Compare Checking Accounts

Compare checking accounts

Select the account that's right for your lifestyle.

Table comparing Personal Checking Accounts and Features
  BFH Basic Checking BFH Legacy Checking Kasasa Cash® Checking Kasasa Cash Back® Checking Kasasa Tunes® Checking
Best for? No frills, simple checking Legacy members High balances Frequent debit card purchases Frequent online debit card purchases
Earns interest? No check* check* No No
Amount to Open $100 $1,500 $100 $100 $100
Balance requirement? $0 $1,500 cumulative deposit relationship $0 $0 $0
Free ATMS? Not available Not available Refunds on ATM withdrawal fees, nationwide (up to $15.00 monthly)* Refunds on ATM withdrawal fees, nationwide (up to $15.00 monthly)* Refunds on ATM withdrawal fees, nationwide (up to $15.00 monthly)*
Online Banking check check check check check
Online Bill Pay check check check check check
Withdrawal Limit unlimited unlimited unlimited unlimited unlimited
E-Statements check check check check check
Monthly Fees No fee if enrolled in E-statements.  If a minimum balance of $1500 is not maintained as a total across all deposit products, a $15 maintenance fee will be applied each month the minimum balance is not met.  No fee. Lower interest is earned if minimum qualifications are not met. No fee. Reward is not earned if minimum qualifications are not met. No fee. Reward is not earned if minimum qualifications are not met.
Paper Statements $4/month Complimentary If received, account will not qualify for rewards.  If received, account will not qualify for rewards.  If received, account will not qualify for rewards. 

* = Account earns interest. Click here for Current Rates 

To view statement cycles for Kasasa products, click here

 
 

BFH Basic Checking

This basic checking account is a great option to meet all of your daily needs so you can focus on what matters most! 

  • Unlimited check writing/debit card usage
  • ATM cards and Visa Debit Cards provided
  • E-Statement with images included
  • No minimum balance required 
  • $100 minimum to open
  • Free online & mobile banking
  • Free mobile deposit (must enroll through a banking representative or through online banking/app)
  • Free online bill pay 
  • Download our free MOBILE APP (available on your app store of choice)
  • Complimentary notary services 
  • Paper statements: $4/ month

Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges. 

Open Account Now Contact us

 

BFH Legacy Checking

This account is exclusively for our Legacy Club Members. This account includes extra perks - available only to YOU! 

  • Unlimited check writing/debit card usage
  • ATM cards and Visa Debit Cards provided 
  • E-Statement or paper statement complimentary 
  •  Paper statements with images will be available by the 5th business day of each month.
  • $1500 minimum cumulative deposit balance to open
  • $1,500 cumulative minimum balance required*
  • *$15 fee assessed per statement cycle if cumulative balance falls below $1,500 on any day in the statement cycle
  • Complimentary Notary Services 
  • Complimentary monthly Legacy Club Newsletter 
  • Discounted safe deposit boxes
  • 2 complimentary boxes of checks a year
  • Travel opportunities & events
  • Complimentary credit report & assistance from a dedicated banking expert 
  • Free online & mobile banking
  • Free mobile deposit (enroll through the app/online banking or through a representative)
  • Free online bill pay 
  • Download our free MOBILE APP from your app store of choice
  • Monthly maintenance fee: $15 if balance falls below $1500 as a total across all deposit products
  • How to avoid this fee: Maintain a balance of $1500 or more in your products - collectively 

Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges. 

Open Account Now Contact us

 

Kasasa Cash® Checking

Earn a high rate on your balance, plus ATM withdrawal fee refunds. *

  • Free checking that earns high interest 
  • 2.00% APY* on balances up to $15,000
  • 2.00% to 0.48% APY on balances over $15,000 depending on the balance in account *
  • 0.05% APY* if qualifications aren't met 
  • $100 minimum deposit to open
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
  • Link to a free, interest-bearing Kasasa Saver® account to build savings automatically
  • Your Kasasa Cash rewards (both earnings & ATM refunds) will be swept each monthly cycle to effortlessly collect and grow your savings
  • Free online and mobile banking, including
    • free MOBILE APP (available at your app store)
    • free mobile deposit (enroll through your app or contact a bank representative)
    • free online bill pay
    • free e-statements
  • No minimum balance required
  • No monthly maintenance fee

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least a combined total of 15 debit card purchases, (minimum $1 each)
  • Be enrolled in and agree to receive E-Statements

And that’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base interest rate and can get right back to earning your full rewards the very next month!

Open Account Now    Contact Us

Qualification Information:

  • Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: transfers between accounts, PIN-based/signature-based debit card purchases less than $1.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
  • "Monthly Qualification Cycle" is not the same as the current statement cycle.
  • Please visit bankflinthills.com or call 785-456-2221 to speak to one of our branch service representatives for specific Monthly Qualification Cycle dates.
  • "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Please visit bankflinthills.com or call 785-456-2221 to speak to one of our branch service representatives for specific Statement Cycle dates.

