# Kish > Just another CSI DesignPro3 Sites site This file serves as a clean text roadmap for LLM crawlers to safely discover our core website structure. ## Core Pages - [Home Page](https://www.mykish.com/): Kish Bank—your trusted community bank in Central PA for personal & business banking, loans, mortgages, digital banking, and more. - [Personal](https://www.mykish.com/personal-services/): Kish Bank offers personal banking services with expert, local guidance and innovative tools to help you reach your financial goals. - [Business](https://www.mykish.com/business-professional-services/): Discover Kish Bank’s business banking services—local experts and smart tools to manage your finances and grow your business with confidence. - [Locations](https://www.mykish.com/locations-hours/): Explore Kish Bank's 19 Central Pennsylvania locations, spanning Blair, Centre, Huntingdon, Juniata, and Mifflin counties. - [About](https://www.mykish.com/about-kish/): Get to know Kish Bank. Learn about Kish's history and team, hear from our customers, explore jobs, and see how we engage in our communities. ## Optional - [Digital Services Agreement](https://www.mykish.com/about-kish/digital-services-agreement/): This Online Access Agreement ("Agreement”) governs your use of Kish Bank Online Banking, Kish Bank Transfer Service, and Kish Bank Mobile Banking, together referred to as “the Service” or “Kish Digital Services”. - [Mobile Banking Privacy](https://www.mykish.com/about-kish/mobile-banking-privacy/): Kish Bank is committed to safeguarding your privacy and ensuring the security of your personal information. This disclosure outlines how we collect, use, and disclose your data when you use our banking app available on Google Play and the Apple Store.  By using our app, you consent to the practices described in this policy. - [125 Years](https://www.mykish.com/125-years/): Join us as we celebrate 125 years. We invite you to take a closer look at Kish's journey—helping our region THRIVE for 125 years. - [Personal Banking Rates](https://www.mykish.com/personal-services/personal-banking/rates/): View current rates for some of our most common personal products below. For more information, please contact us or visit your local Kish branch. - [Recognizing Fraudulent Text Messages](https://www.mykish.com/about-kish/security-center/recognizing-fraudulent-text-messages/): With fraudulent text messages impersonating bank alerts on the rise, it is more important than ever for our customers to know how to recognize these scam attempts and what to do—or more importantly, what not to do—to keep your information and money safe. - [Municipal Advantage Account](https://www.mykish.com/business-professional-services/business-banking/savings-cash-management/municipal-advantage-account/): Kish Bank’s Municipal Advantage account combines the competitive interest rate of a short-term investment account with greater access to your funds than alternative investments. - [2025 Survey Sweepstakes Rules](https://www.mykish.com/surveysweepstakes/): OFFICIAL SWEEPSTAKES RULES NO PURCHASE NECESSARY 1) HOW TO ENTER: Respondents are entered into the prize drawing by providing the sweepstakes entry information when participating in this online survey by the expiration date, January 5, 2026. If respondent does not want to participate in the online survey, he/she may enter the sweepstakes by mail. To enter by mail, print name, street address, city, state, ZIP, telephone number, and complete email address if available, on a 3 ½” x 5” piece of paper, insert in an envelope and mail to: Kish Bank, Attn: Marketing Department, 2610 Green Tech Drive, State College, PA 16803. This must be received by the expiration date. Limit one entry per invited household. No responsibility is assumed by Sponsor, and entrants waive all claims for lost, late, illegible or misdirected surveys and mailed entries or for any problems of technical malfunction of any telephone network or lines, computer equipment, software, failure of any email service or any combination thereof including without limitation any damage to entrant’s or any other person’s computer resulting from participation in this promotion. All surveys become the property of the Sponsor. Any attempt to damage the survey site or undermine the legitimate operation of the promotion is a violation of criminal and civil laws. Should such an attempt be made Sponsor reserves right to prosecute violators to the fullest extent allowable by law. - [Trucking & Transportation](https://www.mykish.com/business-professional-services/commercial-insurance/trucking-transportation/): The trucking industry is the lifeblood of our nation—consumers and businesses depend on you to provide them with the goods they need, when they need it. And Kish Insurance realizes that driving a truck is a demanding job with huge responsibilities. Having Trucking & Transportation coverage that's specifically tailored to the needs of truck drivers is a critical part of staying safe while you’re on the road. At Kish Insurance, our Trucking & Transportation specialist will work with you one-on-one to understand your operations and provide coverage geared to your unique needs. - [Sunrise Checking](https://www.mykish.com/personal-services/personal-banking/personal-checking-accounts/sunrise-checking/): An account designed for individuals who are just starting their financial journey or looking for smarter ways to manage their money. Open a Sunrise Checking account today and let Kish’s banking experience put you on the path to financial independence. - [Cyber Insurance for Business Owners](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/cyber-insurance-for-business-owners/): Cyber threats are a real business risk for companies of every size. A single phishing attack, ransomware event, or data breach can disrupt operations, damage customer trust, and create major financial loss. - [The Kish Community Foundation](https://www.mykish.com/about-kish/community-commitment/kish-community-foundation/): This page discusses The Kish Community Foundation. - [2026 Transaction Survey Sweepstakes Rules](https://www.mykish.com/2026-transaction-survey-sweepstakes-rules/): This page discusses 2026 Transaction Survey Sweepstakes Rules. - [2026 Spring Checking Offers](https://www.mykish.com/spring26offer/): This page discusses 2026 Spring Checking Offers. - [LinkLive Test Page](https://www.mykish.com/102328-2/): This page discusses LinkLive Test Page. - [Do I Need a Workers’ Comp Policy?](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/do-i-need-a-workers-comp-policy/): As agents, we are often asked by our commercial insureds if they need to provide workers compensation coverage on their hired help. The answer is not simply “yes or no” and requires the businessowner to assess the criteria that determines whether someone is an employee or not. - [ESIGN Consent](https://www.mykish.com/about-kish/esign-consent/): As part of your relationship with us, we want to ensure you have all the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. We are required by law to give you certain information “in writing,” which means you are entitled to receive it on paper. However, we may instead provide this information to you electronically. - [Kish Has That – Business](https://www.mykish.com/kish-has-that-business/): At Kish Bank, we understand that your business needs financial solutions that work as hard as you do–from local experts who truly care. That’s why more Central PA businesses are making the switch from their bank to Kish. - [Kish Has That – Personal](https://www.mykish.com/kish-has-that-personal/): At Kish Bank, we understand life is full of moments that need flexible financial solutions –delivered with a personal touch! That’s why more people in Central PA are making the switch from their bank to Kish - [Community Banking Redefined](https://www.mykish.com/redefined/): ATM + Live Banker now at Kish! Experience Community Banking in Central PA—real service, real people, no need to step inside the branch. - [Juniata County](https://www.mykish.com/juniata/): Kish Bank is proud to be one of the most trusted and fastest growing community banks in Central PA—helping people and businesses thrive with flexible, convenient financial solutions and local specialists who are always here when you need us. As a locally owned and locally operated institution, the future of Kish community banking—and our commitment to the Juniata County region—is stronger than ever. - [Banking FAQs](https://www.mykish.com/personal-services/personal-banking/banking-faqs/): Find answers to some of our most frequently asked questions about Kish Personal Banking products and services below. Still have questions that aren't answered here? Contact us for more help. - [Don’t Get Swindled by QR Code Scams](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/7170-2/): QR codes have been around since the 1990s, but they’ve been rising in popularity worldwide since 2020. Businesses like them because they’re customizable and give targeted insight into consumer behavior. Customers like them for their convenience and interactivity. Criminals like them because people aren’t paying attention, making it easier to lure victims to fake sites. This is known as “quishing.” The Federal Trade Commission (FTC) has reported a rise in QR code swindles and is warning consumers to stay vigilant when using them. - [Community Reinvestment Act (CRA) Public File](https://www.mykish.com/about-kish/community-commitment/community-reinvestment-act-cra-public-file/): The Community Reinvestment Act (CRA) is intended to encourage depository institutions such as Kish Bank to help meet the credit needs of the communities they serve, consistent with safe and sound banking operations. Kish is pleased to provide the following public file information for public inspection in accordance with the CRA. - [Current Trends in the Insurance Industry](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/current-trends-in-the-insurance-industry/): The insurance industry has entered what is commonly referred to as a “hard market.” Due to an unusual convergence of market trends and disruptive events such as supply chain issues and historic inflation, you will likely see an increase in the cost of your home and auto insurance when it comes time to renew your policies. Please review the information shared below, which explains the changing rate environment and questions you may have. - [Kish for the Cure](https://www.mykish.com/kish-for-the-cure/): Kish is proud to join the fight against cancer through Kish for the Cure, an annual fundraising effort led by Kish team members that supports local cancer-related nonprofits the Bob Perks Cancer Assistance Fund, PA Pink Zone, and local chapters of the American Cancer Society. With help from our customers, friends, and local businesses, Kish has raised over $625,000 since 2012! Join the fight with us by making a donation or by bidding in our Online Auction! - [Nine Tips to Ensure a Prompt Homeowner’s Claim Settlement](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/https-www-mykish-com-personal-services-personal-insurance-insurance-knowledge-center-7170-2/): Navigating a homeowners insurance claim can be complex, but following these tips can help streamline the process and ensure you receive the compensation you deserve: - [Mortgage Contact Request](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/mortgage-contact-request/): Looking to buy, build, or refinance a home? Kish has you covered with a large offering of flexible mortgage solutions to fit your unique needs. Our team of local mortgage lenders is here to provide you with expert guidance and support throughout your entire borrowing journey. Get more information about our many mortgage solutions and schedule an appointment with us to discuss your goals and find the best mortgage option for you. - [Business Hub](https://www.mykish.com/business-hub/): The Kish Bank Business Hub is your one-stop gateway to essential third-party service portals that help you manage your business with ease. - [Why You Need Flood Insurance in Pennsylvania](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/7194-2/): This page discusses Why You Need Flood Insurance in Pennsylvania. - [Client Stories](https://www.mykish.com/business-professional-services/benefits-consulting/client-stories/): Supporting our clients with personal service throughout every step of their benefits journey is the foundation of our business. Whether you have 20 employees or 2,000 employees, our team members are passionate about serving as trusted advisors to each and every one of them. Hear from some of our satisfied clients on their experience having Kish Benefits Consulting as a trusted partner. - [Tips to a Smooth and Successful Auto Claim Experience](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/7190-2/): Ten tips to help you have a smooth and successful auto claim experience. - [Insuring Your E-Bike: What You Need to Know](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/insuring-your-e-bike-what-you-need-to-know-2/): While owning and riding e-bikes on PA roads is legal for anyone over the age of 16, insuring e-bikes can come with unique challenges and factors to consider in comparison to insuring traditional bicycles. If you own or plan to own an e-bike, it’s important to be aware that most homeowners insurance policies do not provide the key coverage needed to properly insure an e-bike. - [My Credit Manager](https://www.mykish.com/personal-services/personal-banking/digital-tools/my-credit-manager/): My Credit Manager allows you to have a complete picture of your credit data, ongoing credit monitoring, and access to the latest in credit-related consumer advice tools—all within your Kish Digital Banking experience! - [Make Your First Home Insurance Policy Affordable](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/make-your-first-home-insurance-policy-affordable/): Are you looking for your first home to buy? This exciting time can often be a whirlwind for first-time homebuyers. What many soon-to-be homeowners forget is that the new property will be vulnerable to damage and harm. No longer can you call the landlord to make repairs! A new home means responsibility—but luckily, Homeowners Insurance can help you safeguard your investment. To keep your coverage high and rates low, check out these tips. - [Purchasing Auto Insurance: What to Consider](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/purchasing-auto-insurance-what-to-consider/): Are you in the market for a new Auto Insurance policy? Instead of auto-renewing your current plan or simply selecting the cheapest option you can find, it’s wise to consider what you want out of coverage. Car insurance is mandatory, but tailoring the policy to your needs is up to you. Be sure to keep these three things in mind when shopping for car insurance. - [Buying the Right Motorcycle Insurance](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/buying-the-right-motorcycle-insurance/): Before you set off on the open road on your motorcycle, you need to make sure