Banks in Effingham, KS

Bank branch map: Effingham

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 1 institution operates 1 location in Effingham, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Effingham

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Exchange Bank & Trust is the only bank with an office in Effingham. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Exchange Bank & Trust 1 branch · main office Atchison, KS Bank · 1

Exchange Bank & Trust has 1 branch in Effingham, 8 across Kansas and 10 nationwide. FDIC records list its main office in Atchison, KS and show it operating since 1856. With $626.8 million in total assets on June 30, 2026, it ranks No. 1,514 of 4,232 U.S. banks by total assets. The Effingham Branch at 423 Main St dates to 1905 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Effingham Branch

  423 Main St, 66023

  Hours: see the bank's site
  DirectionsWebsite

Exchange Bank & Trust: profile, branches and contacts

Banking in Effingham: the local picture

Short answer: 1 bank runs 1 branch in Effingham according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Exchange Bank & Trust has its main office in Atchison, KS, according to the FDIC.

The bank with the longest record here is Exchange Bank & Trust, operating since 1856 according to the FDIC.

The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Effingham, and where the nearest one is if they do not.

Short answer: No branches in Effingham: Chase (nearest in Lawrence, 41 mi), Wells Fargo (nearest in Shawnee, 50 mi), Bank of America (nearest in Lawrence, 38 mi), PNC Bank (nearest in Overland Park, 55 mi), U.S. Bank (nearest in Topeka, 32 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Shawnee, 46 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Effingham to the nearest branch in Kansas.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Effingham residents like anyone else.

Banks near Effingham

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Horton (12 miles) and Atchison (15 miles). Leavenworth, 30 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Effingham

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Effingham between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Effingham by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Effingham offices.

Short answer: Exchange Bank & Trust is the largest bank with offices in Effingham, with $626.8 million in total assets on June 30, 2026, No. 1,514 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Effingham: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.