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Central Bank of Kansas City Review

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Central Bank of Kansas City
Michael Graw
Michael Graw
Nov. 02, 20214 min read

Central Bank of Kansas City summary

Central Bank of Kansas City offers both personal and business checking and savings accounts. All accounts are free if you meet monthly balance and transaction requirements. The bank has 2 branches and a limited number of ATMs, but you can manage your accounts and deposit checks using the mobile app.


  • Personal and business accounts
  • Mobile check deposits
  • Fee-free when you meet minimum balance


  • Limited number of branches and ATMs
  • No reimbursement for ATM fees
  • 0% interest on personal checking below $1,000 balance

Central Bank of Kansas City Central Bank of Kansas City Visit Central Bank of Kansas City

Advantages Over Traditional Banks

Central Bank of Kansas City is a community bank based in Kansas City, Kansas. The bank offers low-fee checking accounts and you can eliminate fees with a $100 minimum balance. This bank offers accounts for both individuals and small businesses, and offers additional services like IRAs and CDs. Unlike many other community banks, Central Bank of Kansas City offers a modern mobile banking app that supports check deposits and online bill pay.

Cutting-Edge Banking Services 

This bank offers a mobile app that enables you to deposit checks from anywhere, make transfers instantly, and pay your bills online. The bank also enables you to set up recurring transfers between your checking and savings account with no fees.

Traditional Banking Services 

Although it only has 2 physical branches and around half a dozen ATMs in Kansas City, this bank does not reimburse ATM fees from competitors’ ATMs.

In addition to checking and savings accounts, this bank offers CDs ranging from 28 days to 5 years, which you can open with a minimum deposit of $500. Central Bank of Kansas City also offers IRAs, which are invested in the bank’s CDs. Small businesses can apply for commercial and real estate loans with this bank.

Interest Rates and Fees

Kansas City Central Bank offers 3 different personal checking accounts:

The eBanking account requires a $100 minimum deposit and only supports online banking, not paper statements or physical checks. If your balance drops below $100 per month, you’ll be charged a $7 monthly fee. 

The Blue Basic and Premier Checking accounts each require a $1,000 minimum deposit. The Blue Basic account includes paper statements and costs $7 per month if your balance drops below $1,000. The Premier Checking account offers 0.05% APY on balances above $1,000 and costs $10 per month if your balance drops below $1,000.

A personal savings account is free and requires a $100 minimum deposit to open. You are eligible for interest of 0.10% APY as long as you maintain a $100 balance.

The eChecking commercial checking account is completely fee-free with no minimum balance requirement. You need a $200 deposit to open an account. If you need paper statements or paper checks, Central Bank of Kansas offers traditional business checking accounts with transaction fees that vary based on your balance and transaction volume.

A business savings account is free and requires a $100 minimum deposit to open. Balances over $100 are eligible for 0.10% APY interest.

Balance to Open
Min. Balance to Waive Fee
Interest Rate
Blue Basic
Premier Checking
Personal Savings
Business Savings

Customer Service

You can get in touch with Central Bank of Kansas City by phone or email, or by visiting one of the bank’s 2 branches. Support is available from 8:00 AM to 6:00 PM CT Monday to Friday and 9:00 AM to 12:00 PM CT Saturday.

Mobile App

Central Bank of Kansas City has a mobile app for iOS and Android that enables you to view your statements, transfer funds, pay your bills online, or deposit checks on the go. 


Central Bank of Kansas City uses SSL encryption to secure your online account. The bank does not support two factor authentication to protect your account, but you can monitor transactions using the mobile app. All accounts are backed by FDIC insurance for up to $250,000.

Central Bank of Kansas City Central Bank of Kansas City Visit Central Bank of Kansas City


Central Bank of Kansas City is a community bank based in Kansas City, Kansas, that offers checking and savings accounts for individuals and small businesses. All accounts are free as long as you meet minimum balance requirements. You can manage your account online or through the Central Bank of Kansas City mobile app, which supports bill pay and mobile check deposits. The bank also offers CDs, IRAs, and commercial loans. 


This review was created based on information from the Central Bank of Kansas City website.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Central Bank of Kansas City
Central Bank of Kansas City

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