that you have the right Motorcycle Insurance. Here are a few tips on how to find the right policy for your needs. - [What You Need to Know About Flood Insurance](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/what-you-need-to-know-about-flood-insurance/): As a homeowner or renter, you don’t have to live near a body of water to be exposed to the dangers of flooding. Heavy rain, a sudden thunderstorm, or melting snow from mountains even hundreds of miles away can cause rising water and flooding in unexpected places. Because there is no area safe from flooding, it is important to secure Flood Insurance. Here is everything you need to know about flood coverage. - [The Basics of Dwelling Fire Coverage](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/the-basics-of-dwelling-fire-coverage/): Knowing the difference between Dwelling Fire Insurance and regular Homeowners Insurance is important if you own multiple properties. It’s easy to confuse the two types of policies due to their similarities, but the differences are significant. - [Don’t Skip Umbrella Insurance if You Have These Home Features](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/dont-skip-umbrella-insurance-if-you-have-these-home-features/): As a homeowner, you likely have reliable Home Insurance. You know it protects your home, belongings, and covers you for liability, too. However, not all homes and their features are created equal when it comes to coverage. An Umbrella Insurance policy is designed to provide more liability insurance once you have exhausted your current Home Insurance liability limit. In this litigious society, it is well worth having additional liability protection with an Umbrella policy, especially if you have any of the following items. - [Protecting Your Business from Employee-Related Claims](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/protecting-your-business-from-employee-related-claims/): A Workers’ Compensation Insurance policy pays essential benefits to employees who become or sick while performing their work-related duties. It covers their medical treatment and ongoing care, and compensates them for a portion of their lost wages. The policy may also pay death benefits to the employee’s family if the injury or illness leads to their eventual death. Read on to learn more about the ins and outs of Worker's Compensation. - [Top Types of Insurance for Small Businesses](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/top-types-of-insurance-for-small-businesses/): When you run your own business, you’re exposed to many more risks than you are when working for someone else. You have more responsibilities, more vulnerability, and more assets to protect. This is exactly why you need Commercial Insurance. There are many forms of insurance that a business may have. Some are essential, while others range from extremely important to just nice to have. To help you determine what coverages you need, consider some of the main types of Commercial Insurance below. - [Client Solutions Center](https://www.mykish.com/about-kish/client-solutions-center/): The Client Solutions Center is an expert team of bankers, fully trained to support Kish's banking products and digital tools. Call 1-800-981-5474 for help! - [Green Checking](https://www.mykish.com/personal-services/personal-banking/personal-checking-accounts/green-checking/): A high-yield interest-bearing account that rewards you for being “green” by adopting eStatements and using your debit card instead of paper checks. - [Ways to Cover Closing Costs](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/ways-to-cover-closing-costs/): Most people have heard the term “closing costs” before, but not everyone has a good understanding of what they are, who pays for them, how much they can cost, and most importantly how you can lower how much you’ll pay. Let’s take a closer look to help you gain a better understanding of closing costs. - [Get Preapproved for a Mortgage](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/get-preapproved-for-a-mortgage/): Whether you’re buying an existing home or building new construction, it’s important to know how much home you can afford. Getting preapproved for a mortgage loan is one of the first steps to finding out. By getting preapproved, your processing time is reduced significantly—allowing for a smoother, more efficient homebuying experience that will get you into your dream home faster. - [Utilize Our Mortgage Calculators](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/utilize-our-mortgage-calculators/): Congrats—you’ve made the decision to buy a home! It’s always exciting to hop online and begin the search for your dream home, but it’s important to first determine if purchasing a home is definitely the right decision for you at this point in time, and how much you can afford if so. Kish's Mortgage Calculators can serve as a helpful first step in exploring your options and budgeting as you start on your path to homeownership. Use our calculators below, then connect with a Kish lending specialist to continue the conversation and get your questions answered. - [Get Cash for a Big Expense](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/get-cash-for-a-big-expense/): This page discusses Get Cash for a Big Expense. - [Pay Off or Consolidate Debt](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/pay-off-or-consolidate-debt/): With the increasing cost of daily household necessities such as groceries and gas, coupled with rising housing and medical costs, more and more U.S. consumers are finding themselves in debt. In fact, industry experts shared that in 2021, the average U.S. household had approximately $150,000 of debt. This includes everything from student debt to mortgage debt, personal loan debt, and credit card debt. And the amount of debit varied based on factors such as age, education, income, and family type. Getting yourself on the path to a brighter financial future often involves paying down or consolidating the amount of debt you have. For some, it can seem like an impossible task to accomplish—but it is possible! - [Pay Your Mortgage Off Earlier](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/pay-your-mortgage-off-earlier/): Want to pay off your mortgage early? There can be advantages to it. But it’s important to weigh both the pros and cons to determine if it makes sense for you based on your current financial situation and future goals. Let’s look at some of the top benefits to paying off your mortgage early. Most obviously, it eliminates your monthly payment sooner rather than later. This frees up your money and allows you to put it toward other goals, like retirement. It can also save you thousands of dollars in interest, and it allows you to use the equity in your home should you ever need money down the road. Finally, you’ll also have peace of mind in fully owning your home. - [Lower Your Monthly Payment](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/lower-your-monthly-payment/): For many people, their mortgage payment is the biggest piece of their monthly budget. And when other expenses increase (like gas, groceries, or medical bills) or emergencies pop up (like unexpected home or auto repairs), homeowners can quickly find themselves struggling to pay their mortgage bill. To make ends meet, some people may work more hours or pick up a second job. They might cut back on the amount they’re saving for retirement—or stop saving altogether. Increasing the amount of expenses paid with a credit card can also become a common occurrence, but using credit cards can easily lead to more debt and more troubles. So what's the right answer? - [Financing Options for Your Business](https://www.mykish.com/business-professional-services/business-loans-credit/financing-options-for-business/): If you’re looking for additional financing for your business, there are many options to consider. That’s why it’s always a good idea to speak with a Kish commercial lending specialist, who can learn your business goals, provide you with a solid understanding of what’s available, and help you determine which solutions are best for your needs. Below are just a few financing options that a business can take advantage of. Connect with us today to start the conversation and hear about even more available options. - [Working Capital & How to Get It](https://www.mykish.com/business-professional-services/business-loans-credit/business-loans-credit-knowledge-center/working-capital-how-to-get-it/): Every business needs adequate working capital to keep their operations running smoothly. It’s the money that’s used to finance your short-term obligations—such as paying suppliers, paying employee salaries, purchasing product inventory, or covering other day-to-day expenses. Without the right amount of working capital, a business can find itself with a cash flow shortage. This can lead to a number of challenges, ranging anywhere from being unable to pay your suppliers to being forced to cut back on your workforce. On the flip side, having too much working capital is not ideal either. There are better options available than having your cash sit idle.  Read on for guidance on how to properly manage your working capital, and how Kish can help. - [Social Media Terms of Use](https://www.mykish.com/about-kish/social-media-terms-of-use/): Kish Bancorp, Inc. is a diversified financial services corporation whose subsidiaries and business units include Kish Bank, Kish Insurance, Kish Financial Solutions, Kish Benefits Consulting, and Kish Travel—referred to collectively as “Kish.” Your use of Kish social media channels is subject to these Terms of Use and the terms of use of any social media channel or service through which you access Kish social media. - [Insurance](https://www.mykish.com/insurance/): When you choose Kish for your Personal or Commercial Insurance, you get more than just insurance coverage for your family or business. You gain a trusted partnership with knowledgeable, local agents who listen first to understand your needs, then recommend the best insurance solutions for your most valuable assets. Because Kish Insurance is an independent agency, we’re not tired to one carrier. That means we can shop around and compare coverage options to get you the best insurance packages at an affordable price. Connect with one of our agents today to get started. - [Business Banking Knowledge Center](https://www.mykish.com/business-professional-services/business-banking/business-banking-knowledge-center/): Want to learn more about Business Banking with Kish? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Commercial Insurance Knowledge Center](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/): Want to learn more about Commercial Insurance? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Business Loans & Credit Knowledge Center](https://www.mykish.com/business-professional-services/business-loans-credit/business-loans-credit-knowledge-center/): Want to learn more about Business Loans & Credit with Kish? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Choosing the Right Trucking Insurance](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/choosing-the-right-trucking-insurance/): The trucking industry is one of the most specialized and important industries in the nation. As a demanding job with a lot of responsibilities, having the right insurance policy is the best way to ensure that you and your truck stay safe while on the road. There are many different Trucking Insurance coverage options that are available—and choosing the right options for your policy will provide the most comprehensive coverage. - [Should I Refinance My Mortgage?](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/should-i-refinance-my-mortgage/): Your mortgage is typically one of the biggest investments you’ll make throughout the course of your life. And sometimes it makes sense to refinance a mortgage—which means you pay off your existing mortgage and replace it with a new one. - [Should I Rent or Buy a Home?](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/should-i-rent-or-buy-a-home/): Should you rent or buy a home? It’s a question many people will ask at some point in their life. And the answer depends on several factors—renting might be the best choice for one person, while owning a home could make more sense for someone else. There are pros and cons to each side, depending on where you're at in life. - [How Much House Can I Afford?](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/how-much-house-can-i-afford/): When you make the decision to buy a home, it’s fun to dream big—but it’s also important to be realistic about what you can afford. Having some baseline numbers to guide you as you begin your home search can help you stay within your budget and make the homebuying experience much less stressful. Mortgage lenders don't just look at your income, assets, and the down payment you have. There are other factors that determine how much you can afford, including liabilities and obligations such as auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. - [Mortgage Calculator](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/mortgage-calculator/): Calculating your mortgage is a critical first step when determining your budget. The loan amount, interest rate, and term of the mortgage will affect the total amount you’ll eventually pay for the property. Additionally, your mortgage payment will typically include monthly allocations of property taxes, hazard insurance, and Private Mortgage Insurance (if applicable). Use our Mortgage Calculator to estimate your payment and see the impact of different variables along with an amortization schedule. Then connect with a Kish mortgage specialist who can get you started on the path to pre-approval. - [Mortgage Glossary](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/mortgage-glossary/): This page discusses Mortgage Glossary. - [Private Mortgage Insurance](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/private-mortgage-insurance/): With Private Mortgage Insurance (PMI) through Kish Bank, the path to owning a home—even without the cash for a traditional down payment—can become a reality. PMI is typically required when someone has a conventional loan and makes a down payment that is less than 20% of the purchase price of the home. PMI protects the lender against loss, not the borrower. PMI pricing is based on your total loan amount and your mortgage interest rate. The cost is rolled into your mortgage along with taxes and insurance. - [Land & Lot Loans](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/land-lot-loans/): Looking to secure the perfect piece of property where you can one day build your dream home or have a future investment? Kish can help finance your land purchase now, so you can take the next step whenever the time is right for you. A Land Loan—also called a Lot Loan—is different than a Construction Loan. It can be a smart borrowing option if you’ve found the ideal lot or acreage for a primary or secondary residence or future investment property, but aren’t quite ready to