In today’s fast, online world, the process of opening a checking account takes just minutes. Though it is a relatively easy thing to do, choosing a checking account in Kansas City is not a decision that should be made impulsively.
Banks offer a wide range of checking accounts, each with their own features and fees. In general, a good checking account has no (or low) fees, high interest rates, and convenient online deposit, transfer, and security features.
At Cornerstone Bank, we have offered business and personal banking services to Kansas City for over 18 years. We are a local bank dedicated to customer service and education about our sometimes confusing industry.
Keep reading for our tips for choosing the right checking account in Kansas City for your unique goals and needs.
Questions to consider when choosing a new checking account in Kansas City
Can you afford a minimum opening deposit, minimum balance, and maintenance fees?
While a minimum opening deposit will be unavoidable for any checking account, be sure you know of what it is and make sure you have enough cash on hand to meet the minimum.
Forbes considers a good checking account one that has no maintenance fees, and we agree! Additionally, at Cornerstone Bank, we do not require minimum balances on our personal checking accounts. There are many banks that charge fees for this, so read the fine print when opening a new checking account in Kansas City.
How many transactions do you make a month?
Your bank should not charge you for withdrawing, depositing, or transferring your money between accounts. It should not limit the number of transactions it allows you each month, either.
If your bank has limited physical branches for withdrawals and deposits, find out which ATMs you can use without a fee, and if you will be responsible for any ATM fees you may incur at other ATMs.
Is there easy mobile and online access to your account?
With technology, there is no reason to go to a physical bank location each time you need to deposit a check or complete a basic transaction.
You should be able to easily check on your account, pay bills, make deposits, and block a transaction or report your card lost from your computer and phone, regardless of your location.
Let us help you meet your financial goals – Come to Cornerstone Bank to open your new checking account in Kansas City today
If you are still unsure about which checking account in Kansas City would be best for you, stop by our bank in Overland Park, visit our website and see what our customers have to say, or give us a call today.
Our experienced and friendly staff can walk you through all your options to help you make a decision that works for your needs.