KB Rewards Accounts

KB High Yield Checking:

*Reward Information: When your KB High Yield Checking qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $20,000.00 in your KB High Yield Checking account earn an interest rate of 4.88%, resulting in an APY of 5.00%; and daily balances over $20,000.00 earn an interest rate of 0.499% on the portion of the daily balance over $20,000.00, resulting in a range from 5.00% to 1.25% APY depending on the account’s daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your KB High Yield Checking account during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements apply only to KB High Yield Checking or KB Cash Back Checking transactions at ATMs; KB High Yield Saver ATM transaction fees are not reimbursed or refunded. When your KB High Yield Checking qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.05%, resulting in an annual percentage yield of 0.05%, and ATM withdrawal fees are not refunded. Interest and nationwide ATM withdrawal fee reimbursements will be credited to your KB High Yield Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs are accurate as of July 1, 2026. APY calculations are based on an assumed daily balance of $120,000.00 in your KB High Yield Checking account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened. Rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Reward amounts of less than $0.01 will not be paid. Fees may reduce earnings.

Additional Information: Account approval and other terms and conditions apply. $25.00 minimum deposit is required to open the account. Limit of one KB High Yield Checking account per Social Security number as primary owner. A customer may be listed as a joint or secondary owner on another customer’s account, subject to account approval. There are no recurring monthly maintenance charges or fees to open or close this account. Other service fees may apply; see Kentland Bank’s fee schedule. Advertised information and rewards are based on all account qualifications being met during each Monthly Qualification Cycle. Contact a Kentland Bank service representative at 800-850-5155 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Member FDIC.

KB Cash Back Checking:

*Reward Information: When your KB Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200.00 in debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $10.00 in cash back payments may be earned per Monthly Qualification Cycle. Eligible debit card purchases may be signature-based or PIN-based purchases made with a Kentland Bank-issued debit card. ATM-processed transactions and debit card transactions processed by merchants and received by Kentland Bank as ATM transactions do not count as eligible debit card purchases. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your KB Cash Back Checking account during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements apply only to KB High Yield Checking or KB Cash Back Checking transactions at ATMs; KB High Yield Saver ATM transaction fees are not reimbursed or refunded. When your KB Cash Back Checking qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cashback payments and nationwide ATM withdrawal fee reimbursements will be credited to your KB Cash Back Checking account on the last day of the current statement cycle. Rewards and bonuses, if any, are variable and may change after the account is opened. No minimum balance is required to earn or receive the account’s rewards. Reward amounts of less than $0.01 will not be paid.

Additional Information: Account approval and other terms and conditions apply. $25.00 minimum deposit is required to open the account. Limit of one KB Cash Back Checking account per Social Security number as primary owner. A customer may be listed as a joint or secondary owner on another customer’s account, subject to account approval. There are no recurring monthly maintenance charges or fees to open or close this account. Other service fees may apply; see Kentland Bank’s fee schedule. Advertised information and rewards are based on all account qualifications being met during each Monthly Qualification Cycle. Contact a Kentland Bank service representative at 800-850-5155 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Member FDIC.

KB High Yield Saver:

KB High Yield Saver — Linked to KB High Yield Checking

*Qualification Information: KB High Yield Saver rewards are based on the linked KB High Yield Checking account meeting its qualifications during the Monthly Qualification Cycle. To earn the qualified KB High Yield Saver APY, the linked KB High Yield Checking account must independently meet all applicable qualifications for that Monthly Qualification Cycle.

Reward Information: When your linked KB High Yield Checking qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000.00 in your KB High Yield Saver account earn an APY of 2.50%. Daily balances over $100,000.00 earn an interest rate of 0.499% on the portion of the daily balance over $100,000.00, resulting in a range from 2.50% to 1.50% APY depending on the account’s daily balance. When your linked KB High Yield Checking qualifications are not met, the entire daily balance in the KB High Yield Saver account earns an interest rate of 0.05%, resulting in an annual percentage yield of 0.05%. Interest will be credited to your KB High Yield Saver account on the last day of the current statement cycle. If automatic savings is established, interest and nationwide ATM withdrawal fee reimbursements earned in the linked KB High Yield Checking account will be transferred to your KB High Yield Saver account the business day after the end of the statement cycle. APY = Annual Percentage Yield. APYs are accurate as of July 1, 2026. APY calculations are based on an assumed daily balance of $200,000.00 in your KB High Yield Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened. Rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Reward amounts of less than $0.01 will not be paid. Fees may reduce earnings.

Additional Information: Account approval and other terms and conditions apply. $25.00 minimum deposit is required to open the KB High Yield Checking account. $25.00 minimum deposit is required to open the KB High Yield Saver account. Limit of one KB High Yield Checking account and one KB High Yield Saver account per Social Security number as primary owner. A customer may be listed as a joint or secondary owner on another customer’s account, subject to account approval. There are no recurring monthly maintenance charges or fees to open or close these accounts. Other service fees may apply; see Kentland Bank’s fee schedule. A KB High Yield Checking account is required to open and maintain a KB High Yield Saver account. A linked KB High Yield Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each Monthly Qualification Cycle. Contact a Kentland Bank service representative at 800-850-5155 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

KB High Yield Saver — Linked to KB Cash Back Checking

Qualification Information: KB High Yield Saver rewards are based on the linked KB Cash Back Checking account meeting its qualifications during the Monthly Qualification Cycle. To earn the qualified KB High Yield Saver APY, the linked KB Cash Back Checking account must independently meet all applicable qualifications for that Monthly Qualification Cycle.

Reward Information: When your linked KB Cash Back Checking qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000.00 in your KB High Yield Saver account earn an APY of 2.50%. Daily balances over $100,000.00 earn an interest rate of 0.499% on the portion of the daily balance over $100,000.00, resulting in a range from 2.50% to 1.50% APY depending on the account’s daily balance. When your linked KB Cash Back Checking qualifications are not met, the linked KB Cash Back Checking account does not earn cash back or ATM fee refunds. In addition, the entire daily balance in the KB High Yield Saver account earns an interest rate of 0.05%, resulting in an annual percentage yield of 0.05%. Interest will be credited to your KB High Yield Saver account on the last day of the current statement cycle. If automatic savings is established, cash back payments and nationwide ATM withdrawal fee reimbursements earned in the linked KB Cash Back Checking account will be credited to your KB High Yield Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs are accurate as of July 1, 2026. APY calculations are based on an assumed daily balance of $200,000.00 in your KB High Yield Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened. Rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Reward amounts of less than $0.01 will not be paid. Fees may reduce earnings.

Additional Information: Account approval and other terms and conditions apply. $25.00 minimum deposit is required to open the KB Cash Back Checking account. $25.00 minimum deposit is required to open the KB High Yield Saver account. Limit of one KB Cash Back Checking account and one KB High Yield Saver account per Social Security number as primary owner. A customer may be listed as a joint or secondary owner on another customer’s account, subject to account approval. There are no recurring monthly maintenance charges or fees to open or close these accounts. Other service fees may apply; see Kentland Bank’s fee schedule. A KB Cash Back Checking account is required to open and maintain a KB High Yield Saver account. A linked KB High Yield Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each Monthly Qualification Cycle. Contact a Kentland Bank service representative at 800-850-5155 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Member FDIC.