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  Derby - Main Bank
1033 N. Buckner
PO Box 330
Derby, KS 67037
Derby - Rock Road
601 N. Rock Road
PO Box 330
Derby, KS 67037
El Dorado - West Central
225 Village Road
PO Box 950
El Dorado, KS 67042
2330 Ohio
PO Box 200
Augusta, KS 67010

Personal Checking Accounts

What shape is right for you? With a menu of options, Verus Bank allows you to choose the shape of your checking account -- whether it's an account that pays you interest, returns images of your cancelled checks, or both. Take a look, and then give us a call.

  V-Rewards Checking Verus Plus Checking Verus Checking Interest Checking Flight One Checking
(Age 50 to qualify)
Interest Bearing Yes Yes No Yes No
Free Online Banking Yes Yes Yes Yes Yes
Free Bill Pay Yes Yes Yes Yes Yes
ATM Fee Refunds Yes        
Free Debit Card Yes Yes Yes Yes Yes
Unlimited Checks and Withdrawals Yes Yes Yes Yes Yes
24-Hour Banking Free Free Free Free Free
Direct Deposit Optional Required Optional Optional Optional
Electronic Statement Required Optional Optional Optional Optional
Check Image Retention Required Required Required Optional Optional
Check Images Returned No No No Yes Yes
Minimum deposit required to open account $100 $100 $100 $1,000 $100
Minimum balance required to avoid maintenance fee NA NA NA $1,000 daily or $2,500 monthly average $100 minimum daily balance
Monthly maintenance fee if below minimum balance NA NA NA $8 $5
Other benefits

*Qualifications for Reward Rate and ATM Fee Refunds:

1) Have at least 12 debit card transactions post and clear per qualification cycle

2) Have at least 1 automatic payment or direct deposit post and clear per qualification cycle

3) Receive electronic statement

Eligible for an ATM usage fee refund for up to $4.00 if the average balance in your eligible account plus the ledger balance in your other banking relationships total over $5000.00 on the statement cycle date of the eligible account. Free ATM usage (no balance requirement), free cashier's checks and money orders, free club checks, 50% discount on other check styles, free overdraft protection, safe deposit box discount.


The rate on the Verus Plus Checking and Interest Checking accounts is determined at bank discretion and may change daily. We use the daily balance method to calculate interest on the account. The period we use is the statement cycle. The interest will be compounded and credited to the account each statement cycle. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Fees could reduce earnings.

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

V-Rewards Checking Member FDIC. Reward rates of 1.75% Annual Percentage Yield (APY) paid on balances between one penny and $10,000, and 0.10% APY paid on all amounts above $10,000 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning a Base Rate of 0.05% APY, however, it will not receive ATM fee refunds for that time period. Rates as of January 19, 2013. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. However, you must deposit $100 to open this account. Available to personal accounts only. No monthly service charge.

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Verus Bank does not endorse or guarantee the products, information, or recommendations provided by linked Web sites. Verus Bank is not liable for any failure of products or services advertised on these sites. Third party sites may have a privacy policy that is different from that of Verus Bank. Any linked third party Web sites may provide less security than the Verus Bank Web site.