begin building. - [Home Purchase Assistance](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/home-purchase-assistance/): There are a number of programs that can help make homebuying possible for qualifying individuals, and Kish can help you explore your possibilities. - [Cash-Out Refinance](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/cash-out-refinance/): With the right qualifications, a Cash-Out Refinance with Kish might be a smart lending option if you’re looking to pay off high-interest debt, make renovations around your home, or pay down student loans. How does it work? A Cash-Out Refinance uses the equity in your home to give you a new and larger mortgage. The difference between your new loan amount and what you owe on your old mortgage is given to you in lump sum cash at closing. - [Rate & Term Refinance](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/rate-term-refinance/): A Rate & Term Refinance from Kish lets you switch the rate and terms of your current mortgage with terms that are more favorable—allowing you to achieve financial goals like lowering interest charges, reducing your monthly payment, or increasing/decreasing the time of your loan payoff. A Rate & Term Refinance is often desirable when current mortgage rates are lower than when you secured your initial loan. Taking advantage of a lower rate can save thousands of dollars over the loan period. - [Recreational Properties & Camps](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/recreational-properties-camps/): More people than ever are taking to the outdoors to rest, recharge, and get away from the daily grind. And many are making the decision to purchase land for recreational purposes like hunting, fishing, camping, or relaxing cabin life. If you’re thinking about purchasing recreational land, Kish can help you with financing a new piece of property. Connect with one of our local lending specialists today. We can discuss your plans, look at your borrowing options, and structure a package that makes your dream of land ownership a reality. - [Custom Mortgage Programs](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/custom-mortgage-programs/): If you’ve considered all your mortgage options and can’t quite find one that fits your situation, you might need a custom mortgage solution from Kish. With flexible financial resources and decades of mortgage expertise, our team is equipped to offer custom-tailored mortgage financing for qualified borrowers. Connect with a local Kish lending specialist today and see what’s possible. We’ll talk, get a complete understanding of your unique needs, then put together a custom program that works just for you. - [Medical Professional Mortgages](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/medical-professional-mortgages/): A Medical Professional Mortgage from Kish is designed to help those who work hard every day helping others in our communities. This may include doctors, nurses, dentists, and other professions in the medical industry, with designations such as MD, DO, DM, DDS, DMD, PA, CRNA, CRNP, or DPT. A Medical Professional Mortgage can assist those looking to buy their first or next home, or who need refinancing on their current home. Because of the unique financial circumstances these professionals often face, they can enjoy greater flexibility and special benefits through this program. - [Construction Loans](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/construction-loans/): With one application and one loan closing, you can establish a Kish Construction Loan that easily converts to permanent home financing. An interest rate can be guaranteed at the time of the application, with Fixed Rate and Adjustable Rate options available. Borrowers can also use a Construction Loan to purchase land and finance the cost of construction—all in one convenient loan. If the land is already owned, the land equity can be used to finance construction and closing costs. And Kish can support the entire loan process, working closely with your builder and appraiser and developing a draw schedule. - [Adjustable Rate Mortgages](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/adjustable-rate-mortgages/): An Adjustable Rate Mortgage (ARM) from Kish can be a great option for some customers. Unlike a Fixed Rate Mortgage that has an interest rate that remains the same for the life of the loan, an ARM interest rate will change periodically. The initial interest rate of an ARM is often lower than that of a Fixed Rate Mortgage—making an ARM a good option to consider if you plan to own your home for just a few years, you expect an increase in future earnings, or if the prevailing rate for a Fixed Rate Mortgage is high. - [Personal Line of Credit](https://www.mykish.com/personal-services/personal-loans-credit/lines-of-credit/personal-line-of-credit/): With a Personal Line of Credit from Kish, you get convenient access to your available credit whenever you need it. Use your line of credit for a variety of expenses or big purchases like home remodeling, education, a wedding, or a vacation. A Personal Line of Credit can serve as a flexible lending option. You get a revolving line of credit with a credit line limit, and competitive variable interest rates. And you only pay interest on the amount of credit used. - [Refinance Loan](https://www.mykish.com/personal-services/personal-loans-credit/student-loans/refinance-loan/): A Refinance Loan through PHEAA's PA Forward Student Loan Program is a loan designed specifically for borrowers in repayment to manage their student debt. Get payment estimates, too! This loan is meant for any Pennsylvania resident or any resident of an approved state (DE, MD, NJ, NY, OH, VA, and WV) who is the borrower for a student loan. - [Parent Loan](https://www.mykish.com/personal-services/personal-loans-credit/student-loans/parent-loan/): A Parent Loan through PHEAA's PA Forward Student Loan Program is a loan designed specifically for parents or guardians of dependent undergraduate students enrolled or who plan to be enrolled at least half-time in a degree, certificate, or diploma granting program. This loan is meant for parents or guardians of students who are Pennsylvania residents attending an approved school in or out of state, or students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school. - [Graduate Loan](https://www.mykish.com/personal-services/personal-loans-credit/student-loans/graduate-loan/): A Graduate Loan through PHEAA's PA Forward Student Loan Program is a loan designed specifically for students seeking an advanced degree such as masters, doctoral, law, health profession, or others. This loan is meant for Pennsylvania residents attending an approved school in or out of state, or students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school. - [Banking](https://www.mykish.com/banking/): Kish’s innovative products and services for Personal and Business Banking are unlike any other you’ll find in the Central PA region. Whether you’re looking for an easier way to manage your day-to-day household banking, or you need a new financial partner to take your business to the next level, Kish can help. Whichever way you like to bank, we have the resources you need to make it simple and convenient. Visit any of our locations throughout Centre, Mifflin, Huntingdon, or Juniata County and get friendly, in-person service with one of our banking specialists. Or enjoy a safe and seamless digital experience from the comfort of your home or office, 24/7, using our many digital banking solutions. - [My Kish List](https://www.mykish.com/personal-services/my-kish-list/): Use our appointment scheduler below to set up a time to meet with a Kish specialist, either at any Kish location or by phone. Our local experts can't wait to help you begin or continue your Kish journey! - [Travel Resources & Tools](https://www.mykish.com/personal-services/travel/travel-knowledge-center/travel-resources-tools/): When it comes to traveling, more preparation makes for less stress, a smoother experience, and a more enjoyable time. Use these helpful resources and tips to prepare for your next trip—and be sure to bookmark (look for our "★" suggestions) any sites that might come in handy while you're traveling. - [Before You Go](https://www.mykish.com/personal-services/travel/travel-knowledge-center/before-you-go/): Whether you’re traveling for business or pleasure, being prepared ahead of time is the key to avoiding uncertainties for a smooth and stress-free trip. Be sure to explore or consider the following before you're set to embark on a trip. - [Our History](https://www.mykish.com/about-kish/our-history/): For over a century, solid and enduring values have made Kish Bank a strong financial institution and a vital part of the communities we serve. Formed in 1934 through a merger of Farmers National Bank of Belleville and The Belleville National Bank, both of which can be traced to the early 20th century, Kish Bank has been one of Pennsylvania’s fastest growing community bank franchises. Today, Kish Bank has total assets of over $1.5 billion and 19 locations throughout central Pennsylvania and northeastern Ohio. In addition to retail, commercial, and mortgage banking, Kish Bank’s affiliates offer property and casualty insurance, trust and wealth management advisory services, employee benefits consulting services, and full travel agency services. - [Installment Loan & Line of Credit Application Checklist](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/installment-loan-line-of-credit-application-checklist/): This checklist is intended to be used as a tool to help borrowers assemble information during the loan and line of credit process. The information on this checklist is not required to start an application, but can be provided. Additional documentation may be requested. - [Undergraduate Loan](https://www.mykish.com/personal-services/personal-loans-credit/student-loans/undergraduate-loan/): An Undergraduate Loan through PHEAA's PA Forward Student Loan Program is a loan designed specifically for students seeking an undergraduate degree, certificate or diploma. This loan is meant for Pennsylvania residents attending an approved school in or out of state, or students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school. - [Personal Loan](https://www.mykish.com/personal-services/personal-loans-credit/personal-loans/personal-loan/): With a Personal Loan from Kish, you can choose from flexible terms that fit your budget while enjoying competitive fixed interest rates and fixed monthly payments. Use funds for whatever you need—like consolidating debt, making home repairs, or anything else you might need money for. Our loan application process is quick and easy. Your eligibility and the rates you’re offered are mostly determined by credit score, as well as your income and the amount you wish to borrow. - [Auto Loan](https://www.mykish.com/personal-services/personal-loans-credit/personal-loans/auto-loan/): Looking to make a new or used vehicle purchase? With an Auto Loan from Kish, we’ll put you in the right lane with flexible terms, competitive rates, and an expert team of local lending specialists who can answer any questions you have about vehicle financing. Our loan application process is quick and easy, with different loan options available. Your eligibility and the rates you’re offered are mostly determined by credit score, as well as your income and the type of vehicle you’re looking to finance. - [Home Equity FlexLine of Credit](https://www.mykish.com/personal-services/personal-loans-credit/home-equity-loans/home-equity-flexline-of-credit/): Combine the flexibility of a variable rate line of credit with the dependability of a fixed term loan with a Home Equity FlexLine of Credit from Kish. The Kish FlexLine is an innovative line of credit that gives you the option to convert up to 5 portions of your line into installment loans with fixed terms, fixed rates, and fixed payments. After a one-time approval process, you can use your line to meet periodic financial needs. Your credit line can be accessed at any time by loan checks, transferring the funds in Kish Digital Banking, or at a branch. Funds can be used to pay for just about anything—vehicles, home improvements, college tuition, travel, or debt consolidation. As you repay the loan, funds become available again for your future needs. - [Home Equity Installment Loan](https://www.mykish.com/personal-services/personal-loans-credit/home-equity-loans/home-equity-installment-loan/): If you have equity in your primary or secondary residence and want to borrow money, you may be eligible for a Home Equity Installment Loan, also called a Home Equity Loan. With this loan, funds are available as a single lump sum. And, unlike credit card interest, home equity interest can be tax deductible (consult your tax advisor for details). Whether you’re looking to lower debt, pay for a big one-time expense, or have funds for college tuition, Kish offers flexible loan terms for your needs. And with competitive fixed rates, you get peace of mind knowing the rate on your loan will never change. - [Personal vs. Commercial Auto: What’s the Difference?](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-insurance-knowledge-center/personal-vs-commercial-auto-whats-the-difference/): Buying Auto Insurance can seem complicated, particularly if you drive your own vehicle to or for work and aren't sure about the appropriate type of coverage for your needs. Typically, you’ll have two coverage choices available: Personal or Commercial Auto. In short, unless you own a business and are trying to protect a company car, you’ll need to purchase Personal Auto Insurance. There is a thin line between the two coverages that can confuse consumers. Check out the basics of Commercial vs. Personal Auto coverage. - [News & Media](https://www.mykish.com/about-kish/news-media/): Find out what's happening at Kish, including the latest financial data, community engagement news, team member updates, and more. - [Loans & Credit Knowledge Center](https://www.mykish.com/personal-services/personal-loans-credit/loans-credit-knowledge-center/): Want to learn more about Personal Loans & Credit with Kish? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Personal Banking Knowledge Center](https://www.mykish.com/personal-services/personal-banking/knowledge-center/): Want to learn more about Personal Banking with Kish? