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Personal Checking

Your personal checking account should be easy to use and include options like no ATM fees worldwide, no minimum balance requirements and no monthly fees. And all our accounts let you bank from anywhere with our great mobile apps!

Switch to Kennebunk Savings

Compare Personal Checking Accounts

Breakaway Free Checking

I want checking with no minimum
balance and no fees.

Interest Bearing Checking

I want to earn interest but keep a low
monthly balance.

Compare Personal Checking Accounts

Breakaway Free Checking

I want checking with no minimum
balance and no fees.

Interest Bearing Checking

I want to earn interest but keep a low
monthly balance.

Minimum Daily Balance to Avoid Fee
Minimum Daily Balance to Avoid Fee
$0
No monthly service fee ever!
Minimum Daily Balance to Avoid Fee
$500
To avoid $7 monthly service fee
Minimum Deposit to Open Account
Minimum Deposit to Open Account
$1
Minimum Deposit to Open Account
$1
Mobile Banking & Mobile Deposit
Mobile Banking & Mobile Deposit
Yes Yes
Mobile Banking & Mobile Deposit
Yes Yes
Interest Paid
Interest Paid
Interest Paid
Yes Yes
ATM Transactions Fees
ATM Transactions Fees
Free anywhere*
ATM Transactions Fees
Free transactions at Kennebunk Savings ATMs.
$1 at non-Kennebunk Savings ATMs
Free Standard Checks
Free Standard Checks
Yes Yes
Free Standard Checks
Online Bill Pay
Online Bill Pay
Free
Online Bill Pay
$6/month
Free Online Banking
Free Online Banking
Yes Yes
Free Online Banking
Yes Yes
Preferred Rates on Savings and Loans
Preferred Rates on Savings and Loans
Yes Yes
Preferred Rates on Savings and Loans
Person-to-Person Payments
Person-to-Person Payments
Yes Yes
Person-to-Person Payments
Yes Yes

ATM and Debit Cards

Kennebunk Savings ATM or debit cards make it easy to access your money anytime at ATMs all over the world. With your Kennebunk Savings debit card you’re protected by microchip technology, an added layer of security making your card difficult to counterfeit at chip-enabled readers. Our Fraud Services help detect and prevent debit card fraud from happening to you.
 

Debit Card


Watching Out for Fraud
Kennebunk Savings monitors customers' accounts to protect them from fraudulent activity. Our Fraud Services will:

  • Monitor debit card activity round-the-clock, 24/7
  • Stop your debit card transaction immediately if suspicious
  • Call you to verify the authenticity of suspicious card transactions in the moment it is happening
  • Block your debit card if there is fraud
     

Apple Pay®

Kennebunk Savings debit cards are activated to work with Apple Pay®.

No more sifting through your pockets, wallet, or bag for your debit or credit card. Turn your mobile device—smartphone, tablet or Apple Watch®— into a digital wallet.  Pay for purchases by tapping a button and holding your device over the contactless payment terminal, anywhere Apple Pay® is accepted.

Simply enter your card data into the app and your information is stored remotely and securely for future purchases. (It is not stored on your phone or given to the merchant. A unique digital code is created specifically for your device.) Once your information has been verified, you can start using Apple Pay®. 

Apple Pay with Checking Accounts

Online and Mobile Banking 

Manage your accounts quickly and easily from your computer or mobile devices with Kennebunk Savings secure online and mobile banking. Check your balance, transfer funds, pay bills, deposit checks with your mobile device, make person-to-person payments, and more, whenever—and wherever—you need to. 

Learn More

Video Tutorials

Personal Checking FAQs

Direct deposit through an Automated Clearing House (ACH) is simply a fast and secure way of receiving funds into your account. Paychecks, government benefits, investment dividends—all of these can be deposited electronically (immediately and securely) into your Kennebunk Checking or Savings account.

You will usually see the direct deposit go into effect within 2-3 cycles from date of your request. For example, if you elect to have your paycheck deposited directly into your account, typically it will be about 2-3 pay periods before you see that direct deposit in effect.

Automatic payments through an Automated Clearing House (ACH) are just like direct deposit, except funds are automatically transferred OUT OF your account instead of into your account. It's a convenient way to pay bills without having to write checks. Many companies (like electric, gas, telephone, loans, credit cards, and insurance) accept automatic payments from Kennebunk Savings. If you want to set up automatic payments, the company will tell you what they need from you. Usually, it's a voided check from your checking account and the date on which you would like them to start withdrawing payments.

Generally, once you contact the billing company and submit the necessary information to them to set up automatic payments, the charges will not be deducted from your Kennebunk Savings account until 1-3 billing cycles after you make your request.

Log into Online or Mobile Banking and check your account transactions.

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