Guide to Free Checking in Kansas City

If you have limited funds that you want to manage through a bank account, chances are you need Kansas City free checking. The search for free checking accounts in Kansas City can be a bit time-consuming; we’ve surveyed the top five local banks and credit unions to put that should be on your personal banking radar.

Remember to read all information and guidelines provided by the bank or credit union prior to signing up for a Kansas City free checking account so you can avoid any hidden fees or balance requirements.

1. National Bank of Kansas City

With National Bank of Kansas City, you can sign-up for the Completely Free Checking account and be on your way toward reaping the benefits of Kansas City free checking. While there is no monthly service charge and no minimum balance, you are required to provide an initial deposit of $50. National Bank of Kansas City also provides free online banking, bill pay and unlimited check writing.

2. United Consumers Credit Union

United Consumers Credit Union lets members enjoy maximum convenience and access to funds without hassle or fees. Through a Classic Checking account, you can take advantage of comprehensive money management tools and personalized customer service. There’s no minimum balance or monthly fees; the credit union does offer overdraft protection and direct deposit options, as well as free online and mobile banking.

3. Bank Midwest

If you’re looking for a simple way to manage your finances while taking advantage of Kansas City free checking, Bank Midwest might have the offer for you. Its Free Checking features include unlimited online bill pay, overdraft services and environmentally friendly electronic statements. Although Bank Midwest customers are required to provide a minimum opening deposit of $100, there are no monthly fees or minimum balance requirements.

4. Community America Credit Union

Community America Credit Union lets you take advantage of several freebies with its Free Checking account offer. There are no minimum balance requirements or monthly service charges; the account offers free online bill pay and mobile banking, as well as a free notary service and a Visa debit card.


With a free Secure Checking Account from USAA, you won’t have to worry about monthly service charges or ATM fees. USAA lets you deposit money anytime, anywhere, and provides personal online budgeting and bill pay tools.

Photo credit: KCMODevin

About the Author

With extensive experience reporting on local financial markets throughout the U.S., Amanda Garcia has had her work appear in numerous national and regional publications such as Business Insider, San Antonio Express-News, Kansas City Business Journal, and Tulsa World. Amanda has also made regular appearances on various local news radio shows discussing topics ranging from local interest rates and financial investments, to mortgages and local financial institutions.