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Business TeleBanking & Text Banking](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/business-telebanking-text-banking/): Use Kish's TeleBanking and Text Banking features to do your business banking conveniently and easily from your phone—no app needed! Access your Kish Bank accounts any time of day via telephone. Check account balances and view recent transaction history by texting simple commands from your mobile phone. - [Kish TotalView for Business](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/kish-totalview-for-business/): Take control of the finances of your business with Kish TotalView, our own Personal Financial Management (PFM) tool in Digital Banking. Set budgets, establish financial goals, and monitor both your Kish Bank accounts and accounts from other financial institutions—all in one convenient place and right from the palm of your hand. - [Enhanced Security for Business](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/business-enhanced-security/): With Kish Business Digital Banking, you get greater security for your business, right at your fingertips. With advanced protection features like Multifactor Authentication (MFA), you can quickly and safely manage your cards, set up alerts for your accounts, and more with the click of a button. - [Business eStatements](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/business-estatements/): Reduce clutter and your environmental footprint by receiving your business account statements electronically. They’re fast, convenient, and best of all—free! Kish Digital Banking users can receive eStatements for many of their Kish accounts, including Checking, Savings, and loans. - [Move Money for Business](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/move-money-for-business/): Bill payments, account and loan transfers, and person-to-person (P2P) payments are all a part of the same, seamless experience in Kish Business Digital Banking. - [Analyzed Business Checking](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/analyzed-business-checking/): Analyzed Business Checking from Kish helps you get the most out of your complex banking needs, accruing balance-based earnings credits that can help offset service charges and transactional fees while also helping you streamline your account management as your business grows. - [Merchant Services](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/merchant-services/): The ability to accept credit cards is an integral part of running a business today.  Whether you're new to accepting credit cards or are looking for a more innovative and cost-saving way to process, Kish can help you find a solution that fits your business. And through our unique partnership with our Merchant Services provider, Giv Local, you can even choose to give back while you're at it. - [Deposit Checks for Business](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/deposit-checks/): With the Kish Bank mobile app, depositing checks no longer requires a trip to the branch. Simply use the camera on your mobile phone to deposit checks into your business account anytime, anywhere! Deposit an unlimited number of checks at one time up to $5,000 total per day. - [Collections](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/collections/): Kish Bank a variety of collection services and tools—all digitally designed to help your business conveniently and securely manage cash flow. Automated Clearing House (ACH) Payroll, Remote Deposit Capture (RDC), Merchant Services, and Easy Invoice with Giv Local. - [Payroll & Payment](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/payroll-payment/): Kish’s cash management solutions include a wide range of disbursement services and tools designed with digital convenience and security in mind. Automated Clearing House (ACH) Payroll, Positive Pay, Wire Transfers, Electronic Data Interchange (EDI), Business & Nonprofit Credit Cards, Purchasing Cards. - [Business Digital Banking](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/business-digital-banking/): Access financial tools that let you do more from any device, anywhere, anytime. Kish Digital Banking makes managing your business accounts hassle-free, regardless of the size of your business. As your business grows and your needs expand, our digital banking experience scales up with you. Features and functionality can easily be added within the same, convenient experience. - [Business Digital Tools](https://www.mykish.com/business-professional-services/business-banking/business-digital-tools/): Digital banking tools from Kish let you do more for your business—anytime, from anywhere. Pay bills, make deposits, manage your cards, and much more—it's never been easier to bank through a single, secure experience. As a Kish Business Banking customer, you can access these innovative financial tools on any device, 24 hours a day. It’s simple, smart banking technology. And it’s only from Kish. - [Letters of Credit](https://www.mykish.com/business-professional-services/business-loans-credit/letters-of-credit/): If you need to guarantee a payment to a supplier, then you might find a letter of credit to be a helpful resource for your business. Let Kish Bank be your trusted local expert for letters of credit services. Our team is experienced in all facets of letters of credit – from structuring terms and preparing documents to notifying parties when a letter of credit is processed. - [Business Banking Rates](https://www.mykish.com/business-professional-services/business-banking/business-banking-rates/): View current rates for some of our most common products below. More business banking products, rates, and terms are available upon request. - [Special Credit Services](https://www.mykish.com/business-professional-services/business-loans-credit/special-credit-services/): When ordinary means of borrowing don't fit your unique cash flow needs, Kish has the right solutions available for you. With CashFlow Lease™, you can get competitive equipment lease financing for up to 100% of the cost of the equipment, as well as a reasonable fixed payment during the term of your lease. With Business Manager©, you get easy access to working capital, which can help in taking early payment discounts on bills, meeting payroll obligations, and maintaining liquidity. - [Professional Loans](https://www.mykish.com/business-professional-services/business-loans-credit/professional-loans/): Professionals such as those in the legal or medical field play an important role in any community, especially here in Central PA. If you’re a doctor, lawyer, or business owner looking to borrow funds—whether for a business expansion, to transition to a new practice, for debt consolidation, or to improve cash flow—Kish is here to help you get the funds you need to succeed, with an efficient and stress-free process. - [Agricultural Loans](https://www.mykish.com/business-professional-services/business-loans-credit/agricultural-loans/): Kish has been rooted in Central PA for over 100 years and counting, so we understand the importance of offering Agricultural Loans that are tailored to meet the needs of our local farmers and agribusiness community. Our specially trained agricultural lenders take a consultative approach to working with you—we'll work one-on-one to understand your operation and its needs, then fit you with the right loan products that will support and grow your agricultural business. - [Commercial Real Estate Loans](https://www.mykish.com/business-professional-services/business-loans-credit/commercial-real-estate-loans/): Having a facility that’s conducive to your line of business and exceeds customer expectations is one of the keys to a successful and thriving operation. If you’ve outgrown your current place of business and are looking to renovate or expand, or you have your sights set on purchasing new commercial real estate or real estate construction, a Commercial Real Estate Loan from Kish can provide the funding you need to achieve your growth goals. - [Business Lines of Credit](https://www.mykish.com/business-professional-services/business-loans-credit/business-lines-of-credit/): A Business Line of Credit from Kish gives you instant access to the extra cash you need for your business, when you need it. Our line of credit products are designed for both small business and larger commercial operations, and options range from revolving and commitment lines of credit to lines that can assist with the management of your inventory and accounts receivable. - [Equipment & Term Loans](https://www.mykish.com/business-professional-services/business-loans-credit/equipment-term-loans/): From computer systems and office furniture to commercial vehicles or machines for your production floor, you need the right kind of equipment to run your business efficiently. Whether you’re looking to upgrade an existing facility or purchase new equipment to support your growing operations, an Equipment & Term Loan from Kish offers financing with competitive rates and fair terms. - [Business Loans & Credit](https://www.mykish.com/business-professional-services/business-loans-credit/): At Kish, our team has a personal interest in your business's success. Our Commercial Relationship Managers and Business Bankers are part of our local community, just like you. That’s why we take the time to first learn how your business operates, then determine what it needs to thrive. Because we offer a wide variety of loan and credit products, we can easily tailor custom solutions to fit your unique business needs. With flexible products, innovative digital tools, and locations with real, local experts just around the corner, Kish offers an unmatched loan and credit experience for you and your business. - [Business Purchase Cards](https://www.mykish.com/business-professional-services/business-banking/business-cards/business-purchase-cards/): A Purchase Card from Kish—also commonly called a P-card, payment card, or company/corporate card—can help larger businesses streamline their payment processes and track employee expenses more efficiently. Mostly used for smaller business-to-business or office purchases, a Purchase Card can be a smart alternative to check and ACH transactions. - [Business Credit Cards](https://www.mykish.com/business-professional-services/business-banking/business-cards/business-credit-cards/): Whether you want to pay down balances faster, earn rewards, or build better credit history, Kish has a credit card that's designed for the needs of your business. All Kish Bank credit cards offer contactless technology, Zero Fraud Liability*, and convenient purchasing power anywhere Visa is accepted around the world. - [Business Debit Cards](https://www.mykish.com/business-professional-services/business-banking/business-cards/business-debit-cards/): Do more with your business funds with the contactless technology, advanced security, and other great features of a Kish Business Debit Card. Using the funds from your Business Checking or Savings Account, a Business Debit Card lets you conveniently access your money at ATMs nationwide and easily make purchases anywhere Mastercard® is accepted around the world. - [Business Cards](https://www.mykish.com/business-professional-services/business-banking/business-cards/): Kish offers a wide range of flexible card solutions to fit your business needs, including debit cards, credit cards, and purchase cards. Whether you’re a non-profit or municipality, a small business with two employees, a large company with a sizeable workforce, or anything in between—Kish has a card that’s made for you. Learn more about our available products below. - [Business CDs](https://www.mykish.com/business-professional-services/business-banking/savings-cash-management/business-cds/): Saving for the future of your business is crucial, and a Business Certificate of Deposit (CD) from Kish Bank is a smart and flexible way to save on your terms. You can grow your money with a fixed interest rate, with a variety of fixed term periods starting at 3 months. - [Cash Management](https://www.mykish.com/business-professional-services/business-banking/savings-cash-management/cash-management/): Kish's Cash Management Sweep Account offers our business clients an automated account transfer option—giving you the opportunity to earn a competitive return on your temporarily idle funds. Typically suited for mid to large-sized businesses, this type of account simplifies your cash management decisions while maximizing your investments and minimizing interest paid. - [Business Checking Accounts](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/): Business checking solutions from Kish are simple yet powerful—giving you the ability to do more, without having to work harder. With any Kish account, you can easily manage your funds and payments and bank the way you want, leaving you with more time to focus on your business. - [Business Money Market Account](https://www.mykish.com/business-professional-services/business-banking/savings-cash-management/business-money-market-account/): A Business Money Market Account from Kish is ideal for moderate to long-term savings—letting you plan for both the expected and not-so-expected. Get a higher interest rate to maximize your earnings, with the flexibility to conduct 6 preauthorized withdrawals from any Kish branch every month. - [Business Savings](https://www.mykish.com/business-professional-services/business-banking/savings-cash-management/business-savings/): Looking for a safe and low-risk way to save money for your business? A Business Savings account from Kish is the perfect fit for your needs. This account is the ideal vehicle for short-term savings—it requires low minimum balances and provides easy access to your funds should the need arise. Get money quickly for bill paying, or set money aside for future expenses. - [How Do I Protect My Business Against Fraud?](https://www.mykish.com/business-professional-services/business-banking/business-banking-knowledge-center/how-do-i-protect-my-business-against-fraud/): The new era of digital banking is here—and it’s here to stay. And as digital innovations continue to evolve and improve, so does the level of security they bring. Advanced protection features like Multifactor Authentication (MFA) let you quickly manage your cards, accounts, and other banking tools with the simple click of a button. - [How to Grow Your Money](https://www.mykish.com/business-professional-services/business-banking/business-banking-knowledge-center/how-to-grow-your-money/): Regardless of the size of your business, Kish has cash management solutions available to help you grow your money and invest in your future. Get the flexibility to save money for short-term or long-term needs while earning interest on your funds along the way. Ready to grow your money? Try taking advantage of these popular Investment & Funds Management Services from Kish Bank. - [Ways to Get Paid](https://www.mykish.com/business-professional-services/business-banking/business-banking-knowledge-center/ways-to-get-paid/): Looking for safer, more efficient ways to get paid? Payment collection services make it easier than ever for businesses of all sizes to securely track and manage their cash flow. Below are some of the most popular collection services that are available through Kish. - [Additional Resources](https://www.mykish.com/about-kish/security-center/additional-resources/): Explore the helpful resources below for even more in-depth information on all things security and how to protect yourself. - [Ways to Pay Your Bills](https://www.mykish.com/business-professional-services/business-banking/business-banking-knowledge-center/ways-to-pay-your-bills/): Discover Easy Ways to Pay Your Business Bills Through Disbursement