KNBT provides a comprehensive range of high-quality products and services to meet all your financial needs.

• Visa CheckCard with VisaExtras
• Online Banking and Online Bill Payment
• Phone Banking
• Direct Deposit
• Automatic Transfer

Visa® CheckCard
The Visa CheckCard works just like an ATM card and a personal check ... only better! The card is FREE for all personal checking account customers*.

Convenient ATM access — Use your card for all ATM transactions including: cash withdrawals, deposits (where available), balance inquiries and funds transfer between pre-authorized accounts.

Shopping convenience — Your Visa CheckCard can be used world-wide wherever Visa debit cards are accepted. Shop at your favorite stores and restaurants, online, or over the phone. Your purchase will be automatically deducted from your checking account and will show on your monthly statement.

Visa Extras — You can earn points for free gifts simply by saying "credit" when making a purchase with your Visa CheckCard. There is no cost to sign up. Simply go to www.visaextras.com, or call 1.800.960.8472 to enroll. Then watch your points add up!

Extra protection with Verified by Visa — Protect your check card from fraud when shopping online. Your card is equipped with Verified by Visa which password protects your card for no fee. To register, visit www.VerifiedByVisa.com or activate while shopping online at participating merchants.

OnLine Banking
Enjoy 24-hour access to your accounts with online banking, our FREE internet banking service. Managing your accounts is convenient and easy from the comfort and privacy of your home or office. All you need is a personal computer and a secure Internet connection. Start simplifying your life today!

Check your account balances — Enjoy easy access to your KNBT account information.

Review your recent transactions — See a detailed history of all your banking transactions, including check card and ATM activity.

Receive electronic statements — You can choose to receive your monthly checking or money market statement(s) electronically, in lieu of receiving paper statements in the mail.

View check images — You can easily view and print electronic images of your cancelled checks with our online check imaging service.

Transfer funds between your KNBT accounts — Save time by making secure account transfers with just a touch of a button.

Set up email notifications — Set up email notifications to inform you when your KNBT checking account is less than or greater than a specific dollar amount or when a specific check number has cleared.

Set up and track budgets — You can download your account data into financial software packages such as Quicken® and Microsoft® Money. We also support automatic imports of your transactions.

OnLine Bill Payment
You'll save time, checks, and stamps with online bill pay, our FREE Internet bill payment service.

Make payments to any business or person — Create your own personal list of payees and pay as many bills as you like online at your convenience, 24 hours a day.

Make recurring, fixed amount monthly payments — Pay regularly occurring bills, such as your car loan, rent or mortgage automatically.

Make regular, monthly payments of varying amounts — Pay bills, such as credit cards or phone bills, at your convenience, or schedule payments in advance.

Make one-time or occasional payments — Pay bills to your dentist or mechanic whenever you choose. You can even schedule payments to be made while you're away on vacation or business.

Save time and stamps — With online bill pay, you won't have to deal with the hassles of writing checks and mailing your bills.

To access online bill pay, you must have a KNBT checking account in good standing and be enrolled to use KNBT's online banking service.

Phone Banking
Managing your accounts is quick and easy with FREE phone banking, our 24-hour bank-by-phone service.

—Check your account balances and recent transactions
—Verify if a check has cleared
—Transfer funds between your pre-authorized accounts

Once you are enrolled, you can access your accounts by calling
1.866.483.3945 (toll-free)
Quick Reference Guide

Direct Deposit
Save time and extra trips to the bank with direct deposit. It's a safe, convenient and reliable way to automatically receive your payroll, pension or Social Security payments. Your funds are deposited diretly into your KNBT account. And you won't have to worry about checks being stolen or lost in the mail.

Automatic Transfer
Our automatic transfer service is a convenient way to make regularly scheduled loan payments or to transfer funds to another KNBT account. It's also a convenient way to receive your CD interest earnings.