Personal Accounts & Services

Personal Accounts

Checking and Savings Accounts
We offer a full array of personal checking and savings accounts designed to fit your specific banking needs. Our accounts offer attractive interest rates, so please call or click for a switch kit today.

Money Market Accounts
Money Market Deposit Accounts afford you the opportunity to earn a higher rate of interest than our Statement Savings Account. Transfers are limited to 6 per statement cycle, of which no more than 3 may be checks. The interest rate earned is determined by the balances maintained.

Certificates of Deposit
Adams Dairy Bank has a variety of rates and terms available to you. Select a term tailored to your investment needs from 3 months to 60 months, click here for more details.

ATM Access
We understand that having convenient access to your accounts around the clock is important to you. With over 525 no charge ATM's located in eight states you can access your money anytime and anywhere.

Lending Services
Adams Dairy Bank offers convenient, affordable personal loans, home equity loans and lines of credit to fit just about any situation and budget. Our broad selection of products and services can help you achieve your financial goals.

Check Imaging
Check Imaging is a process where digital images of each check we process are captured and stored on disk. The images are then sorted, sized, and delivered to you in your monthly statement.

Check Imaging not only provides you with an easy, convenient way to store and organize your canceled checks, but allows us to provide you with faster and less expensive research services should you require copies of past statements or individual checks. You can make your request by calling us directly at 816.655.3333.

Check Imaging, provided with your monthly statement, is a free service provided by Adams Dairy Bank for all of our checking accounts.

Wire Transfers & Other Services
Adams Dairy Bank offers a full line of deposit related services including domestic and foreign wire transfers, direct deposit payroll, telephone transfers, automated clearing house (ACH) transactions, night depository, cashier checks, as well as travelers checks.

Personal Checking Accounts

ADB Club Account

  • $100 Opening Deposit
  • $500 Minimum Balance
  • Interest Earned On Balances Over $500
  • Unlimited Check Writing Privileges
  • Free ATM/Debit Card
  • Free Online Banking
  • Free Online Bill Pay
  • FREE ADB Checks (One Box Per Calendar Year)

Select Account

  • $55 Opening Deposit
  • $55 Minimum Balance
  • Interest Earned On Balances Over $100
  • Unlimited Check Writing Privileges
  • Free ATM/Debit Card
  • Free Online Banking
  • Free Online Bill Payment
  • FREE ADB Checks (One Box Per Calendar Year)

Free Checking

  • $100 Opening Deposit
  • No Minimum Balance Required
  • Unlimited Check Writing Privileges
  • Free ATM/Debit Card
  • Free Online Banking
  • Free Online Bill Pay

Student Checking

Same rules apply to the Student Checking Account that apply to the Free Checking Account, however, the student MUST have a parent or guardian as a joint signer if under the age of 18

Savings & Money Market Accounts

Statement Savings**

  • $100 Opening Deposit
  • $100 Minimum Balance
  • Quarterly Statements
  • $1.00 will be charged for each withdrawal after six (6)
  • Current Interest Rates

Cow Bank Savings**

For Minors 18 And Under

  • $5 Opening Deposit
  • $5 Minimum Balance
  • Quarterly Statements
  • $1.00 will be charged for each withdrawal after six (6)
  • Current Interest Rates

Money Market Account**

  • $5,000 Opening Deposit
  • $5,000 Minimum Balance
  • $5.00 will be charged for each withdrawal after six (6)
  • Tiered Interest Rates

* Subject to Credit Approval
** Six (6) withdrawals from an account each statement cycle. This includes Automated Clearing House, electronic, or transfer withdrawals. Of the six (6) withdrawals, no more than three may be Point of Sale or 3rd party check.

Additional Services

Certificates of Deposit*


  • $500 Minimum Deposit
  • Terms ranging from 3 months to 60 months
  • Tiered interest rates based on opening deposit
  • 10-Day grace period upon maturity
  • Variable Certificates of Deposit offered in 3 year or 5 year terms (single maturity)

Individual Retirement Account Certificates of Deposit*


  • $50 Minimum Deposit
  • Terms ranging from 3 months to 60 months
  • Tiered interest rates based on opening deposit
  • 10-Day grace period upon maturity
  • Current Interest Rates

*Penalty may be imposed for early withdrawal