Services Looking for easier and more efficient ways to manage your company finances and pay your bills? Disbursement services are designed to do just that. No matter the size of your business, you can save valuable time and money by taking advantage of some or all the cash management solutions below. - [Savings & Cash Management](https://www.mykish.com/business-professional-services/business-banking/savings-cash-management/): Whether you’re a small or large business, Kish Bank’s Savings & Cash Management solutions are a smart way to invest in your future. Get the flexibility to save money for short-term needs or long-term growth, and earn interest on your funds along the way. - [IOLTA Checking](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/iolta-checking/): Kish Bank offers IOLTA (Interest on Lawyer Trust Accounts) Checking to attorneys and law firms to help manage their clients' escrow accounts. At the end of each month, Kish forwards earned interest from each of the pooled accounts to the PA IOLTA board for use by those who need legal services but are unable to afford them. - [Non-Profit Checking](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/non-profit-checking/): As a community bank, Kish takes a great deal of pride in both serving and helping the communities where we live, work, and play. We’re committed to helping our non-profit customers carry out their missions—and one way to support them is by offering a maintenance fee-free checking account for tax-exempt organizations. - [State & Municipal Checking](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/state-municipal-checking/): From municipalities and local government to school districts, Kish offers public entities the ability to manage all their funds within one convenient, powerful checking account. Our State & Municipal Checking solution allows customers to earn interest on idle funds without having to transfer funds to and from a short-term investment account. With this single account, customers not only earn interest on their total combined balances, but also get a streamlined approach to managing daily activity and actual balances. - [Business Checking with Interest](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/business-checking-with-interest/): Kish’s Business Checking with Interest account offers the same features as Business Checking, but with the added benefit of earning interest. With this checking solution, you can take care of all your business banking needs while earning at the same time. - [Business Checking](https://www.mykish.com/business-professional-services/business-banking/business-checking-accounts/business-checking/): Our Business Checking experience is designed for commercial businesses, corporations, family-owned businesses, entrepreneurs, community organizations, and anything in between. With this checking solution, you can keep things simple and get all your core business banking needs taken care of in one straightforward account. - [Business Banking](https://www.mykish.com/business-professional-services/business-banking/): Managing cash flow and risk. Paying the bills. Planning for future growth. Every day, you’re working hard to make your business successful. At Kish, we understand that running a business comes with its shares of challenges, and we're here to help with them—by providing the banking solutions you need and offering expert guidance that helps your business thrive. With flexible products, innovative digital tools, and locations with real, local experts just around the corner, Kish offers everything you need to bank better for your business. Explore our solutions and start a conversation with us today. - [Trucking Quote Request](https://www.mykish.com/business-professional-services/commercial-insurance/trucking-quote-request/): At Kish Insurance, you’ll get affordable Commercial Trucking Insurance solutions that protect your most valuable assets. Our team will shop and compare options to find the best products geared specifically to your needs, at a price that works within your budget. Please submit the quote request form below and a Kish Insurance specialist will be in touch. - [Commercial Quote Request](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-quote-request/): At Kish Insurance, you’ll get affordable Commercial Insurance solutions that protect your most valuable assets. Our team will shop and compare options to get you the best coverage for your business needs, at a price that works within your budget. Please submit the quote request form below and a Kish Insurance specialist will be in touch. - [Farm & Agriculture](https://www.mykish.com/business-professional-services/commercial-insurance/farm-agriculture/): The farming industry is continuing to evolve, especially throughout central Pennsylvania. Some farms that were once used exclusively for livestock or crops have evolved into locales that now provide other services such as community entertainment or educational opportunities. And a whole new “crop” of operations, known as agribusiness companies, has emerged to support all different aspects of the farming industry. No matter what type of farm or agribusiness operation you have, Kish Insurance has you covered with the knowledge, expertise, and tailored coverage you need to best protect your property and operations. - [Religious Organization](https://www.mykish.com/business-professional-services/commercial-insurance/religious-organization/): When it comes to protecting your church or religious institution, turn to the trusted experts at Kish Insurance. We offer insurance solutions specially designed for religious organizations, such as coverage for unique property—like religious articles and fine arts—and liability coverages specific to religious institutions. - [Professional Liability](https://www.mykish.com/business-professional-services/commercial-insurance/professional-liability/): Professional Liability Insurance is commonly referred to as errors and omissions coverage. This type of coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the consultation, service, or product sold by the insured. Scenarios like these can be potential causes for legal action that would not be covered by general liability insurance policies, which address more direct forms of harm. Professional Liability coverage usually provides coverage for defense costs, including when legal action turns out to be groundless. - [Bonding](https://www.mykish.com/business-professional-services/commercial-insurance/bonding/): Kish Insurance provides bonding and bonding services to many types of businesses and professionals, making the process simple. We also provide bonding services for all types of contractors and will work with them to provide bid, performance and labor, and materials bonds required by the project contract. - [Workers’ Compensation](https://www.mykish.com/business-professional-services/commercial-insurance/workers-compensation/): Businesses in most states are required to have Workers' Compensation coverage, which applies to bodily injury or diseases acquired by an employee arising out of and in the course of employment. Workers' Compensation provides payment of: Medical Benefits, Income Benefits, Death Benefits, Rehabilitation Benefits. - [Business Owners](https://www.mykish.com/business-professional-services/commercial-insurance/business-owners/): Kish Insurance recommends that most small businesses have a Business Owners Insurance policy. This type of policy is often the most affordable way for a small business to obtain the broad coverage it needs. While some clients find that comprehensive Property and Liability coverages meet the needs of their business, others may need a customized policy tailored to provide increasing coverage in certain key areas. - [Commercial Auto](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-auto/): Commercial Auto coverage can insure vehicles that are owned, leased, hired, or borrowed by a business—whether it's an association, corporation, partnership, or sole proprietorship. Commercial Auto Insurance may be used to insure all types of commercial vehicles designed for use on public roads, including private passenger vehicles, trucks, trailers, and semitrailers. Our team of experts can recommend specific coverages and deductibles to create a tailored Commercial Auto plan that meets the needs of your business. - [Commercial General Liability](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-general-liability/): General Liability Insurance coverage is something that a business simply can't afford to go without. Protection against liability—which could arise from accidents occurring on your premises or from the operations, goods, or products made or sold by your business or property—is essential to making certain that your risk is minimized. Liability Insurance typically provides coverage for bodily injury, property damage, and personal injury. Coverage can also include medical expenses regardless of fault, and attorney fees associated with the accident. - [Commercial Property](https://www.mykish.com/business-professional-services/commercial-insurance/commercial-property/): In the event that your commercial property becomes damaged or destroyed, it’s important that you’re protected from a possible substantial loss. Whether it’s the physical building or items located on the premises, Commercial Property Insurance policies provide you with the peace of mind that comes with knowing you're covered from events such as: structure fires, storm damage, malfunctioned sprinkler systems, vehicular damage to a structure on your property. - [Commercial Insurance](https://www.mykish.com/business-professional-services/commercial-insurance/): When you choose Kish Insurance for your business, you get more than just comprehensive commercial insurance programs. You get access to local, experienced agents who take the time to meet with you and fully understand your business in order to recommend the best insurance solutions for your needs. With Kish, you gain a trusted partner that’s truly focused on your long-term success. Because Kish Insurance is an independent agency, we’re not tied to one carrier. That means we can shop around and compare coverage options to design the best insurance package at a price that works for you. Explore our solutions and connect with a Kish commercial agent today. - [Helpful Resources](https://www.mykish.com/business-professional-services/benefits-consulting/helpful-resources/): Good communication is the key to a trusted relationship between client and advisor, as well as employer and employee. At Kish, we believe that sharing information and providing access to reliable and balanced resources about the economy, insurance, legislation, and market trends is critical to everyone's success. Below are links to helpful industry sources that the Kish Benefits Consulting team uses every day. Bookmark your favorites for quick, easy access in the future. - [Carrier Information](https://www.mykish.com/business-professional-services/benefits-consulting/carrier-information/): Kish Benefits Consulting represents many highly rated and financially sound insurance carriers to provide our clients with quality products at competitive prices.  Use the links below to navigate to a specific carrier for the forms or information you need, or contact our team if you need assistance. - [Specialty Services](https://www.mykish.com/business-professional-services/benefits-consulting/specialty-services/): There are times when standard plans or programs just aren’t enough. When the need arises, Kish Benefits Consulting can work with you to customize an employee benefits solution that’s affordable, effective, and backed by our supportive team of benefits specialists who are here to help anytime, anywhere. Browse some of our most popular specialty services below, then reach out to our team to start a conversation about your specific needs. - [Plan Administration & Enrollment Support](https://www.mykish.com/business-professional-services/benefits-consulting/plan-administration-enrollment-support/): As an employer, you stand at the crossroads of plan selection and employee enrollment. You know the importance of offering benefits programs that not only provide flexible and affordable solutions for your current employees, but also help attract your future workforce. If you’re looking for a better way to manage it all, Kish Benefits Consulting can help. From enrollment strategies to reporting, our team of specialists will listen first, then develop an action plan. Using the latest technologies and services available, we’ll help optimize your plan enrollment and administration processes—and deliver better outcomes for you and your employees. - [Employee Benefits Products & Services](https://www.mykish.com/business-professional-services/benefits-consulting/employee-benefits-products-services/): Kish Benefits Consulting provides comprehensive employee benefits products and services that are tailored to your unique needs. Our hands-on specialists know the local business landscape and how to leverage benefits solutions to develop and maintain a thriving workforce. We partner with all kinds of small to midsize employers—banks, manufacturers, medical facilities, municipalities, school districts, and more. Our licensed employee benefit counselors and long-standing relationships with a network of independent brokers and consulting firms set the foundation for the highly reputable services we offer. - [Benefits Consulting](https://www.mykish.com/business-professional-services/benefits-consulting/): Kish Benefits Consulting is a trusted partner for small and midsized businesses throughout Pennsylvania and the Mid-Atlantic region. Backed by the reputable Kish name and 30+ years of experience, our team provides employee benefits advisory and brokerage services that help workplaces thrive. Whether you’re looking to improve your benefit offerings, streamline costs, or get guidance on ever-changing compliance and regulatory matters, Kish Benefits Consulting has the expertise and the passion to affect change for the better. - [TeleBanking & Text Banking](https://www.mykish.com/personal-services/personal-banking/digital-tools/telebanking-text-banking/): Use Kish's TeleBanking and Text Banking features to bank conveniently and easily from your phone—no app needed! Access your Kish Bank accounts any time of day via telephone. Check account balances and view recent transaction history by texting simple commands from your mobile phone. - [Mobile Wallets](https://www.mykish.com/personal-services/personal-banking/digital-tools/mobile-wallets/): You can do even more on the go by linking your Kish debit card to your device's mobile wallet. When your card is linked, you can use your device to pay for things like groceries or gas by simply holding the device above the card reader instead of having to swipe or insert your card! Kish debit cards are linkable to phones, smartwatches, and other eligible devices that use Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay mobile wallets. Easily and securely link your