Reward Information:

  • When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to $15,000.00 in your Kasasa Cash account earn an interest rate of 1.98% resulting in an APY of 2.00%. Daily balances of $15,000.00 and above earn an interest rate of 0.25% on the portion of the daily balance of $15,000.00 and above resulting in a range from 0.25% to 2.00% APY depending on the account's daily balance.
  • You will receive reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
  • When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05%, and ATM withdrawal fees are not refunded.
  • Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.
  • Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.
  • APY = Annual Percentage Yield. APYs accurate as of 10/01/2020.
  • APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
  • Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

  • Account approval, conditions, qualifications, limits, timeframes, enrollments, log-on, and other requirements apply.
  • $100.00 minimum deposit is required to open the account.
  • Monthly Direct Deposit/ACH credit/ACH debit and e-statement enrollment via online banking is required.
  • Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
  • Limit of one account(s) per person.
  • There are no recurring monthly maintenance charges or fees to open or close this account.
  • This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Member FDIC.

Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

Kasasa Cash Back® Checking

Earn cash back on your debit card purchases, plus ATM withdrawal fee refunds. *

  • Free checking that pays you back
  • 4.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $250 in purchases monthly
  • Earn up to $120 cash back per year, $10 per month
  • $100 minimum deposit to open
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
  • Can open a free Kasasa Saver® account to grow your savings
  • Free online & mobile banking, including:
  • free MOBILE APP (available at your app store)
  • free mobile deposit (enroll through your app or contact a bank representative)
  • free online bill pay
  • free E-Statements
  • No minimum balance required
  • No monthly maintenance fee

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least a combined total of 15 debit card purchases, (minimum $1 each)
  • Be enrolled in and agree to receive E-Statements

That’s just how simple it is. Don’t worry if you don’t meet your qualifications during the cycle — your Kasasa Cash Back account is still free. Even more, you can get right back to earning your full rewards the very next month!

Open Account Now     Contact Us

Qualification Information:

  • Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: transfers between accounts, PIN-based/signature-based debit card purchases less than $1.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
  • "Monthly Qualification Cycle" is not the same as the current statement cycle.
  • Please use bankflinthills.com or call 785-456-2221 to contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
  • "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Please use bankflinthills.com or call 785-456-2221 to contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information:

  • When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
  • You will receive reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
  • When your Kasasa Cash Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.
  • Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last processing/business day of the current statement cycle.
  • Rates, rewards, and bonuses, if any, are variable and may change after the account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

  • Account approval, conditions, qualifications, limits, timeframes, enrollments, log-on, and other requirements apply.
  • $100.00 minimum deposit is required to open the account.
  • Monthly Direct Deposit/ACH credit/ACH debit and e-statement enrollment via online banking is required.
  • Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
  • Limit of one (1) account(s) per person.
  • There are no recurring monthly maintenance charges or fees to open or close this account.
  • This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Member FDIC.

Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

Kasasa Tunes® Checking

Earn reimbursements on your Apple® iTunes™, Amazon.com®, and/or Google Play™ purchases when you qualify. Plus, earn ATM withdrawal fee refunds.*

  • Free checking that pays you to shop online
  • Earn $10 in refunds for Apple® iTunes™, Amazon.com®, and/or Google Play™ purchases every month*
  • Get $20 in refunds for Apple® iTunes™, Amazon.com®, and/or Google Play™ purchases when you open your account*
  • $100 minimum deposit to open
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
  • Free online & mobile banking, including:
  • free MOBILE APP (available at your app store)
  • free mobile deposit (enroll through your app or contact a bank representative)
  • free online bill pay
  • free E-Statements
  • No minimum balance required
  • No monthly maintenance fee

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Tunes account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least a combined total of 15 debit card purchases, (minimum $1 each)
  • Be enrolled in and agree to receive E-Statements

Even if you don’t meet these qualifications, your account is still free. Plus, you can get right back to qualifying to earn your cash rewards the very next monthly cycle.

Open Account Now     Contact Us

Bonus Information:

  • As a bonus to individuals who open and fund a new Kasasa Tunes account, our bank will refund up to an aggregate total of $20.00 (which includes any applicable taxes) for any iTunes, Amazon.com, or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after your account is opened.
  • This refund will be credited to your account on the first processing/business day of the following statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20.00 posts and settles to your account.
  • Any portion of this bonus that is not used within the stated time period will be forfeited.
  • $100.00 minimum deposit is required to open the account.
  • Limit one (1) account(s) per person and one account opening bonus per account per calendar year.
  • If your Kasasa Tunes account is closed within 12 months of account opening, we will deduct the account opening bonus at closing.
  • Account opening bonus will not be paid if accountholder switches into a Kasasa Tunes account from another account that offered an account opening incentive to open the initial account.

Qualification Information:

  • Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: transfers between accounts, PIN-based, signature-based debit card purchases less than $1.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
  • "Monthly Qualification Cycle" is not the same as the current statement cycle.
  • Please visit our website at bankflinthills.com or call 785-456-2221 to contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
  • "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Please visit our website at bankflinthills.com or call 785-456-2221 to contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information:

  • When your Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, you will receive up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.
  • You will receive reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Tunes account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
  • When your Kasasa Tunes account qualifications are not met, iTunes, Amazon.com, and Google Play purchases and ATM withdrawal fees are not refunded.
  • iTunes, Amazon.com and Google Play purchase reimbursements and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Tunes account on the first processing/business day of the following statement cycle.
  • Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

  • Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply.
  • $100.00 minimum deposit is required to open the account.
  • Monthly Direct Deposit/ACH credit/ACH debit and e-statement enrollment via online banking is required.
  • Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
  • Limit of one (1) account(s) per person.
  • There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Member FDIC.

Trademarks:

iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com, and Google, Inc. are not participants in or sponsors of this program.

Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.