Review on KearneyTrust
Disclaimer
Our reviews are subjective opinions based on the analysis of our independent writers from around the world. We recommend exercising your own judgment and verifying information independently. We cannot be held liable for decisions made based on our reviews.
Summary
About KearneyTrust
KearneyTrust.com is the official website of Kearney Trust Company, a state-chartered bank based in Kearney, Missouri (MO), United States. The site offers a full suite of personal and business banking services, including checking and savings accounts, certificates of deposit (CDs), online and mobile banking, bill pay, eStatements, and lending services. The bank also provides guidance on online security, identity theft, and fraud prevention. According to its website, Kearney Trust is FDIC-insured, giving customers confidence that deposits are protected.
Beyond the digital presence, Kearney Trust Company has a physical presence: its main branch is located at 310 W State Route 92, Kearney, MO, with a second branch inside a Price Chopper location (701 Watson Drive, Kearney, MO). Its routing number (101206457) is listed for ACH and wire transfers. Financially, the bank is publicly reported: its assets are around $313.8 million, with total deposits of roughly $278.6 million. It has an FDIC certificate (#9794), indicating formally that it’s regulated and insured by the FDIC. The bank also publishes a Community Reinvestment Act (CRA) public file, and its most recent CRA rating is “Satisfactory.”
On its site, Kearney Trust emphasizes online security. Their FAQ explains that they use 128-bit encryption, session timeouts, and challenge questions to secure online banking. There is also a mobile app (Android) for customers to manage their accounts on the go. For additional safety, their “Alerts and Tips” page educates customers on identity theft, password hygiene, phishing, and other fraud-related issues.
Overall, KearneyTrust.com presents as a genuine, brick-and-mortar bank with a legitimate and well-maintained online presence, not as a fly-by-night or scam venture.
More Details
After a thorough analysis, KearneyTrust.com appears to be legitimate for several reasons:
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Regulatory Backing: The FDIC listing confirms that Kearney Trust Company is insured and regulated.
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Real-World Presence: The bank has two physical branches in Missouri, with a publicly listed address and contact numbers.
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Longstanding Operation: Founded in 1882, the bank has been in operation for well over a century.
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Sound Financial Health: Public reports show substantial assets and deposits.
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Digital Infrastructure: Offers secure online banking, mobile apps, encryption, session management.
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Customer Education: Maintains a fraud-awareness section to help users guard against phishing and identity theft.
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Verified Banking Identifiers: Routing number (101206457) is recognized, allowing ACH and wire transfers.
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Independent Reporting: Financial and structural data appear in third-party banking databases (e.g., Visbanking).
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Mobile App Adoption: There is a genuine mobile app on Google Play with user reviews and security measures.
Taken together, these data points align strongly with what one expects from a real, properly regulated bank rather than a scam site.
Warning: Low score, please avoid this website!
According to our review, this website has a higher risk of being a scam website.
It may attempt to steal your funds under the pretense of helping you make money.
Notice: High Score — Not likely to be a scam website.
According to our review, this website has a low risk of being a scam.
There is minimal indication of fraudulent activity.
Notice: Moderate score — Caution advised.
According to our review, this website shows a moderate risk level based on current data.
There is no strong evidence of a scam, but users should proceed carefully.
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Competiting Brands
Photos of KearneyTrust
Pros
- Security Focused: Educates customers about fraud, uses encryption and session controls.
- Community Accountability: Publishes CRA reports, has a public feedback mechanism.
- Transparent Contact Info: Branch addresses, phone numbers, and email publicly available.
Cons
- Not BBB Accredited: While not necessarily a red flag, some users might see lack of BBB accreditation as a minus.
- Limited Branch Footprint: Only two physical locations (both in Kearney, MO), which may not be convenient for customers outside that area.
Website Overview
Country:
USA
Operating Since:
1996
Platforms:
Mobile/Desktop
Type:
Online bank
Spread:
N/A
Funding:
Online bank
Leverage:
N/A
Commission:
N/A
Instruments:
N/A
Keypoints
Regulated Institution: Kearney Trust Company is FDIC-insured.
Long History: The bank’s establishment dates back to 1882.
Physical Locations: Two branches in Kearney, MO: one main branch, one in Price Chopper.
Solid Financials: Assets are over $300 million; deposits also substantial.
Overall Score
96%
Final Thoughts
After viewing and analyzing the site thoroughly by our experts and undergoing the proper process, we have reached a final conclusion.
KearneyTrust.com is not a scam. It is the well-established online presence of Kearney Trust Company, a bona fide, FDIC-insured bank serving the Kearney, Missouri region and beyond. The site provides a comprehensive suite of banking services, backed by physical branches, public financial disclosures, and strong security measures. While the bank is local (with only two branches) and not BBB-accredited, these factors alone do not undermine its legitimacy.
If you're considering using Kearney Trust for banking, your funds should be protected, and you can engage with the bank with confidence. As always, exercise standard precautions: use strong passwords, monitor statements regularly, and educate yourself about phishing and fraud — something Kearney Trust itself actively promotes on its site.
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