Kish debit card to your phone's mobile wallet directly from the Kish Digital Banking app, or see more setup options below. - [Kish TotalView](https://www.mykish.com/personal-services/personal-banking/digital-tools/kish-totalview/): Take control of your finances with Kish TotalView, our own Personal Financial Management (PFM) tool in Digital Banking. Set budgets, establish financial goals, and monitor both your Kish Bank accounts and accounts from other financial institutions—all in one convenient place and right from the palm of your hand. - [Enhanced Security](https://www.mykish.com/personal-services/personal-banking/digital-tools/enhanced-security/): Within Kish Digital Banking, you have more security options and control than ever. Easily manage your cards, set up alerts for your accounts and cards, and set custom preferences with the click of a button. - [eStatements](https://www.mykish.com/personal-services/personal-banking/digital-tools/estatements/): Reduce clutter and your environmental footprint by receiving your statements electronically. They’re fast, convenient, and best of all—free! Kish Digital Banking users can receive eStatements for many of their Kish accounts, including Checking, Savings, CDs, loans, and mortgages. - [Deposit Checks](https://www.mykish.com/personal-services/personal-banking/digital-tools/deposit-checks/): With the Kish Bank mobile app, depositing checks no longer requires a trip to the branch. Simply use the camera on your mobile phone to deposit checks into your Kish Bank checking or savings account anytime, anywhere. Deposit an unlimited number of checks at one time up to $5,000 total per day. - [Move Money](https://www.mykish.com/personal-services/personal-banking/digital-tools/move-money/): Bill payments, account and loan transfers, and person-to-person (P2P) payments are all a part of the same, seamless experience in Kish Digital Banking. - [Digital Banking](https://www.mykish.com/personal-services/personal-banking/digital-tools/digital-banking/): Do more banking from any PC, mobile device, or tablet with a seamless digital experience across all devices. Kish Digital Banking is free, convenient, and available to all customers with Kish Checking Accounts, Savings Accounts, CDs, IRAs, installment loans, mortgage loans, and lines of credit. - [Credit Cards](https://www.mykish.com/personal-services/personal-banking/cards/credit-cards/): Whether you want to pay down balances faster, earn rewards, begin building your credit history, or have a new card for all your online purchases, Kish has a credit card that's designed for your needs. All Kish Bank credit cards offer contactless technology, Zero Fraud Liability*, and convenient purchasing power anywhere Visa is accepted around the world. - [Debit Cards](https://www.mykish.com/personal-services/personal-banking/cards/debit-cards/): Do more with the contactless technology, advanced security, and other great features of a Kish Bank Debit Card. Using the funds from your Checking, Savings, or Health Savings Account, a Kish Bank Debit Card lets you conveniently and safely access your money at ATMs nationwide and easily purchase goods or services wherever Mastercard® is accepted around the world. And there’s never an annual fee to have a debit card. - [Savings Account](https://www.mykish.com/personal-services/personal-banking/personal-savings-accounts/savings-account/): It’s never too late or too early to start saving. A Kish Savings Account is a simple and easy way to set money aside for your short-term goals or a rainy-day emergency fund—and most importantly, it gives you peace of mind. - [Savings vs. Money Market Accounts](https://www.mykish.com/personal-services/personal-banking/knowledge-center/savings-vs-money-market-accounts/): Which Kish savings option is best for you? Compare the features and interest rates for our Savings Account and Money Market Accounts below. For more help determining which solution fits your needs, contact us for expert guidance from a Kish Banker. - [How Can I Get the Best Return on My Money?](https://www.mykish.com/personal-services/personal-banking/knowledge-center/how-can-i-get-the-best-return-on-my-money/): Short-term and long-term savings plans should be a part of any sound financial strategy. It’s important to prepare for expenses that are anticipated—like a wedding, vacation, college, or retirement. But it’s equally important to be prepared for expenses that are not anticipated—like a car repair, a big home appliance purchase, or emergency medical bills. So what are the best options for saving your money and getting the highest return? Here are some important things to consider and a few ways to start banking smarter for both your immediate and future needs. - [Managing Your Checking Account](https://www.mykish.com/personal-services/personal-banking/knowledge-center/managing-your-checking-account/): At Kish Bank, we want you to get the most out of your relationship with us. This guide is just one of the ways that we try to simplify managing your checking account and help you eliminate the expense and inconvenience of overdrafts. This guide covers how to better manage your checking account to avoid overdraft fees. We offer a number of services and products that can help you manage your money, including: Bill Pay, automatic payments, debit cards, ATMs, automatic transfers, checks, direct deposits, and mobile deposits. - [Overdraft Protection](https://www.mykish.com/personal-services/personal-banking/knowledge-center/overdraft-protection/): An overdraft occurs when you don't have enough money in your checking account to cover a transaction, but the transaction is processed anyway, resulting in a negative account balance. Kish encourages responsible use of your checking account. To avoid mistakenly overdrawing your account, we suggest that you maintain accurate records and keep track of your current balance by using Digital Banking, TeleBanking, your checkbook register, or your account statements. - [Easy Checking](https://www.mykish.com/personal-services/personal-banking/personal-checking-accounts/easy-checking/): Easy Checking from Kish Bank—the name says it all. With this personal checking solution, you can keep things simple and get all your core banking needs taken care of in one straightforward account—with no monthly maintenance fee. - [Expect More Checking](https://www.mykish.com/personal-services/personal-banking/personal-checking-accounts/expect-more-checking/): Looking for the best personal checking solution? Choose the Expect More Checking account—only from Kish Bank. This all-inclusive account offers the most valuable services and features to help you manage your money, including the ability to earn interest on your balance. - [Asset Protection](https://www.mykish.com/personal-services/wealth-management/trust-estate-services/asset-protection/): Asset Protection describes the variety of resources you can use to keep your assets—savings, property, investments, and more—safe from creditors, judgments, or other circumstances. Working with Kish can give you peace of mind and a detailed action plan that ensures your assets are used for the purpose you intended. Asset protection comes in many different forms, and it’s critical to have a plan in place before a need for protection arises. As part of our services, Kish can take care of all the details—meeting with you one-on-one to discuss your protection needs, then working closely with your attorney or other legal resources to make sure your wealth is fully protected. - [Trusts](https://www.mykish.com/personal-services/wealth-management/trust-estate-services/trusts/): Trusts are flexible tools that are an essential part of protecting and transferring wealth as desired by one's priorities and personal goals. There are different types of trusts to choose from, and different variables to consider when choosing the best option for your needs. Our professionals have years of unmatched experience designing and working with trusts. They will take the time to sit down and consult with you to develop strategies tailored to maintaining your current lifestyle, while building a financial legacy that aligns with your wishes for the future. Our team has the internal resources to manage everything from creation and implementation to ongoing oversight. - [Your Kish Your Way – Business](https://www.mykish.com/your-kish-your-way-business/): This page discusses Your Kish Your Way – Business. - [Customer Care](https://www.mykish.com/personal-services/personal-insurance/customer-care/): Kish Insurance Customer Care is an online portal and mobile app that provides you with instant, secure access to your insurance information, 24/7. Easily access your account and service options anytime, anywhere, from any device. - [Our Carriers](https://www.mykish.com/personal-services/personal-insurance/our-carriers/): As a local, independent insurance agency, Kish Insurance proudly represents the following highly rated, financially sound insurance companies. Some carriers offer online bill pay and online claim reporting services for your convenience. Locate your carrier below to utilize these services, or contact our team if you need assistance. - [Should I Combine Insurance Policies?](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/should-i-combine-insurance-policies/): There are different ways to save money on insurance policies, but it’s important to remember that you often get what you pay for. In many instances, the cheapest insurance policies out there mean minimal coverage and a much greater exposure to risk. Bundling policies together—like your home, auto, or other personal insurance policies—is both a safe and easy way to receive a multi-policy discount and keep some extra money in your pocket. And there are other benefits to bundling insurance policies in addition to potential cost savings - [What to Watch Out for When Trying to Save on Insurance](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/what-to-watch-out-for-when-trying-to-save-on-insurance/): No one wants to pay more for their insurance than they have to. But when people turn to discount auto policies thinking they are getting a good deal, things typically aren't always as they appear. While going for the first, cheapest insurance policy might save you some money in the beginning, it will likely end up costing you more in the long run—not just financially, but also mentally. The next time you’re shopping around for insurance, remember that a shockingly cheap policy indicates weak coverage. - [Recreational Vehicles](https://www.mykish.com/personal-services/personal-insurance/recreational-vehicles/): If you own any kind of recreational or leisure vehicle, the best way to protect it—as well as yourself, your passengers, and any valuables inside—is with Recreational Vehicle Insurance. Let the team at Kish Insurance help you determine the best coverage option for your needs so you can truly relax and enjoy your ride. - [Boat](https://www.mykish.com/personal-services/personal-insurance/boat/): Getting out on the water is all about spending time relaxing with family, friends, or just on your own. Kish Insurance can help make sure you have the Boat Insurance protection you need so that you and your loved ones stay safe, even in life’s unpredictable and choppy waters. In some cases, smaller boats with limited power may be covered under your Homeowners policy. But when additional coverage is needed or you want more than your Homeowners policy provides, Kish Insurance can help. Our agents are experienced in helping boat and watercraft owners select the best types of coverage for their needs based on a variety of factors, including the size and type of boat and how and where it’s used. - [Motorcycle](https://www.mykish.com/personal-services/personal-insurance/motorcycle/): Chances are, you spent a lot of time considering what type of bike to buy. Now you need to make sure you have the right protection for it. Just like Auto Insurance, the state requires you to have a certain minimum amount of Motorcycle Insurance coverage, but there are lots of additional options too. To really feel safe while you’re cruising the highways and byways, it's important to consider all your options before settling for minimum coverage. At Kish Insurance, we cater to the unique needs of motorcycle owners, and we know all the types of coverage options available to keep you, your loved ones, and your bike safe and sound. - [Umbrella](https://www.mykish.com/personal-services/personal-insurance/umbrella/): Your standard insurance provides ample protection for most situations, but what about certain less common scenarios? For example, if you’re sued and a settlement amount exceeds your insurance coverage limit, you’ll have to pay the rest out of your own pocket—unless you have Umbrella Insurance in place. An Umbrella policy provides protection that goes above and beyond your regular insurance coverage to give you extra protection in the event of certain less common circumstances. - [Travel Planning](https://www.mykish.com/personal-services/travel/travel-planning/): Kish Travel is proud to partner with Avenue Two Travel—a family-owned business and world-renowned expert in high-end travel planning. For over 35 years, Avenue Two has built a reputation as the best travel advisor in the Northeast. Their affiliation with the Virtuoso Member Network gives the Kish Travel team exclusive access to the best offers and amenities the industry has to offer for our clients. - [Signature Vacations](https://www.mykish.com/personal-services/travel/signature-vacations/): Kish Travel Signature Vacations feature group tours and cruises to popular destinations worldwide at an amazing value. These best-selling vacation packages are hand-picked and carefully planned by our specialists for a seamless, unforgettable experience. Explore our upcoming Signature Vacations. - [Travel Knowledge Center](https://www.mykish.com/personal-services/travel/travel-knowledge-center/): Want to learn more about travel with Kish? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Your Kish Your Way](https://www.mykish.com/your-kish-your-way/): This page discusses Your Kish Your Way. - [The Kish Innovation Center](https://www.mykish.com/about-kish/the-kish-innovation-center/): Our dedication to community and delivering the best possible banking experience comes to life in our newly constructed Kish Innovation Center, completed in late 2020. The Kish Innovation Center serves as Kish's technology and operations hub, and is designed to support Kish's long-term sustainability well into the future through an enhanced capacity for training, collaboration, and innovation. - [Insurance Knowledge Center](https://www.mykish.com/personal-services/personal-insurance/insurance-knowledge-center/): Want to learn more about Personal Insurance? Explore the articles and resources in our Knowledge Center to gain information and insights on the topics that are most important to you. - [Request a Quote](https://www.mykish.com/personal-services/personal-insurance/quote-request/): At Kish Insurance, you’ll get affordable insurance solutions that protect your most valuable assets. Our team will shop and compare options to get you the best coverage for your personal needs, at a price that works within your budget. Please submit the quote request form below and a Kish Insurance specialist will be in touch. - [Estate Administration](https://www.mykish.com/personal-services/wealth-management/trust-estate-services/estate-administration/): At Kish, we believe it’s never too early to consider an estate plan that protects your legacy. It may seem overwhelming, but our Trust & Estate team is here to make the process simple and stress-free. With years of experience helping customers throughout Central Pennsylvania establish and manage their estate plans, our team has the valuable, in-depth knowledge that is needed to safely protect your personal property, which could include real estate, cars, cash, or other assets. The proper administration of your estate plan ensures that your wishes are carried out with help from our experts. - [Aging in Place Services](https://www.mykish.com/personal-services/wealth-management/trust-estate-services/aging-in-place-services/): Kish's Aging in Place services provide helpful support to aging individuals so they can continue to enjoy life to the fullest in the comfort of their own home. Whether you need our services for yourself or for a loved one, we can help deliver flexibility, peace of mind, and a helping hand wherever you need it most. Our team will work with you to assess your needs and help coordinate the best resources based on your unique circumstances. As a local organization with deep roots throughout our communities, Kish has a vetted network of local providers that we can work with for Aging in Place services. - [Investment & Trust Management](https://www.mykish.com/personal-services/wealth-management/trust-estate-services/investment-trust-management/): Having a smart investment partner by your side is the best way to achieve the financial future you dream about. Kish's Trust & Estate Services team can be that partner for you—and listening is the first step in developing a strong investment portfolio. At Kish, you are at the center of our investment approach. It starts with understanding your goals and objectives, then setting the groundwork for the best long-term investment strategy. Along with some of the lowest fees around, there is a high level of objectivity and skilled discipline in everything we do—from in-depth research and committee reviews to ongoing audits, recommendations, and portfolio monitoring. - [Trust & Estate Services](https://www.mykish.com/personal-services/wealth-management/trust-estate-services/): The Kish Trust & Estate team is focused on working closely with you to develop a plan that protects the people or causes you care about most, and ensures that your wishes are carried out. We provide a broad range of trust and estate services, all backed by the legal and investment experience of a local team that is always working hard to put your needs first. From protecting your assets to taking advantage of valuable aging in place solutions, the first step to building a comprehensive wealth plan that incorporates flexible trust and estate tools is to start a conversation with Kish. - [Digital Tools](https://www.mykish.com/personal-services/personal-banking/digital-tools/): Digital banking tools from Kish let you do more—anytime, from anywhere. Send money to friends instantly, make deposits, manage your cards, pay bills, and more—it's never been easier to bank through a single, secure experience. As a Kish Bank customer, you can access these financial tools on any device, 24 hours a day. It’s simple, smart banking technology. And it’s only from Kish. - [Switch to Kish](https://www.mykish.com/personal-services/personal-banking/switch-to-kish-bank/): Switching from one financial institution to another can seem like an overwhelming process. At Kish Bank, our friendly, expert bankers will assist you every step of the way to make the transition a smooth, stress-free experience. Please use the guide below to gather any information you may need for the account opening process. Then stop in to any Kish location, where one of our banking specialists can help you determine which checking or savings account is best for you, or get you started right away with the account you want. - [Account Services & Fees](https://www.mykish.com/personal-services/personal-banking/account-services-fees/): This page discusses Account Services & Fees. - [Cards](https://www.mykish.com/personal-services/personal-banking/cards/): Kish offers a range of card solutions to fit your specific needs. Use your Kish debit card to safely access funds from your Kish accounts. Conveniently replace your lost Kish card with Instant Issue Debit Cards at our select locations. Apply for a Kish credit card to earn cash back or rewards on your everyday purchases. Whatever you need, Kish has a card for you. - [Health Savings Account](https://www.mykish.com/personal-services/personal-banking/personal-savings-accounts/health-savings-account/): If you or your family are covered by a high deductible health insurance plan, you may benefit from a Health Savings Account (HSA). An HSA is a tax-favored consumer savings arrangement that permits tax-free distributions of principal and earnings if distributed amounts are used for qualified medical expenses. - [IRAs](https://www.mykish.com/personal-services/personal-banking/personal-savings-accounts/iras/): No matter your age, it is important to start saving for your retirement. An Individual Retirement Account (IRA) is a great way to accumulate tax-advantaged deposits and earnings for your retirement. Kish offers Traditional and Roth IRAs, as well as Simplified Employee Pension Plans (SEP), and Savings Incentive Match Plans for Employees (SIMPLE). - [CDs](https://www.mykish.com/personal-services/personal-banking/personal-savings-accounts/cds/): Kish offers terms ranging from 3 months to 10 years, each with a fixed rate for the life of the CD. See current CD Rates. - [Digital Money Market Account](https://www.mykish.com/personal-services/personal-banking/personal-savings-accounts/money-market-account/): A Kish Digital Money Market Account allows you to earn higher interest rates to build up your balance and save for bigger life goals, while still having easy and convenient access to your money. - [Personal Savings Accounts](https://www.mykish.com/personal-services/personal-banking/personal-savings-accounts/): At Kish, we believe that saving money is an important part of any responsible financial plan. That means any day is a good day to start saving for a sound future. From a simple Savings or Digital Money Market Account to a tax-advantaged IRA that lets you invest more for retirement, Kish has a savings solution that’s just right for you. - [Flood](https://www.mykish.com/personal-services/personal-insurance/flood/): Flooding can occur in any state and at any time of year from a variety of types of weather, regardless of how far away you live from a body of water. Even if your home is far from the creek, river, lake, or coast, you can still experience flooding from heavy rain, melting ice and snow, clogged storm drains, or even new, densely built housing developments. Kish Insurance can find you the right Flood Insurance for your situation and budget. For those in low-risk zones, there are preferred risk policies that offer very affordable coverage. For those in high-risk areas, there are standard flood policies with rates based on the flood zone, age and type of home, and amount of coverage you choose. - [Dwelling Fire](https://www.mykish.com/personal-services/personal-insurance/dwelling-fire/): Unlike a Homeowners policy, Dwelling Fire Insurance allows you to choose only the coverages you want and the risks for which you choose to be protected. It’s designed to meet the needs of individuals who own camps, seasonal/vacation homes, rental properties, and investment properties. Dwelling Fire Insurance can also be leveraged for properties that are under construction or vacant. - [Farm](https://www.mykish.com/personal-services/personal-insurance/farm/): Farm Owners Insurance policies provide a predefined package of protection against loss of property from a number of perils, and against liability claims that may arise out of ownership of your farm, home, personal property, farming equipment, or farming/ranching activities. - [Homeowners & Renters](https://www.mykish.com/personal-services/personal-insurance/homeowners-renters/): Homeowners and Renters Insurance policies are designed as a package of coverages necessary to protect all the most common risks associated with owning or renting a home. At Kish Insurance, our agents will find you a competitively priced policy, then customize that policy to meet your individual needs by adding endorsements that cover any extra risks unique to you. Your home is one of your biggest investments—therefore, you need comprehensive coverage in the event your home is ever damaged or destroyed. If you don’t own your home, it’s wise to have Renters Insurance to protect your furniture and other personal property. - [Auto](https://www.mykish.com/personal-services/personal-insurance/auto/): Whether you're a single car owner or a family with multiple vehicles, Kish Insurance has an Auto Insurance policy designed and priced to meet your unique needs. And if you have a teenager ready to start out behind the wheel, we can offer suggestions to promote responsible driving from the start. - [Personal Insurance](https://www.mykish.com/personal-services/personal-insurance/): When you choose Kish Insurance, you get more than just insurance coverage. You gain a trusted partnership with knowledgeable, local agents who listen first to understand your needs, then recommend the best insurance solutions for your most valuable personal assets. Because Kish Insurance is an independent agency, we’re not tied to one carrier. That means we can shop around and compare options to create the best insurance package for your needs, at a price that works for you. Explore our solutions and connect with a helpful agent today. - [Careers](https://www.mykish.com/about-kish/careers/): At Kish, you'll find endless exciting opportunities for employment and career growth across all parts of our organization—including retail and business banking, private banking, finance, technology, marketing and sales, operations, facilities, insurance, investment and financial planning services, and so much more. No matter which job path you want to follow, you’ll be surrounded by a culture of caring—an organization that cares about you, and a team of people who care about making the lives of our customers, our communities, and each other better. - [How to Protect Yourself](https://www.mykish.com/about-kish/security-center/how-to-protect-yourself/): While Kish does everything in our power to protect our clients from fraud and scams, it is essential to take additional steps to protect yourself on your end. Here are some key actions you can take to give yourself maximum protection. - [Security Alerts](https://www.mykish.com/about-kish/security-center/security-alerts/): This page discusses Security Alerts. - [Kish & Your Security](https://www.mykish.com/about-kish/security-center/kish-your-security/): Kish Bank takes information security very seriously and has many proactive safeguards in place to prevent fraud and protect our customers and their accounts. - [Security Center](https://www.mykish.com/about-kish/security-center/): At Kish, it's one of our highest priorities to keep everyone—our clients, our team members, and our communities alike—safe. We take extensive measures to protect your money and personal data, and there are a number of additional steps you can take for extra protection. Explore our Security Center for the latest security-related alerts, resources, and information about how Kish protects you and how you can protect yourself. - [Contact Us](https://www.mykish.com/about-kish/contact-us/): Connect with Kish Bank—call, chat, or schedule an appointment. - [Privacy](https://www.mykish.com/about-kish/privacy/): Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. - [Economic Development](https://www.mykish.com/about-kish/community-commitment/economic-development/): In order to improve the economic well-being and quality of life for our communities, it is important for local businesses to take action. Kish believes that vibrant communities with strong senses of pride and place are the foundation of successful businesses—which, in turn, provide good jobs and valuable benefits to employees. - [Employee Volunteerism](https://www.mykish.com/about-kish/community-commitment/employee-volunteerism/): Meaningful community engagement is a core value at Kish. Our team members belong to Kish Community Action Teams (“CATs”) in our four-county market area in Pennsylvania—Mifflin, Huntingdon, Juniata, Blair, and Centre counties. Our Community Action Teams work hard to drive many different kinds of planned volunteer activities and contributions in their communities. Every Kish employee is provided up to 24 hours (or three days) of paid volunteer time off each year to take part in volunteer efforts of their choosing in their community. Each year, Kish employees donate hundreds of hours combined to volunteering. - [Charitable Support](https://www.mykish.com/about-kish/community-commitment/charitable-support/): Kish maintains a strong focus on providing direct charitable contributions to a variety of non-profit organizations in the communities we serve. Charitable support at Kish focuses on four primary areas: Children, Housing, Health (particularly the three local hospitals in the markets we serve and support for cancer prevention programs/research), Economic Development (with a focus on Chamber of Business & Industry and Commerce). - [Community Commitment](https://www.mykish.com/about-kish/community-commitment/): At Kish, meaningful community engagement is a core value and strategic priority.  