Online Account Opening FAQ

Q. What accounts can I open online?
A. Currently, we offer minor, individual, and joint online applications for:
  • Checking PLUS* 
  • Classic Checking*
  • Simple Savings
  • Advantage Money Market*
  • Choose Your Term CD: 6 month and 1, 2, 3, 4, 5 and 7 year options
All US residents are able to apply.  
 
*Minors aged 12 to 17 are eligible to open this account. A parent or legal guardian must be named as a joint account holder and all associated services are available to the minor (e.g., debit card, online banking, combined statements, etc.).
 
 
Q. What types of accounts cannot be opened online?
A. Accounts cannot be opened by those living outside of the United States. Individual Retirement Accounts (IRAs), business accounts, and trust accounts are available in-branch only, and are not available to open using online account opening.

Note: Trusts can be added as beneficiaries in online account opening.
 
 
Q. What do I need to open an account?
A. You will need the following items to complete the online account opening application:
  • Valid ID (driver’s license, state issued ID, U.S. passport, or Permanent Resident Card)
  • Social Security number
  • Date of birth
  • Email address
  • Funding account information: Either your online banking credentials or your account number and routing number associated with your funding account
 
Q. How many owners can I have on my new account?
A. Currently, online accounts can be opened with one owner or a secondary joint owner. Minor accounts will be in the primary ownership of the minor; a guardian is required on the account and will have joint ownership. At this time, there can be a total of two owners for any account that is opened online.  
 
 
Q. Can I designate beneficiaries on my account?
A. Yes, you can add an unlimited number of beneficiaries to any of our KS StateBank accounts. We require the name of each beneficiary, and while not required, we also encourage you to let us know how they are related to you and their Social Security Number, if you have it. All beneficiaries that you add will be set up to have equal shares.  
 
 
Q. I have started my application and I made a mistake. How do I go back to correct my information?
A. If you selected the wrong account type, you will need to start the account opening process over.

To start a new application, click on your name in the upper right hand corner, access “My Applications,” where you will be able to select “Open a New Account,” and choose a different account type. 

There is no back button in our application, but have no fear. If you entered in your personal or funding information in incorrectly, you will be able to update any of your information once you reach the “Review your information” page using the edit buttons.

Even if you feel you entered in all of your information correctly, it is important to carefully review the information on the “Review your information” page to ensure your information is accurate and up to date.


Q. Can I open more than one account?
A. Yes. Start with the product you are most interested in, once your application is complete, you will be able to select any desired services that are associated with your accounts such as debit cards and checks and add a joint owner and beneficiaries.

Once you have your account the way you want, click on “Open a New Account,” to start another application for your next product. Don’t worry, you won’t be required to enter in all your information again! You may only be asked questions about how you plan to use your account, enter your funding, and review your information and the agreements applicable to that account type.   
 
 
Q. How do I add a joint owner to my account?
A. If you want to add a joint owner at the time you open your account, you will be able to do that once you’ve completed the account opening questions for yourself. There will be a button to add a joint owner at the end of the application, and once you enter their name and email, they will be sent an email inviting them to join the account. You will not need to enter any other information for the joint owner.

You can also add an owner at a later time. Simply access our Open an Account page, log in using the purple button in the upper right hand corner. This will take you to your application portal where all your accounts and application are managed. In your application portal, access the account you would like to add an owner to, and click on “Add Joint Owner”. This will send an email inviting them to your account. When they access their email, they will enter in their information, review their application and agreement, and pick the services they would like for the account. Now they are added to your account and have their own application portal.  
 
 
Q. What is the difference between a Certificate of Deposit (CD) and a High Balance Certificate of Deposit (CD)?
A. With our Choose Your Term CDs, the minimum to open the account is $500 and the maximum is $250,000. Our High Balance CDs have a minimum to open of $250,001 and a maximum of $500,000. 
 
 
Q. How will the interest be paid on my CD?
A. Online applications only provide the option for interest to be compounded and credited to the CD quarterly. If you would like to have your interest sent by ACH quarterly to another financial institution instead we can set that up for you once your account is open. You will need to send a Secure Message from your Online Banking or contact our Client Care team at 800-588-6805 for further instructions.


