Personal Electronic Banking

Access your Accounts Anywhere.
Personal Electronic Banking

Access your Accounts Anywhere.

Access your accounts anywhere. Pay with your debit card. Use your mobile wallet. Transfer funds when it’s convenient. Protect your financial information.

Personal Electronic Banking

Online Banking

Kirkwood Bank & Trust is striving to make banking as easy and convenient as possible for you. Online Banking allows you to access your accounts at your convenience from anywhere, 24 hours a day, 7 days a week. Online Banking offers basic features such as transferring funds and checking balances, as well as more advanced features which include viewing your check images on the spot, up-to-date deposit and payment information, as well as viewing loan information and making loan payments.

Additional features available in KB&T Online Banking include:

  • Bill Pay
  • eStatements
  • Account to Account Transfers
  • SecureAlerts

Enroll now for Personal Online Banking.

Personal Electronic Banking

Mobile Banking

Stay connected and manage your accounts from anywhere. KBT Mobile App allows you to:

  • Check account balances
  • Review your transactions
  • Transfer between your KB&T accounts and to external accounts
  • View loan information and make loan payments
  • Pay bills
  • Find ATMs and Kirkwood Bank & Trust locations
  • Mobile Deposit
  • Control your debit card
  • SecureAlerts
  • Mobile Banking FAQs
Personal Electronic Banking

Mobile Deposit

Mobile deposit allows you to deposit your checks anytime on any day using our secure KBT Mobile App.

  • Endorsement must include “KBT Mobile Deposit” and your signature
  • Per item and total daily limits apply
  • Securely store your check of 14 calendar days after deposit
  • View your 30-day mobile deposit history
  • Mobile Deposit FAQs
Personal Electronic Banking

Mobile Wallet

Add your Kirkwood Bank & Trust Debit Card to your mobile wallet.  A mobile wallet is a virtual wallet that stores payment card information on a mobile device.  Use your phone or smartwatch to enjoy all the same benefits of using your debit card. 

Available on Apple Pay®, Samsung Pay®, Google Pay™, Fitbit Pay™, and Garmin Pay™.

Tips for easy setup:

Personal Electronic Banking


The card management and spend insights features in our KBT Mobile App give your greater control over your day-to-day finances.  “Cards” allows you to:

  • Turn your debit card on/off instantly
  • Enable alerts for transactions
  • Quickly add your cards to your digital wallet
  • Manage travel plans to allow transactions in domestic and international destinations
  • View spending insights
  • “Cards” FAQs
Personal Electronic Banking


An eStatement is an electronic version of your statement available via KB&T’s online banking. This statement is exactly like your paper statement. An email notification is sent when your eStatement is available to view.

It’s easy, get started!

  • Log in to Online Banking
  • Click on the Profile Tab
  • Click the Edit button next to ELECTRONIC STATEMENTS
  • Follow the instructions to enroll

Looking for Business Accounts? No problem, go here!

Personal Electronic Banking


Zelle® is a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Learn More

Personal Electronic Banking

Text Banking

Text Banking allows you to check balances and view your transaction history. To sign up for Text Banking:

  • Log in to Online Banking and select Profile
  • Under Mobile Banking Profile, select Manage Devices
  • Select Add New Device
  • Enter your mobile phone number. You will receive a text message from the short code 99588.
  • Confirm, and you are ready to go!
Frequently Asked Questions


Personal Online Banking
Mobile Banking
Mobile Deposit
Debit Card
Bill Pay
Debit Card Management Tools - "Cards"