We believe in the power of individuals to come together to make a positive difference. Kish works in partnership with non-profit organizations that improve the quality of life where our clients and employees live and work. From financial contributions to paid volunteer hours for our team members, find out what Kish does to help our communities thrive. - [Why Kish](https://www.mykish.com/about-kish/why-kish/): At Kish, it's not about what we do, it's about why we do it. Our “why” is the driving force behind everything: we believe in our hearts that we can make the lives of those around us—our employees, our clients, and our communities—better. As a result of our passion for improving lives, we deliver an unmatched experience. Hear the stories of people like you whose lives have been improved through the Kish experience. You are why... we are Kish. - [Personal Checking Accounts](https://www.mykish.com/personal-services/personal-banking/personal-checking-accounts/): Kish Bank checking solutions are simple yet powerful—giving you the ability to do more, without having to work harder. All of our checking account options offer unlimited Kish ATM usage, free Kish Digital Banking, free balance inquiries, and more. - [Business Succession & Protection](https://www.mykish.com/business-professional-services/business-financial-solutions/business-succession-protection/): Business succession planning is critical for business owners—especially in a family-run business or partnership. Advance planning helps you to manage what will happen to your business when you retire, or in the event of unexpected health challenges, divorce, or death. It can help eliminate conflict among family members and business partners, provide the funding and assets for a smooth transition, and give your customers confidence during the transition. Our team of knowledgeable financial professionals assists in the design of buy-sell agreements and provides the financial products necessary to fund the plan, helping to ensure the seamless transition of your business to successors. We will work closely with your attorney or legal team, as well as your accountant and business appraiser, to develop the right plan for your business. - [Employee Education](https://www.mykish.com/business-professional-services/business-financial-solutions/employee-education/): Having access to financial education for yourself and your employees is critical for business owners. For many individuals, the only opportunity for this access comes from their employer—and our experience tells us that more and more employees consider financial education and planning as an employee benefit. Kish Financial Solutions can provide numerous opportunities for your employees to learn about financial topics, as well as the opportunity to meet or talk with our advisors. - [Executive Compensation](https://www.mykish.com/business-professional-services/business-financial-solutions/executive-compensation/): Executive and key employee compensation strategies help business owners to recruit and retain their most central employees by providing attractive incentives. Kish Financial Solutions works with you to gain a complete understanding of your business objectives and uses our wide range of financial products and strategies to align the financial interests of your business with those of your key employees. Compensation plans help more than just employers—employees receive benefits and services that help them with their retirement income strategy, prepare for the unexpected, and accumulate wealth for their retirement. - [Retirement Solutions](https://www.mykish.com/business-professional-services/business-financial-solutions/retirement-solutions/): Your employees are essential to your business, and Kish Financial Solutions understands that a tailored and robust suite of retirement solutions can make all the difference in recruiting and retaining great employees. Our professionals will work directly with your management team to understand the goals and objectives for your company retirement plan, using that information to help you choose the best retirement plan for your business from a wide array of products and services: Pension Plans – offer a fixed commitment to provide a benefit or contribution for the employee participant based on a formula. (Cash Balance Plan, Defined Benefit Plan, Target Benefit Plan, Money Purchase Plan, etc.) Profit-Sharing Plans – allow for a discretionary contribution by the employer, while the employee uses pre-tax salary deferral to fund their account. (Profit Sharing Plan, 401(k) Plan, Simple 401(k), 403(b), etc.) Other Plans – there are other types of plans that can be cost-effective and powerful savings vehicles for the right situation. (Simplified Employee Pension (SEP), Savings Incentive Match Plan for Employees (SIMPLE), etc.) After selecting the right plan, Kish Financial Solutions works side-by-side with your team to implement the plan smoothly and efficiently, in addition to monitoring the plan administration and providing tailored employee education throughout the year. Talk to us today about how we can help design a plan that's best suited to serve your goals and objectives. - [Business Financial Solutions](https://www.mykish.com/business-professional-services/business-financial-solutions/): Our goal at Kish Financial Solutions is to know your business as trusted professionals. By working side-by-side with you to build an understanding of what's important for your business and your employees, we provide recommendations from our comprehensive business financial services that are tailored to your needs and objectives. Our team's exceptional depth and knowledge allows us to develop the best business solutions for you using a wide array of products and services, from retirement and succession planning to employee compensation, insurance, and education plans. Explore our solutions and contact us today to learn how we can help achieve your business goals. - [Wealth Transfer](https://www.mykish.com/personal-services/wealth-management/financial-solutions/wealth-transfer/): There are many different ways to preserve the wealth you've worked hard to attain, and wealth transfer is one important piece of your overall financial plan. Through our Wealth Transfer services, we can help you map out a secure future for you and the ones you love. Do you want to provide for the financial needs of your children or grandchildren? Pass your business to the next generation? Give to a valued charitable cause? Our team of professionals will analyze your financial position from all angles to design an approach that matches your goals and transfers your wealth in the most seamless way possible. - [Retirement Income](https://www.mykish.com/personal-services/wealth-management/financial-solutions/retirement-income/): Planning for retirement, regardless of what stage of life you’re in, can be an overwhelming experience. If you’re approaching retirement age, you need sufficient income that ensures you don’t outlive your money. If you’re just beginning to save for retirement, you need to know how much money to invest each month—and where to invest it—so you can retire comfortably when you’re ready. The good news is you don’t need to plan for retirement alone. Kish Financial Solutions understands the complexities that go into creating a plan that will achieve your goals. - [Financial Position Analysis](https://www.mykish.com/personal-services/wealth-management/financial-solutions/financial-position-analysis/): Are your current accounts and investments aligned in the best way possible for your long-term financial goals? Or could you benefit from a professional evaluation of your assets, to ensure you’re on the right path to greater financial health? Talk to Kish Financial Solutions about our Financial Position Analysis. - [Investment Advisory Services](https://www.mykish.com/personal-services/wealth-management/financial-solutions/investment-planning/): At Kish Financial Solutions, investment planning is an educational process. When we meet with our clients, we listen first—then we educate and offer up an investment strategy that’s highly tailored to your personal needs. It’s truly what sets us apart from other financial professionals. Through active listening, we’ll gain a solid understanding of your investment philosophy, short-term and long-term goals, and your comfort level between balancing the risk of loss and the opportunity for gain on your investments. - [Risk Management](https://www.mykish.com/personal-services/wealth-management/financial-solutions/risk-management/): At Kish Financial Solutions, we educate our clients about their wealth so they can take care of the people and causes they care about. Part of that education involves discussion around risk management. It’s the foundation of any solid financial plan—with tools that protect you and your family from the risk of monetary loss due to death, disability, or a long-term care event. Our team is dedicated to developing the right risk management strategy to maintain your overall financial health. And because everyone’s needs are different, we’ll meet with you one-on-one to offer our analysis and present options for choosing the right insurance solution for you. - [Financial Planning](https://www.mykish.com/personal-services/wealth-management/financial-solutions/financial-planning/): Financial planning means different things to different people. At Kish Financial Solutions, we believe it’s the process of carefully managing your finances to help plan for a future you’ve dreamed of. And we believe you shouldn’t have to plan for your future alone. Our team brings a wealth of knowledge and experience to our client relationships and offers professional guidance based on your financial goals—whether you’re looking for a comprehensive plan or want to focus on a specific area of your financial life. - [Financial Solutions](https://www.mykish.com/personal-services/wealth-management/financial-solutions/): Kish Financial Solutions is committed to putting you on the path to a sound financial future. We provide comprehensive financial services to individuals and families throughout the Central Pennsylvania region, backed by a highly experienced, knowledgeable, and helpful team. Our mission: to work with you and develop a personalized financial strategy that champions the creation and preservation of your wealth. To help you achieve your goals, we offer a diverse mix of financial services, from financial and investment planning to retirement income and wealth transfer solutions. See what our team can do for you—explore our solutions below, then contact us to meet with a Kish Financial Solutions professional. - [Fixed Rate Mortgages](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/fixed-rate-mortgages/): A Fixed Rate Mortgage from Kish lets you lock in a rate with traditional mortgage terms of 30, 20, 15, or even 10 years. This provides the security of knowing that your monthly principal and interest payment will stay the same for the life of your loan. And there are no pre-payment penalties if you want to pay the loan off early or increase your monthly payment. Not sure if a fixed rate mortgage is right for you? Talk to a Kish lending specialist. We’ll discuss your goals and help determine the best borrowing option for you. - [Personal Loans](https://www.mykish.com/personal-services/personal-loans-credit/personal-loans/): With flexible terms, competitive rates, and convenient payment options, a personal loan from Kish Bank can help you with the planned – and unplanned – things in life. Like buying a car, making home repairs, covering medical expenses, consolidating debt, or just having extra cash to check things off your bucket list. Kish’s team of local, knowledgeable lending specialists are here to discuss your goals and help determine the best loan option for you. Learn more below, then connect with us today to start the conversation. - [Lines of Credit](https://www.mykish.com/personal-services/personal-loans-credit/lines-of-credit/): Enjoy the convenience of writing your own loans whenever you need money, for whatever reason. With a Line of Credit from Kish, you can access cash quickly by loan checks, automatic transfers through Digital Banking, or at your local branch. And when attached to a Kish Bank checking account, your Kish Line of Credit can protect you from the occasional checking account overdraft. - [Student Loans](https://www.mykish.com/personal-services/personal-loans-credit/student-loans/): Kish offers student loans through a partnership with the Pennsylvania Higher Education Assistance Agency (PHEAA), one of the country’s leading student aid organizations. Through the PA Forward Student Loan Program, PHEAA offers loan options designed with PA students and families in mind. With features like low rates, multiple repayment options, and potential interest rate rewards, these loans enable students to pursue their higher education dreams and make managing their loans easier. - [Home Equity Loans](https://www.mykish.com/personal-services/personal-loans-credit/home-equity-loans/): Turn the equity in your home into the cash you need with a Home Equity Loan or Line of Credit from Kish. Whether you’re looking to pay off or consolidate debt, tackle a home improvement project, or pay for a large expense like education, our solutions give you flexibility to achieve your financial goals. - [Meet Our Team](https://www.mykish.com/about-kish/meet-our-team/): Whatever your Kish journey looks like, our team of local experts are here for your needs every step of the way. Financial Solutions, Insurance, Benefits Consulting, Travel, Wealth Management - [Mortgages](https://www.mykish.com/personal-services/personal-loans-credit/mortgages/): Looking to buy, build, or refinance a home? Kish has you covered with a large offering of flexible mortgage solutions to fit your unique needs. Our team of local mortgage lenders is here to provide you with expert guidance and support throughout your entire borrowing journey. Get more information about our many mortgage solutions below, then schedule an appointment with us to discuss your goals and find the best mortgage option for you. - [Travel](https://www.mykish.com/personal-services/travel/): Expect more from your travel experiences with Kish Travel, powered by Avenue Two Travel. Whether you're dreaming of a one-of-a-kind itinerary or simply need assistance booking your favorite hotel with exclusive perks, we're here to deliver seamless, stress-free journeys that exceed expectations. - [Wealth Management](https://www.mykish.com/personal-services/wealth-management/): Kish Wealth Management goes far beyond investments. When you work with our team of Trust & Estate or Financial Solutions professionals, you get one-on-one guidance that will help you build and preserve wealth throughout every stage of your life. Our time and resources are focused on you—and our local community bank framework helps make that high level of personalization possible. - [Personal Loans & Credit](https://www.mykish.com/personal-services/personal-loans-credit/): Kish understands that everyone has diverse borrowing needs, and our experienced local lenders have a personal interest in seeing each of our customers thrive. That’s why our team takes the time to first learn about your unique goals, then determine what loan or credit solution best fits your needs. With flexible products, innovative digital tools, and locations with real experts just around the corner, Kish offers everything you need for wherever life takes you. - [Personal Banking](https://www.mykish.com/personal-services/personal-banking/): Paying bills today. Saving money for tomorrow. Earning cash back on purchases. Chances are that every day, you’re doing something related to finances. So let Kish make your personal banking simple—so you have more time to focus on what matters most. With flexible products to fit your needs, innovative digital tools, and locations with real, local Kish Bankers just around the corner when you need them, you'll have everything you need to bank for life. - [Sitemap](https://www.mykish.com/sitemap/): This page discusses Sitemap.