Installment Loans
Rates are individually set based on the age of the collateral and the amount borrowed. Financing is readily available. Rate structure allows you to control the costs of your loan and provide payment protection at the same time. Loan approvals can be returned in hours, not days, allowing you to take advantage of a real bargain.

Consumer Loans
Financing is available for the purchase of household items, debt consolidation, summer vacations and much more. Competitive rates will allow you to save money on interest that will make more of your available budget dollars.

Real Estate Loans
Financing is available for purchase or the refinancing of an existing home. Your loan will be designed to assist you in your home purchase by requiring the minimum amount for a down payment. Many loan programs are available to allow you to refinance your existing home and save money by taking advantage of declining loan rates. Our loan rates are adjusted frequently so that you will always have the advantage of competitive rates. We are one of the largest Real Estate Lenders in the area.

Commercial Loans
Commercial loans are made for real estate, furniture and fixtures, equipment or working capital needs, but may be more expansive if required, The bank will provide financial analysis assistance for customers requesting it. Fee costs are tailored for each loan and are regularly analyzed to protect the customer from excess costs.

Agriculture Loans
We make loans on growing crops, on farm stored crops and bonded warehouse receipts. We can finance cattle defined as feed-lot cattle, fat cattle, cow/calf operations and dairy cattle. Diversity of types of loans offered allows you to do all of your agricultural banking at one bank.
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Certificate of Deposits (CD’s)
Let us help you with your investment needs by sending you our current Certificate of Deposit terms and rates. Fixed or Jump Rate Certificate of Deposits available. 
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Individual Retirement Accounts (IRA’s)
Let us send you our current information on these different types of IRA accounts; Traditional IRA’s; Roth IRA’s; and Educational IRA’s. Fixed or Jump Rates available.

  • Traditional IRA’s– The Traditional IRA is an individual retirement account established for the benefit of one person and earned interest is tax deferred until retirement, when base taxes may be less.
  • Roth IRA’s– The Roth IRA is a non-deductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period.
  • Education IRA’s– The Education IRA is a nondeductible account that features tax-free withdrawals for a very specific purpose –a child’s higher education expenses.

Disclosure of Certificates of Deposit and IRA Deposits

Additional Disclosure information on the following: Rate Information; Minimum Balance requirements; Balance Computation Method; Compounding and Crediting; Renewal Policy; Transaction Limitations; Early Withdrawal Penalty; Accrual of Interest on Non-Cash Deposits; and Jump Rate Accounts.
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Competitive Rates
Check our competitive rates on CD’s and IRA accounts. Interest rates change on a daily basis. View our current rate sheet or call First National Bank of Kansas for more information.
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Premium Services

Internet Banking and Online Bill Pay Service
Internet Banking is available 24 hours a day 7 days a week by just signing up and logging on to Bill Payment Service is offered for all your bill payment needs.
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Mobile Banking and Mobile Deposit Service
Mobile Banking is available 24 hours a day 7 days a week by just signing up by downloading the Banking App.  Click on the link below for instructions on “How to Enroll in Mobile Banking from your Mobile Device”. 
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ATM Service
We offer ATM service at all three of our banking locations. You are able to get cash whenever you need it, day or night, at ATM’s offered worldwide. ATM Debit Cards are offered to account holders after 60 days of your account being in good standing.

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Telephone Banking
We offer 24-Hour banking convenience.  Easy transfers between checking and savings accounts.  Banking made easy from any touch tone telephone by calling us at (877) 526-2265 extension 105# any time or place.

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We offer the purchase of Cashier Checks or Personal Money Orders that are accepted in most situations as cash payment and may be used worldwide.
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Wire Transfers
Wire transfers can provide same day availability of cash from bank to bank. With a wire you can move cash quickly and at your convenience.
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Safe Deposit Boxes
Safe deposit boxes are available at Burlington, Osage City and Waverly locations. Boxes come in several sizes, and the contents of the box are covered against loss under the bank’s bonding and insurance coverage.

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Night Depository
We have available for all customers the use of a night depository to make deposits at your convenience 24 hours a day.
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ACH Origination
First National Bank of Kansas has the ability to create electronic deposits and/or debits. It will help businesses meet time deadlines for delivery of information. Saves businesses valuable time not having to write or print checks. Faster access to employees for money deposited from businesses.
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Notary Service, Fax Service, Escrow Account Service, and Other Services
Our Notary Service will allow us to notarize an individual document certifying the identity of the person signing the document. Our Fax Services will allow us to send a hard copy of facsimile to any other fax machine foreign or domestic by telephone at the some speed of a normal telephone call. An Escrow Account will store contracts and documents under the Banks safe keeping. It will collect and record payments as specified by the customer’s contract. Other Services include the purchasing of wallets and billfolds with college imprinted logos. We also have available for customers to purchase tickets for Worlds of Fun and Ocean of Fun in Kansas City Missouri.
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Credit Cards
First National Bank of Kansas has the ability to help provide you with credit card services. Print off the Consumer or Business card application that applies to you. Complete and bring to one of our three banking locations. We will submit the application on your behalf to Bankers Bank of Kansas for final approval (Click here for Consumer Application or Business application)

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