Kansas is growing, particularly in metropolitan areas like Kansas City and Topeka. Whether you’re a longtime resident or you’re new to the state, there are plenty of banks in Kansas to meet your financial needs, from checking accounts with no minimum deposit to savings account options with competitive interest rates.
10 Best Banks in Kansas
Kansas residents have plenty of options when it comes to banking services. Whether it’s a small bank like Capitol Federal Savings Bank or a local branch of a big bank like Bank of America, you can find the bank that works for you. Here are some of the top banks in Kansas to help you with your search.
1. U.S. Bank
U.S. Bank holds a significant footprint in Kansas, combining the convenience of local branches with the extensive services of a national bank.
2. SoFi
The SoFi Checking & Savings account offers a modern online banking experience with competitive interest rates and valuable perks.
3. Current
Current is a U.S.-based fintech that provides accessible online banking with modern features and no hidden fees.
4. Commerce Bank
Commerce Bank is a well-established regional bank with a strong presence across Kansas, offering a mix of modern convenience and personalized service.
5. Security Bank of Kansas City
Security Bank of Kansas City is a community-focused bank known for personalized service and a strong selection of financial products.
6. Capitol Federal Savings Bank
Capitol Federal Savings Bank is a long-standing community bank serving Central and Southeast Kansas, with branches in cities like Emporia, Hutchinson, Lawrence, Leavenworth, Manhattan, Olathe, Topeka, Wichita, and more.
7. Bank of America
Bank of America is a well-known national bank with a strong presence in Kansas, offering a mix of online and in-person banking services.
8. InTrust Bank
InTrust Bank serves customers across Kansas, with branches in cities such as El Dorado, Great Bend, Hays, Hutchinson, Lawrence, Newton, Overland Park, Salina, Topeka, and Wichita.
9. Emprise Bank
Emprise Bank is a family-owned bank with locations in Wichita and surrounding areas. Like many community banks, you’ll have a limited number of branches, but Emprise offers free ATM usage at over 55,000 AllPoint ATMs nationwide.
10. North American Savings Bank
For those in Kansas City exploring local banking options, North American Savings Bank presents a fine choice by blending the essence of community banking with modern mobile banking facilities and broad ATM accessibility across the country.
How to Choose the Best Bank in Kansas
Finding the right bank in Kansas comes down to what fits your financial needs. Here are key factors to consider:
- Branch and ATM access: If in-person banking matters, choose a bank with convenient locations and a strong ATM network.
- Fees: Look for banks with low or no fees on maintenance, overdrafts, and ATM withdrawals. Some waive fees with direct deposits or balance requirements.
- Interest rates: Compare APYs on savings accounts and loan rates to ensure you’re getting the best return or lowest borrowing costs.
- Online and mobile banking: A reliable digital platform with features like bill pay, mobile check deposit, and account alerts makes managing money easier.
- Customer service: Reviews and recommendations can help you find a bank known for responsive and helpful support.
- Specialized services: If you need business banking, mortgages, or investment services, look for banks that offer those options.
- Security: Ensure the bank is FDIC-insured and provides strong fraud protection measures.
- Community involvement: Some prefer banks that invest in local businesses and community initiatives.
- Promotions and bonuses: While not a deciding factor, sign-up incentives can be a nice perk when opening an account.
Comparing these factors will help you choose a bank that meets your current and future financial needs.
Types of Banks to Consider in Kansas
Finding the right bank depends on your financial needs and priorities, whether it’s nationwide access, personalized service, or high-yield savings. Here’s how different types of banks compare:
- National banks offer widespread branch and ATM networks, advanced digital banking, and a full range of financial services. However, they may lack the personalized customer service of smaller banks.
- Regional banks provide a balance between accessibility and local expertise, offering strong customer service with a broad selection of products.
- Community banks focus on relationship-based banking with flexible lending options and personalized service. They may have fewer branches, so check their ATM partnerships if you travel often.
- Online banks tend to offer higher interest rates and fewer fees, but may lack in-person services. Some may not provide traditional banking features like cash deposits or check writing.
- Credit unions are member-owned and typically feature lower fees, better rates, and a community-driven approach. While they may have fewer branches and digital tools, their focus on member benefits makes them a strong alternative.
Some of the best credit unions in Kansas include Azura Credit Union, CommunityAmerica Credit Union, White Eagle Credit Union, Golden Plains Credit Union, Credit Union of America, and Envista Credit Union.
Final Thoughts
The best banks in Kansas offer a mix of convenience, competitive rates, and strong customer service. Whether you prefer a national bank with extensive branch access, a community-focused credit union, or a digital bank with high-yield savings, the right choice depends on your financial needs and habits.
As you evaluate your options, consider factors like fees, account features, and accessibility to ensure your bank supports your long-term goals. A well-matched banking partner makes managing your money easier and more rewarding.
