Contributor, Benzinga
August 17, 2020

Kansas is home to many regional and community banks as well as big, national banks. Benzinga’s compiled a list of banks with the most branches in the Sunflower State. We took a look at each bank’s account offerings, minimum balance and fees and listed the best ones in the state. Read on to learn about our top picks.

Capitol Federal
securely through Capitol Federal's website

Best for Residential Lending: Capitol Federal

Capitol Federal was founded more than 125 years ago and is headquartered in Topeka, Kansas. The bank operates with 44 traditional branches and 10 in-store locations.

Capitol Federal is a leader in residential lending in Kansas and Missouri and boasts more than $9 billion in assets. The bank has an experienced mortgage loan team to help you buy your 1st home, a bigger home or refinance your current home. For unique loan needs, the bank offers special programs such as:

  • Parent-child loan program: For individuals who have a parent or a child that may not be able to qualify for a mortgage loan on their own
  • Home-at-last loan progra: Specially designed to meet the needs of low- to moderate-income homebuyers
  • VA loans: For eligible active military, veterans, reservists or national guard members 

The bank also offers commercial loans, small business loans and business banking services. It offers a variety of retail deposit accounts, including checking, savings, money market, IRA and certificates of deposit, as well as trust services.

Commerce Bank
securely through Commerce Bank's website

Best for Student Banking: Commerce Bank

Commerce Bank operates with 42 branches in 21 different cities and towns in the state of Kansas. The bank also has 121 more offices in 4 states.

Commerce offers special banking options especially designed for students. Some of the banking options include:

  • Commerce free checking: A simple checking account for everyday banking needs by connecting your account to your favorite digital wallet and includes a free debit card
  • myRewards saving: Monthly savings deposits for 11 months in a row to get rewarded by making your 12th month’s deposit up to $50 per account, maximum of $100 
  • Student auto and motorcycle loans: Includes a 0.50% discount; flexible terms and no origination fees
  • Credit cards: Get a manageable credit limit and $0 annual fees. It can be used for overdraft protection.
US Bank – personal banking
securely through US Bank – personal banking's website

Best for Mobile App: U.S. Bank

U.S. Bank is a large bank operating with 36 branches in 13 different cities and towns in the state of Kansas. The bank also has 2,859 more offices in 25 states.

The bank has an easy, hassle-free and secure mobile banking app. Some of the main features of the app include:

  • Transfer between your accounts
  • Deposit checks
  • Manage and pay bills
  • Send, receive and request money

Apart from everyday banking tasks, you can also use the new quick-action menus to locate the nearest branch or ATM, book an appointment with a banker or get in-app help when you need it.

Emprise Bank
securely through Emprise Bank's website

Best for Range of Accounts: Emprise Bank

Emprise Bank operates with 36 branches in 23 different cities and towns in the state of Kansas. The bank has a range of checking accounts for multiple needs. There are 5 types of checking accounts that you can opt for:

  • Kasasa Cash Back: Cash back on purchases and nationwide ATM refunds
  • Kasasa Cash: An account that lets you earn interest
  • Kasasa Tunes: Purchase refunds from the Apple App Store or Amazon each month, just for using your account
  • Incontrol Checking: Simple and convenient checking account
  • Classic Checking: Tiered interest with traditional benefits
Wells Fargo | banking
Best For
  • In-person service and support
securely through Wells Fargo | banking's website

Best Overall: Wells Fargo

Wells Fargo is among the largest banks in the U.S. The bank operates with 8 branches in 7 different cities and towns in the state of Kansas. It also has 5,311 more offices in 36 states. Wells Fargo has several industry-leading checking and savings account options. 

It is the best overall bank because of a combination of good customer service, low fees and high-interest rates. The bank gives you free access to 13,000 ATMs, online banking, mobile app and 24/7 access to customer support. It is also highly secure as it conducts round-the-clock fraud monitoring by using proven technologies and security measures.

Frequently Asked Questions

Q: Will I lose the money in my account if the bank fails?

A:  The Federal Deposit Insurance Corporation (FDIC) insures deposits in banks for up to $250,000 in the event that a bank fails. The accounts that are protected are your checking account, IRAs and Certificate of Deposits. However, they do not insure any investment account like stocks, bonds, etc. 

Q: Can I open a bank account for free?

A: Most bank accounts require a minimum deposit to open an account. However, student accounts and other basic accounts are typically free. 

Choose the Right Bank in Kansas

Choosing a bank is not always easy, and what's best for you may be different than what's best for someone else. Search for a bank with features that matter the most for you. 

An account that reimburses you for other banks’ ATM fees would be best suited if you are more likely to travel frequently. Similarly, if your work involves making tips regularly then you might want a bank that takes cash deposits. 

Take some time to consider your banking needs before you open your next bank account.


To determine the best banks in Kansas, Benzinga analyzed over 100 banks and financial institutions. We gave weight to banks in Kansas with co-op ATMs and cashback options. We also gave greater rankings to banks which offer the following: checking and savings accounts, online banking, personal loans, mortgages, educational resources and a mobile app.

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