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KS StateBank Review

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KS StateBank Savings
0.50% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1969, KS StateBank has $2 billion in assets as well as deposits totaling $2 billion, ranking the institution as a large bank. KS StateBank, whose headquarters are in Manhattan, Kansas, lacks premium access to customer service, with no live chat or all-day service options available. 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 would be an ideal pick. KS StateBank offers the full selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. KS StateBank has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, the bank's standard checking does not have a monthly maintenance charge. Locating an institution with free checking, in addition to a high savings APY is the best option for getting the most income from your deposits while having 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

With a savings rate of 0.50%, KS StateBank ranks poorly compared to the national average. KS StateBank's one-year and five-year term lengths CDs earn at a rate of 2.62% and 3.49%, respectively, while its highest-yielding money market account earns at an APY of 1.00%. Given its noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits.

How KS StateBank's Savings Rates Compare

KS StateBank Savings 0.50 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

KS StateBank has generally 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 simple account. KS StateBank unfortunately does not reimburse out-of-network ATM fees, which means you will need to find 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. It also offers access to mobile and web apps for easy access and banking on the go. It does not offer all-day customer service with actual service representatives. You can get help during its 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's online and mobile banking services get relatively decent scores from customers. The KS StateBank mobile app has been given a 4.3 out of 5 (with 45 ratings on Apple and Android) compared to the national average of 3.8. You can utilize KS StateBank's mobile app to manage your accounts by checking current statements, transferring funds as well as reaching customer service. KS StateBank gets an exceptional consumer satisfaction rating based on comparatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government 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 is a large bank with $2 billion in assets as well as deposits totaling $2 billion. Its Texas Ratio is 2.10%, signifying that the bank is in outstanding financial condition and improbable to fail. 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 0.5% 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 0.75% APY $2500

KS StateBank has several deposit products like 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 in comparison to the average U.S. bank.

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Find a KS StateBank Near Me

KS StateBank has seven locations across the U.S.

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