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If you are not a Kentucky Bank customer or if you have a Kentucky Bank account, but do not use online banking, click here to open a new Kentucky Bank Account online.
If you are a current Kentucky Bank Online Banking user and would like to open a new Kentucky Bank Account, we can make this process quicker. Login to Online Banking, then click on the Open New Account tab and the online application will launch.
| Account |
Description |
Minimum to Open |
Interest Bearing |
Simply Checking
 |
Simply Checking has no monthly service charge. |
$100 |
No |
.comChecking
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Apply online for this checking account with no monthly fee. |
$100 |
No |
Kentucky's Best Checking
|
Age has its privileges and Kentucky's Best is one of them. For customers 50 or better, the account will not have a monthly service fee or minimum deposit requirement. |
$100 |
Kentucky's Best has the option of being combined with Premium Checking to earn interest.
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Kentucky's Preferred Checking
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This checking account will earn interest with balances of $2,500 and will not have a monthly service fee when total monthly deposits of $15,000 in related accounts or $2,500 in Kentucky's Preferred account are maintained. A Kentucky Bank credit card with no annual fee is available upon approval. |
$2,500 |
Yes |
Premium Checking
|
Earn interest on an individual checking account by maintaining a $1,000 balance. Customer can write as many checks a month as needed at no extra charge. |
$1,000 |
Yes |
.comPremium Checking
|
Apply online for this checking account that earns interest by maintaining a $1,000 balance or higher. |
$1,000 |
Yes |
Money Market Checking
|
Kentucky Bank's Money Market checking account pays interest and offers the ability to write up to three checks per month. Deposit balances determine interest rates. |
$1,000 |
Yes |
Plus Package
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The perfect way to make banking easier. Kentucky Bank's Plus Package is a package that can be available for all checking accounts offered by Kentucky Bank. The plus package includes cost savings for the customer on many bank convenience services. |
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Health Savings Accounts
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A H.S.A. is a tax-advantaged medical savings account available to tax payers in the United States who are enrolled in a High Deductible Health Plan (HDHP). It is an individual interest bearing checking account used to pay qualified Health care costs tax-free. Qualified plans can allow any unused funds to roll over from year to year and continue to earn interest tax-free. Click here to view the HSA tutorial. |
$50 |
Yes |
Simply Checking
| Minimum Opening Deposit $100 |
 |
- No monthly service charge
- No minimum balance
- No limit on the number of checks you can write
.comChecking
| Minimum Opening Deposit $100 |
 |
This account is available for customers that are always on the go; it doesn't matter where you are or where you are going. Whether your schedule doesn't allow time to make trips to the bank or you've moved away for college, you can apply online to open this account. Apply now!
- $100 minimum opening deposit
- No minimum balance required
- Receive eStatements
- Unlimited transfers and withdrawals
- Free Online Banking and Bill Pay
- Access to Free Mobile Banking
Kentucky's Best Checking
| Minimum Opening Deposit $100 |
|
Age has its privileges and Kentucky's Best is one of them. If you are 50 or better, your account will not have a monthly service fee or minimum deposit requirement.
- No monthly service fee
- No minimum balance required
- 0.10% extra on Certificates of Deposit
- Free Kentucky Bank checks or a discount on any other style
- 50% discount on safe deposit box
- Unlimited cashiers checks
- Unlimited travelers checks
- Unlimited notary service
- Unlimited statement copies
- No annual fee on Kentucky Bank credit card, upon approval
- Free check card
- Free photo copy service
Kentucky's Preferred Checking
| Minimum Opening Deposit $2,500 |
|
We want you to know we appreciate your business. Your checking account will earn interest with balances of $2,500 and will not have a monthly service fee when you keep total monthly deposits of $15,000 in related accounts* or $2,500 in your Kentucky's Preferred account. A Kentucky Bank credit card with no annual fee is available upon approval.
- $100 minimum deposit to open account
- To avoid service fees, maintain a minimum of $2,500 in the Kentucky's Preferred checking account OR $15,000 in total deposit balances
- $12.50 monthly service fee if minimum monthly balances are not met
- ATM access
- Kentucky Bank check card
- Monthly statement with images of checks and deposits
*A related account is defined as two or more accounts with the same title of ownership.
Money Market Checking
| Minimum Opening Deposit $1,000 |
|
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
Plus Package
The Plus Package is available on almost any checking account. The Plus Package includes cost savings on bank services.
- Plus Check Card - use this card up to three times a month at a foreign ATM with no Kentucky Bank fee
- Free Kentucky Bank checks or a discount on any other style
- $15 discount on any safe deposit box*
- Unlimited cashier checks, travelers checks, notary service, statement copies
- Kentucky Bank credit card with no annual fee, upon approval
- Free online banking access
- Free photo copy service
- Free Bill Pay
- The Plus Package is only $6 per month with your checking account.
*If available
Premium Checking
| Minimum Opening Deposit $1,000 |
|
Earn interest on your individual checking account by maintaining a $1,000 balance.* You can write as many checks a month as you need at no extra charge.
- $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
- Monthly statement with images of checks and deposits
*Not available to Partnerships or Corporations.
.comPremium Checking
| Minimum Opening Deposit $1,000 |
|
Earn interest with this online account when you maintain a balance of $1,000 or greater. If your daily balance is $10,000 or higher you will earn an additional 0.10% percentage points of interest.
- $1,000 minimum opening deposit*
- Interest is earned on average collected daily balance
- Free Online Banking, Bill Pay and Mobile Banking
- eStatements only
*$8 service fee if daily balance falls below $1,000 any day of the statement cycle.
Health Savings Accounts
| Minimum Opening Deposit $50 |
|
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 blue ribbon clients)
- Monthly fee of $2.75
- Check order fee
- $25 closing transfer/rollover fee
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