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Personal Banking

Compare accounts to see which one works best for you.

SMART eAccount

SMART Account

SMART+ Account

Minimum deposit to open account

$25 

$25

$25

eStatements or paper statements

 

Phone, online, mobile, tablet banking

Account alerts (text and email)

 

Online bill payment

 

Person-to-Person payments (Popmoney)

 

Debit card

 

Debit card rewards

Check writing

 

Check discount (basic check design)   1st Order Free 2 Free Orders Per Year

Non-Kentucky Bank ATM fees automatically
refunded (Up to $25 per month)

 



Non-Kentucky Bank ATM fees refunded (Present receipt within 30 days of transaction, up to $5 per transaction)





Safe Deposit Box discount   50% Discount
Interest (tiered $5,000 or greater)  

 

Monthly service charge

$4.00 

$4.00

$12.00

MONTHLY REFUNDS - Receive these funds up to your monthly service charge. (The following refunds are available on active accounts only)

Direct deposit refund

($2.00)

($2.00)

($2.00)

eStatement refund

($2.00)

($2.00)

($2.00)

Student refund
(under age 23)

($2.00)

($2.00)

($2.00)

Average account balance refund ($1,500)

 

($8.00)

Total deposit relationship refund ($30,000)  

($8.00)

ADDITIONAL CHECKING ACCOUNTS

Account Description  To Open Interest
If you have been unable to open a checking account due to prior credit or banking history we may be able to help. Ask us about Opportunity Checking or click here for more information
Money Market

Earn interest with $1,000 monthly minimum.


$1,000 



(tiered)

 
Health Savings Accounts

Tax advantaged medical savings account. View tutorial.



$50





Minimum Opening Deposit $25 details

This account is available for customers that are always on the go; it doesn't matter where you are or where you are going. If you are busy and just can't make it to the bank, you can open your account online. Apply now!

ACCOUNT FEATURES:
  • $25 minimum opening deposit
  • No minimum balance required
  • Receive eStatements
  • Unlimited transfers and withdrawals
  • Free Online Banking and Bill Payment
  • Access to free Mobile Banking
  • Monthly service charge of $4.00
  • Receive monthly refunds, up to the amount of your service fee, for the following services:
    • Monthly direct deposit refund = $2.00
    • eStatement refund = $2.00
    • Student (under age 23) refund = $2.00


Minimum Opening Deposit $25 details

Your Smart account will help you get the most out of your finances and your checking account by automatically recognizing the activities in your account that earn you refunds for fees.

ACCOUNT FEATURES:
  • Rewards Debit/ATM Card   Visit UChoose Rewards 
  • Online Banking
    • Debit card rewards
    • Customizable account alerts (text and email)
    • Person to Person payments (Popmoney)
    • Unlimited bill payment
    • Express funds transfer
    • eStatements or paper statements
    • Images of all cleared checks
    • Transaction history and current balance
    • Personal finance tools (pull reports and customize transaction labels)
  • First order of checks basic style checks free
  • One simple combined monthly statement
  • Unlimited access
    • Check writing
    • Transfers
  • Opening Deposit: $25
  • Your Smart account reimburses your monthly fees for several different activities. See which applies to you. Refunds cannot exceed monthly service fee of $4.
    • Direct Deposit Refund = $2 refund
    • eStatement Refund = $2 refund
    • Student Refund (under age 23) = $2 refund


Minimum Opening Deposit $25 details

Your Smart + account will help you get the most out of your finances and your checking account by automatically recognizing the activities in your account that earn you refunds.

ACCOUNT FEATURES:
  • Rewards Debit/ATM Card  Visit UChoose Rewards 
  • Automatic reimbursement of ATM fees from any non-Kentucky Bank ATM. Automatic refunds up to $25 monthly in ATM fees, including the Kentucky Bank fee and other bank's fee.
  • Online Banking
    • Debit card rewards
    • Customizable account alerts (text and email).
    • Person to Person payments (Popmoney)
    • Unlimited bill payment
    • Express funds transfer
    • e-Statements or paper statements
    • Images of all cleared checks
    • Transaction history and current balance
    • Personal finance tools (pull reports and customize transaction labels)
  • Two free orders of basic style checks annually
  • 50% discount on Safe Deposit Boxes
  • One simple combined monthly statement
  • Unlimited access
    • Check writing
    • Transfers
  • The variable interest rate earned in your Smart + Account will automatically adjust depending on your average monthly balance each statement cycle. Please contact a Kentucky Banker for current rate information.
    • $5,000 - $7,499
    • $7,500 - $9,999
    • $10,000 and above
  • Opening Deposit: $25
  • Your Smart + account refunds your monthly fees for several different activities. See which applies to you. Refunds cannot exceed monthly service charge of $12.
    • Direct Deposit Refund = $2 refund
    • eStatement Refund = $2 refund
    • Student Refund (under age 23) = $2 refund
    • Average Account Balance Refund when you maintain an average balance of $1,500 in the account = $8 refund
    • Total Deposit Relationship Refund when you maintain an average balance of $30,000 in all of your deposit accounts = $8 refund


Minimum Opening Deposit $1,000 details


Our Money Market checking account pays interest and offers you the ability to write up to three checks per month. Deposit balances determine interest rates.
  • $1,000 minimum deposit to open account
  • $1,000 minimum monthly balance to avoid service fees
  • $8 service fee if daily balance is below $1,000
  • Interest is earned on average collected daily balance
  • Interest is compounded and paid monthly
  • Interest is earned each day the balance is $1,000 or more
  • ATM access
  • Kentucky Bank check card
  • Check writing and withdrawal limitations: Regulations permit 6 transfers and withdrawals per statement cycle; up to 3 transactions may be made by check, draft or debit card, the remainder may be pre-authorized (automatic) transfers
  • Monthly statement with images of checks and deposits  


Minimum Opening Deposit $50 details


Potential customers: Individuals who are under the age of 65 and are covered by a High Deductible Health Plan qualify. They cannot be covered by other health insurance or enrolled in Medicare. They cannot be claimed as a dependent on someone else’s tax return. Click here to view the HSA tutorial.
  • $50 minimum opening deposit
  • No minimum balance required
  • No Kentucky Courtesy coverage or overdraft privileges
  • Accessible by online banking, bill pay and e-statements
  • Unlimited transactions
  • Earns a variable rate of interest, compounded daily and paid monthly on collected balances
  • Funds can be accessed by debit card, check, or other payment methods provided with your account
  • $10 set up fee (except Kentucky Bank Employers Club clients)
  • Monthly fee of $2.75
  • Check order fee
  • $25 closing transfer/rollover fee

     

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