Compliment your Kern Schools Membership with a checking account. Kern Schools offers two types of checking products: Makes Cents Checking, and Kappa Checking for children ages eleven through seventeen.
Enjoy great savings and protection. Now that Makes Cents!
Waived Monthly Service Fee if conditions are met*.
Everywhere Cash Savings: Saving at your favorite retailers has never been easier! Earn cash back for online purchases or print coupons to use in-store. www.everywheresavings.com
Everyday Rebate Rewards: Get rewarded by purchasing items you use everyday! Send in your receipts, up to $100.00 every quarter, and earn 10% cash back. Enjoy up to $40.00 in annual rebates.
Purchase Protection and Extended Warranty: Reimbursements are offered for any item lost, stolen, or damaged within the first 90 days after purchase. Plus, manufacturer’s warranties are extended up to one full year under the same terms as the original!
Emergency Roadside Assistance: Receive coverage for up to three events per year, $80.00 per occurrence! Tows, lockouts, flat tires, dead batteries, and other services included.
Visa® Check Card. Free
Online Access and eStatements. Overdraft Protection Available.
Ready Cash Line of Credit. Regular Share/Savings Transfer: Incoming debit transactions (paper checks, electronic items, and automatic debit card transactions) can still be paid when funds are not available via an automatic transfer from your Regular Share/Savings Account.
Courtesy Pay: Kern Schools offers a discretionary overdraft protection service called Courtesy Pay, with limits up to $1,000, to cover transactions when funds are not available in an account.
A $30 Courtesy Pay Fee is assessed for each transaction that utilizes Courtesy Pay.
Paper checks, electronic items, as well as debit card and ATM transactions can all be covered with Courtesy Pay.
Before debit card and ATM transactions will be covered by Courtesy Pay, a member must Opt-In to coverage for those transactions.
Accessible through an ATM, Visa® Check Card, DataNet Online Banking, DataVoice, DataMobile, the Communications Center, or by visiting a branch.
Makes Cents Checking Account Rates:
Minimum Opening Balance
Minimum To Earn Dividend
Variable Dividend Rate
Annual Percentage Yield
(APY) Monthly Service Fee
Makes Cents Checking Account
$5 if conditions are not met*
*Members who have a monthly direct deposit, enroll in eStatements, and conduct 12 or more debit card transactions (PIN or signature point of sale transactions, non-ATM transactions), will pay NO SERVICE FEE for their Makes Cents Checking. Members who do not meet the monthly qualifications can take advantage of this checking account for only $5.00 per month.
Our Kappa Account introduces young Members to the world of financial responsibility. Kappa Members ages eleven through seventeen are eligible for a checking account and debit card (parent or guardian co-signature required).
No Monthly Service Fee.
ATM Card (Parent or guardian co-signature required.)
Visa® Check Card (Must be 16 with a parent or guardian’s signature.) Free
Online Access and eStatements. Accessible through an ATM, Visa® Check Card, DataNet Online Banking, DataVoice, DataMobile, the Communications Center, or by visiting a branch.