Worry-free Checking

KCT's Worry-free checking account is BankOn certified, which gives members the right tools to manage their money and the opportunity to establish a solid banking relationship. Our goal is for everyone have access to a safe and affordable banking account.

Worry-free Checking offers:

  • No Overdraft Fees
  • No Minimum Balance to Maintain
  • Free Debit Card

Additional Account Details

  • Get a fresh start and build your relationship with KCT
  • Access to KCT Online/Mobile banking
  • Receive direct deposits up to 2 days early*
  • Just $25 to open a checking account**

KCT's Worry-free Checking is a certified Bank On Product. Standard Membership rates and fees may apply and are subject to change at any time. To sign up for KCT's Worry-free Checking, click the button below or call 847.741.3344 or visit a KCT branch for more details.

Apply Now


There is a $1 monthly fee for paper statements. To avoid this charge, learn how to enroll in E-Statements here.

*Early direct deposit is available for KCT members that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions and therefore you may not always see your direct deposits arrive early. We also cannot guarantee that you will receive early direct deposit due to unanticipated circumstances. It may take two cycles for your direct deposits to take effect and eligibility may vary between pay periods.
**Checking account minimum opening deposit of $25 must be completed within 60 days of account opening otherwise membership will be closed. Membership and other qualifications apply.