Q. How can I fund my account?
A. Accounts are funded by ACH. You will be given two options: utilize Plaid where you will enter your online banking credentials from your other financial institution or you can enter your checking or savings account number and routing number. Funds will be debited from your funding account in 1 to 3 business days.


Q. What is Plaid?
A. Plaid is a financial technology (fintech) company that allows users to securely connect their financial accounts to apps and services. Plaid is considered safe to use. They use advanced security and encryption protocols as well as multifactor authentication. Personal information is never shared unless it has permission to do so. Their API (Application Programming Interface) and security controls are regularly audited by security researchers and financial institutions. Learn more about their company at plaid.com.
 
 
Q. When is my account considered opened?
A. The application starts with the primary owner completing their application. Once your application is approved, your onboarding screen will immediately show the new account number, your rate, and your account will be open.

If your application needs further review, you will receive an email once your account review is complete. Your account will be considered opened if the application is approved.
You can also check the status of your accounts and applications at any time by logging in to the application portal.  
 
When opening a checking, savings, or money market account, funds will be deposited into your new account when the ACH is received by KS StateBank. CDs are open and active when applications are approved, and receive provisional credit immediately.
 
 
Q. When will I receive my account number?
A. Once your application is approved, your onboarding screen will immediately show the new account number. This will also be available at any time when you log in to your application portal.  
 
 
Q. How do I order a debit card?
A. Debit cards are available for our Classic Checking, Checking PLUS, and Advantage Money Market accounts. Once you have completed your application, on your onboarding page, click on “Add a Card,” and request your debit card.

If you are adding a debit card to a Classic Checking or Checking PLUS account, you will also be asked if you want the standard courtesy Overdraft Privilege for debit card transactions. If you would like to access your Bounce Protection when using your debit card for everyday purchases and ATM withdrawals you can enable this service. If you do not enable, you will not have access to your Bounce Protection with your debit card for everyday purchases and ATM withdrawals. This decision can be added or changed at any time.      
 
Q. What is Bounce Protection?
A. Bounce Protection is our standard overdraft protection that comes with Classic Checking and Checking PLUS accounts after a 60 day waiting period. This protection gives KS StateBank the ability to consider paying your checks, ACH and other transactions made using your checking and savings account number, and automatic bill payments to include those made using your debit card.

In order to access your Bounce Protection using your debit card for everyday purchases and ATM withdrawals you can enable this service, you would need to enable your opt in as described above in “How do I order a Debit Card?”  
 
 
Q. How do I set up online banking?
A. You will be able to set up online banking for your new account once you have completed your application. If you are new to KS StateBank, click on the purple “Enroll in Online Banking” button at the bottom of your onboarding screen. You will be prompted through the process of completing our Online Banking Automated system. Once complete you will be provided with your online banking ID and password to log in.

If you are an existing client, upon account application completion, click on “Online Banking Access” in the Onboarding screen. From there you can request for your new account to be added. We will add the account to your online banking within two business days.  
 
 
Q. How can I enroll in E-Statements?
A. If you are new to KS StateBank and are opening your first account with us, you will be able to enroll in Online Banking once your application is complete. When you log in to your online banking account you will be prompted to enroll in E-Statements. By signing up for E-Statements, you will avoid the $2 Paper Statement Fee for our Checking PLUS, Simple Savings and Advantage Money Market accounts. Online banking is required in order to receive E-Statements.

When you are opening an additional account that you would like to enroll in E-Statements, once logged into your Online Banking, click on the “E-Statements” tab then “Documents and Settings.” You have control to make updates to any of the documents you receive including the ability to add Statements and Notices to your new accounts.  
 
 
Q. How do I make changes to my beneficiaries?
A. Once your account has beneficiaries, you will need to send in a Secure Message from your online banking with the changes that you would like to make. For further instructions you can visit a branch or contact Client Care at 800-588-6805.