Kinder bank accounts that keep more cash in your pocket.

Disclosures

If the account holder is under the age of 18, the account must be joint with a parent or guardian.

1. Quarter Back^® Checking rebates $0.25 for each qualified transaction that posts within the statement period. Qualified transactions are debit card purchases of $25 or more. ATM transactions do not qualify. Rebates post on last day of statement period while account is open and are labeled as “Cash Rewards.” May be subject to 1099 reporting. Fees may reduce earnings. 
2. PayBack^SM Checking automatically refunds up to $15 in ATM surcharges imposed by other banks per statement period, in the statement period that fee was incurred, while the account is open. Rebates are labeled as “ATM Surcharge Rebate” on the statement. 
3. Bank will decline or return transactions when there is not enough money in the BankSmart Account to cover the charge. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when a tip is added at a restaurant after the transaction for the meal has already been approved. In this situation, the full payment may go through and result in a negative balance on your account, but Bank will not charge you an overdraft fee. Checks will not be issued for this account.
4. Monthly maintenance service charge will be waived if any account owner is 26 and under or 65 and over.
5. My Pay^SM – Student Banking primary account owner must be between 16 and 25 years of age. At age 25, the account may be changed to a different Bank checking account. Account automatically refunds up to $10 in ATM surcharges imposed by other banks per statement period, in the statement period that fee was incurred, while the account is open. Rebates are labeled as “ATM Surcharge Rebate” on the statement. Earn $0.10 for every debit card transaction of $10 or more that posts within the statement period, up to $10 per statement period. ATM transactions do not qualify. Rebates post on last day of statement period while account is open and are labeled as “Cash Rewards.” May be subject to 1099 reporting. Fees may reduce earnings. 
6. Avoid $2 monthly paper statement fee with eStatements. Account owners age 65 or over, Individual Development Accounts, Health Savings Accounts, IRA Money Market Fund, and Lease Security - Tenant are exempt.
7. To ensure timely payment of your $300 incentive, please be aware of the following: Only available when opening PayBack^SM Checking or Quarter Back^® Checking. Consumer accounts only; one account per customer. All account holders on the account must be new consumer checking customers. You may not have had a checking account within the past 365 days. Direct deposit of your payroll, social security, pension or government benefits is required within 60 days of account opening OR 5 debit card transactions must be completed within 60 days of account opening (ATM transactions do not qualify). $300 will be credited to new PayBack^SM Checking or Quarter Back^® Checking account up to 60 days after first direct deposit transaction OR up to 60 days after completing 5 debit card transactions (ATM transactions do not qualify) while account is open. Offer ends 8/31/23, may be withdrawn at any time, may not be combined with other offers, is subject to change, and may be subject to 1099 reporting. No minimum balance required to obtain incentive.
8. To ensure timely payout of your $150 incentive, please be aware of the following: Earn a one-time $150 incentive if 5 debit card transactions are completed within 60 days of account opening (ATM transactions do not qualify). $150 incentive will be credited to My Pay^SM - Student Banking account up to 60 days after 5 debit card transactions are completed while account is open. All account holders on the account must be new consumer checking account customers and may not have had a checking account within the past 365 days. Minors required to have co-account holders are exempt. One account per customer. No minimum balance required to obtain incentive. May be subject to 1099 reporting. Offer ends 8/31/23, may not be combined with other promotional offers, is subject to change and may be withdrawn at any time.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a trademark of Google LLC.