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KS StateBank Review

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KS StateBank Savings
0.70% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1969, KS StateBank has assets totaling $2 billion and deposits totaling $2 billion, classifying it as a large bank. KS StateBank, whose headquarters are in Manhattan, Kansas, lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. SmartAsset experts rated KS StateBank 4.7 out of 5 stars, suggesting it is an excellent bank that warrants a strong look. KS StateBank offers a complete suite of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, KS StateBank's standard checking account does not carry a monthly maintenance fee. Using a bank with free checking as well as a high interest rate savings account is the best bet for getting the most income from your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

KS StateBank features a savings rate of 0.70%, which is poor as compared against the national average. KS StateBank's CDs feature a rate of 2.62% and 3.49% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 1.49%. Given KS StateBank's noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How KS StateBank's Savings Rates Compare

KS StateBank Savings 0.70 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, KS StateBank charges its customers extremely low fees in comparison to other U.S. banks. Its checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. KS StateBank does not reimburse out-of-network ATM charges, which means you will need to search for a KS StateBank ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

KS StateBank is a brick-and-mortar bank, with seven total branches in Arizona and Kansas. With mobile and web apps, KS StateBank makes mobile banking straightforward, even on the go. It does not offer all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday, 8:00 a.m. to 6:00 p.m. CT; Saturday, and 9:00 a.m. to 12:00 p.m. CT. KS StateBank gets moderately satisfactory ratings from customers for its mobile app. Out of 45 customer reviews across Apple and Android platforms, the KS StateBank mobile app rates a 4.3 out of 5 (compared to the national average of 3.8). You can utilize KS StateBank's mobile app to control your funds by checking current statements, sending and receiving money and accessing support representatives. KS StateBank receives an excellent consumer satisfaction rating based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 4.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

KS StateBank ranks as a large bank and manages $2 billion in assets as well as deposits totaling $2 billion. KS StateBank's Texas Ratio is 2.10%, denoting a low likelihood of failure. Additionally, KS StateBank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare KS StateBank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.7% APY $100
Certificates of Deposit
  • 12 Month: 2.62% APY
  • 24 Month: 3.10% APY
  • 36 Month: 3.22% APY
  • 48 Month: 3.35% APY
  • 60 Month: 3.49% APY
$500 for all terms
Money Market Account 1.25% APY $2500

KS StateBank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. KS StateBank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. KS StateBank's CD rates are fair compared to the average U.S. bank.

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Find a KS StateBank Near Me

KS StateBank has seven physical branches in the U.S.

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