some of the great features of this account are:
    —Earns interest
    —ATM surcharge rebates
    —Free online banking and bill payment
    —Free checkcard
    —No-fee overdraft protection

    Free 50+ Checking Account
    Enjoy a Free Checking account plus benefits that are usually found with fee-based accounts. No-fee benefits are:
    —Visa CheckCard with Visa Extras and Verified by Visa
    —Online banking with bill payment
    —One free order of single-part basic checks annually
    —Four no-fee foreign ATM transactions per month

    Free Checking
    Get unlimited check writing with no minimum balance requirement or monthly service fee with Free Checking. This could be the perfect checking account for people who want a simple, affordable account with all the core features you need to do your banking. There's nothing else quite like "Free."
    —Free check card with Visa Extras and Verified by Visa
    —Free online banking and bill payment

    Free Student Checking
    We understand two important things about students. They have lots of expenses and very tight budgets. In addition to the features of our Free Checking, this account includes the first order of checks free and an "Oops Card" which is good for one no fee overdraft or stop payment fee.


    Refer to Personal Deposit and Electronic Banking Agreement and Disclosure booklet for minimum opening deposit and daily balance requirements.