Best Banks in Kansas
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
The best banks in Kansas are regional banks that offer personalized service, in-person banking services and understand the unique needs and challenges of consumers in the Midwest. Banks like INTRUST Bank, GOBankingRates’ number one pick, offer fee-free checking and savings, and a long-standing history in Kansas.
This guide to the best banks in Kansas covers your best options for checking, savings and certificate of deposit (CD) accounts.
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TOP KANSAS BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Features
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Detailed Reviews of the Best Banks in Kansas
Here’s a rundown of the main features and details of GOBankingRates’ picks for top banks in Kansas.
Gold Winner: INTRUST Bank
INTRUST Bank has been providing services to Kansas residents since 1876 and is still led by a father-and-son team. INTRUST offers comprehensive banking services and wealth management, including two options for free checking and two premium accounts with fees that can be easily waived. INTRUST earned GOBankingRates’ vote as the best bank in Kansas for checking and savings accounts.
Best For
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposits
Interest-Earning Checking
Fee-Free Checking With No Minimum Opening Balance
INTRUST Bank has an extensive ATM network of 55,000 machines through the Allpoint network, overdraft protection and options for interest-earning checking accounts. Checking customers can also get discounted rates on new loans through INTRUST, making it a true, full-service banking solution.
Total Branch Locations
Over 40
Mobile App Rating
4.7 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Fee-free checking, interest-earning checking, high-yield CD account
Pros
- CD APYs are competitive
- Interest-earning checking account
- Many savings and checking account choices
Cons
- Some accounts charge ATM fees for out-of-network transactions
- $100 minimum opening balance to earn interest on checking
- May have to visit a branch to open
Why We Like INTRUST Bank
With fee-free and interest-earning checking, competitive CD rates, plus a vast ATM network, INTRUST stands out as the top bank in Kansas.
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Silver Winner: Commerce Bank
Of the top banks in Kansas, Commerce Bank has the most branches. But where the regional bank really shines is its robust savings account, with no minimum opening deposit, a low monthly fee and a reward bonus of up to $40 per household when you make savings deposits for 12 months in a row.
Best For
Mobile Banking
Low Monthly Fees
No Minimum Deposits
Loan Options
Savings Tools
Reward Savings With Features Like Round Up and SmartSave
Commerce Bank offers multiple options in checking, a referral program where you can earn up to $500 in Visa Rewards cards and multiple loan programs. As a full-service bank, it has everything Kansas residents need to manage their money.
Total Branch Locations
300
Mobile App Rating
4.7 on both the Apple App Store and Google Play
Other Products Offered
Checking, savings, money market, loan options
Pros
- 300 convenient locations across the Midwest
- Free checking
- Savings rewards bonus
Cons
- Low interest on savings account
- $25 minimum opening deposit for checking
- Commerce ID Recover and Monitor services have additional fees
Why We Like Commerce Bank
Commerce Bank offers checking, savings and loan products comparable to a national bank, with 300 branches and ATM locations, plus free access to the MoneyPass network of ATMs.
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Bronze Winner: Central National Bank
With APYs going up to and terms starting at just 9 months, Central National Bank ranks among the best banks in Kansas for CDs and deposit accounts.
Best For
Low Monthly Fees
Mobile App
Low Minimum Deposits
Loan Options
Credit Cards
High APYs for CD Accounts
Central National Bank stands out for its legacy of service across Kansas — in business since 1884. In addition to a variety of checking and savings products, the bank offers high-yield CDs and access to LifeNOW Rewards, a suite of products that include a health savings card, identity theft protection and pet insurance.
Total Branch Locations
22
Mobile App Rating
4.7 on both the Apple App Store and Google Play
Other Products Offered
CDs, savings, checking, mortgages, auto loans, credit cards
Pros
- High CD Yields
- Bounce protection on checking
- Second-chance bank accounts
- Round-up savings feature
Cons
- Checking accounts carry fees
- Only 22 branches across two states
- No branches outside Kansas and Nebraska
Why We Like Central National Bank
In addition to high-yield CD accounts, Central National Bank offers fee-free access to 40,000 ATMs through the MoneyPass network. The bank’s personal checking accounts provide access to the LifeNOW Rewards app, which can help customers save money on everything from prescription drugs and pet care to utilities through a variety of services.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of July 30, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in Kansas
Regional banks can be a good option for Kansas residents who like visiting physical branches but don’t want the impersonal feel that large, national banks sometimes have.
Generally, you can find a wide array of available products at a regional bank. The best banks in Kansas offer access to national ATM networks, low- or no-fee checking and highly rated mobile apps. They also have a solid commitment to customer service and serving their local communities.
Here are some of the most important factors to consider when comparing and choosing a regional bank in Kansas.
- Location: Regional banks serve specific areas, so make sure any bank you’re interested in has a branch near your home or workplace — whether that’s in Wichita, Topeka or a smaller Kansas town.
- Availability: Check the operating hours, including holidays, of your regional bank. Some Kansas banks may not have the availability of a national or online bank.
- Bank health: Some Kansas credit unions and banks choose to stay small and community-focused, while others may be held back by limited growth. Take a look at the bank’s financials to make sure it’s stable enough to support your long-term goals.
- Rewards and promotions: Kansas banks often offer rewards and promotions to attract new customers. Compare bonus offers to see how they stack up.
- Account offerings: Some regional banks in Kansas may have a narrower product lineup. Make sure the one you choose offers the checking, savings, CDs and loan products you’ll need.
Conclusion
Whether you’re looking for wealth management services, multiple branches across the Midwest or high-yield CDs, you can find the right bank in Kansas. Consider the options above and begin your online application or drop by a branch near you.
FAQs About Banking in Kansas
Here’s more information to help you find the best Kansas bank for your needs.- What is the best bank for high-yield savings in Kansas?
- To find a high-yield savings account in Kansas, you'll need to look toward online banks that serve Kansas and other states. Central National Bank offers high-yield CD accounts with competitive APYs.
- Which banks have the most ATMs in Kansas?
- Regional banks like Emprise and INTRUST use the Allpoint ATM network, which has over 55,000 locations nationwide, making these banks your best options in Kansas for the most ATMs.
- Are there any banks in Kansas with no monthly fees?
- Many banks in Kansas, including the top-rated INTRUST and Commerce Bank, offer free checking options.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Dawn Allcot contributed to the reporting for this article.
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