Deposit Services ImageDeposit Services

Karnes County National Bank offers a variety of deposit services. With these various accounts are available services such as Direct Deposit, Visa Debit Cards, ATM Services, and Overdraft Protection.

CHECKING ACCOUNTS

"FREE" REGULAR OR COMMERCIAL ACCOUNT

  • $200.00 minimum opening balance.
  • NO monthly account maintenance fee.
  • UNLIMITED number of transactions per month.
  • NO KCNB ATM fees.
  • FREE Visa debit card with Regular checking account.
  • Overdraft Protection available only by using other accounts.

NOW ACCOUNT- Interest Bearing Account

  • $1,000.00 minimum opening balance.
  • NO monthly account maintenance fee for average balances over $1,000.00.
  • UNLIMITED number of transactions per month.
  • NO KCNB ATM fees.
  • FREE Visa debit card.
  • Overdraft Protection available only by using other accounts.

SUPER NOW ACCOUNT- Interest Bearing Account

  • $1,500.00 minimum opening balance.
  • NO monthly account maintenance fee for average balances over $1,500.00.
  • UNLIMITED number of transactions per month.
  • NO KCNB ATM fees.
  • FREE Visa debit card.
  • Overdraft Protection available only by using other accounts.

SAVINGS/ MONEY MARKET ACCOUNTS

REGULAR SAVINGS ACCOUNT- Interest Bearing Account

  • $100.00 minimum opening balance.
  • NO quarterly account maintenance fee for average balances over $100.00

MONEY MARKET DEPOSIT ACCOUNT- Interest Bearing Account

  • $1,500.00 minimum opening balance.
  • NO monthly account maintenance fee for average balances over $1,500.00.
  • NO KCNB ATM fees.

** Savings and Money Market accounts are subject to debit fees per type of account.

CERTIFICATES OF DEPOSIT & IRA'S

THREE SIZES OF CD'S AVAILABLE

  • Regular : $1,000.00 - $49,999.99
  • Mini Jumbo : $50,000.00 - $99,999.99
  • Jumbo : $100,000.00 +

DURATION OF CD'S

  • 30 Day
  • 3 Month
  • 6 Month
  • 1 Year

IRA'S

  • $1,000 minimum opening balance.

**Please call 830-780-3317 for the current interest rates on our CD's & IRA's.

**We offer several different maturities on our Certificates of Deposit, if these do not meet your needs, please ask a Bank Representative about other options.

 

Personal Information

How does Karnes County National Bank protect my personl information?

    • To protect you personal information from unauthorized access and use, we use secuirty measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.  We may ask person information that only you as an account holder would have knowledge of.

How does Karnes County National Bank collect my personal information?

    • We collect you personal information, for example when you
      • Open an account or Deposit money
      • Apply for a loan or use your credit or debit card
      • Pay your bills
    • We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

    • Federal law gives you the right to limit only
      • sharing for affiliates' everday business purposes--information about your creditworthiness
      • affiliates from using your information to market to you
      • sharing for nonaffiliates to market to you
  • State laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.

 

DEFINITIONS

Affiliates

Companies relates by common ownership or control.  They can be financial and nonfinancial companies.

- Karnes County National Bank has no affiliates.

Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

- Karnes County National Bank has no affiliates.

 

Joint Marketing

 A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

- Karnes County National Bank has no affiliates.