Regular Checking

• Available to Consumers and Businesses
• $100.00 Minimum Deposit to Open
• $500.00 Average Daily Balance Required*
• Unlimited Deposits and Check Writing
• King Southern Bank Debit Card Available
• Direct Deposit Available
• Overdraft Protection Available
• Internet Banking with Electronic Bill Pay Available

Free Checking for Seniors and Students

• Available to Seniors Over 62 and Students
• No Balance Requirement
• Unlimited Deposits and Check Writing
• Free King Southern Bank Basic Checks (1^st Order)
• No Monthly Service Charge for the Account
• King Southern Bank Debit Card Available
• Direct Deposit Available
• Overdraft Protection Available
• Internet Banking with Electronic Bill Pay Available

   

Now Account

• Available to Consumers and Sole Proprietorships
• $2,500.00 Minimum Deposit To Open
• $2,500.00 Minimum Daily Balance Required****
• Unlimited Check Writing
• Earns a Competitive Interest Rate
• Overdraft Protection Available
• Internet Banking and Electronic Bill Pay Available

   

Passbook Savings

• Available to Consumers And Businesses
• $100.00 Minimum Deposit To Open
• $50.00 Minimum Daily Balance Required*
• 3 Withdrawals Allowed Per Month**
• Earns a Competitive Interest Rate
• Internet Banking Available

   

Money Market Account

• Available to Consumers and Businesses
• $2,500.00 Minimum Deposit to Open
• $1,000.00 Minimum Daily Balance Required*
• Six Withdrawals Allowed Per Month***
• Earns a Competitive Interest Rate
• Internet Banking Available

   

Certificate Of Deposit

• Minimum $1,000.00 Deposit To Open
• Earns a Competitive Rate with Interest being paid by check or compounding monthly

Merchant Services

King Southern Bank provides complete solutions for your credit and debit card processing needs. Our merchant services program enables your business to accept Visa, MasterCard, American Express and Discover. Through our partnership with National Processing Company (NPC), we are able to offer outstanding service and results with interchange rates below our competition. Please contact King Southern Bank at 502-245-9600 to inquire about merchant services and set up a free review of your current merchant services program. For additional information, click the following link: www.npc.net/kingsouthernbank.aspx .

Remote Capture:

Remote Capture gives customers the ability to make non-cash deposits from the comfort of their own office.  With remote capture the customer logs into a secure website, creates a batch (e.g. a deposit and enters the total amount and item count for the batch), uses a check scanner to scan checks into the system and balance their own transactions.  User Security can be enabled to allow company employees access to scan, audit, edit, delete, and approve transactions.  Additionally, User Security can provide for separation of duties during the process.  Remote Capture has the same 2 o'clock p.m. transaction cut off time as all of the branches.  After 2 o'clock p.m. a file of all Remote Capture customers' transactions for the day is provided for the bank to transfer into our processing systems.    Any open batches completed after 2 o'clock p.m. will be counted on the next business day.  Programming within the Remote Capture system also prevents the potential of duplicate items being scanned and transmitted.  King Southern Bank requires that original scanned checks be retained by the Remote Capture customer for 90 days in a secure environment and then shredded after the 90 days are complete.  With Remote Capture customers also have the capability to require extra information be keyed with each check that is scanned into the system.  This extra information may consist of invoice numbers that relate to the check or the customer's name and may be exported to excel for easy tracking of payments.  Our Remote Deposit system also has various reports available in daily weekly and monthly reports. Information is stored and accessible for up to two years.

Please contact us at (502) 245-9600 for additional information or to schedule a demonstration.