Loan Notice Statement Disclosure
Overdraft Protection
Check Protection*:
Arrangements can be made to automatically transfer funds from one of your other accounts with Kentucky Bank to an account that has an NSF item, for a transfer fee. Please refer to the fee schedule. This service must be set-up in advance of a NSF item transaction. Please speak to your customer service representative about designating which accounts you would like transfers to come to and from.
Private Line*:
An overdraft line of credit requires a contractual loan agreement to be signed and is available to qualifying account holders. NSF items are covered up to the value of the line of credit. Interest is charged on the outstanding balance of the line of credit. Your account can be automatically charged for your minimum monthly payment. Outstanding balances include overdrafts covered, balances from previous months, and interest. If you wish, you may pay your balance in full monthly.
*You may only have one type of overdraft protection.
24 Hour Bookkeeper
Obtain balances, inquire about recent transactions, transfer funds between accounts, and more when you use 24-Hour Bookkeeper. Simply call 1-800-TWO-TONE (1-800-896-8663) to get started. If you are a first time user, the last 4 digits of your social security number will be your PIN.
Online Banking
Manage your money whenever and wherever you want; 24 hours a day, 7 days a week. With Kentucky Bank online banking you can access account information, reconcile accounts, transfer funds and pay bills.
eStatements
eStatements are electronic versions of your original paper statements that you receive through your email rather than the US Postal Service. They look just like your paper statements, yet you’ll receive them much sooner than before. Encryption makes eStatements even more secure than traditional paper statements. Login to your online banking account and follow the instructions to set up your eStatements today!
Kentucky Bank MasterMoney Check Card
You can say good-bye to the hassle of check approval with the Kentucky Bank MasterMoney Check Card, the card that looks like a credit card but works like a check. In addition to giving ATM access, the Kentucky Bank MasterMoney Check Card is accepted at all merchant locations where MasterCard is accepted.
Credit Card
Kentucky Bank offers Visa and MasterCard credit cards. These cards can be used at merchant locations for purchases and at financial institutions and ATM's that display the Visa and MasterCard logos for cash withdrawals.
Pre-paid Gift Card
Kentucky Bank offers pre-paid gift cards, a convenient and safe way to give the gift of money! Visit any Kentucky Bank location to purchase a gift card.
ATM Locations
Your Kentucky Bank ATM card is accepted nationwide.
ATM Foreign Fee Rebates
Make every dollar count! Simply present your ATM receipt to any Kentucky Bank teller, within 30 days of the transaction, and we will rebate your foreign ATM fees (not to exceed $5.00 per transaction). The foreign fee is the amount that another bank charges when you use their non-Kentucky Bank ATM.
Popmoney® - Person-2-Person Payments
The Popmoney® personal payment service lets you send money to friends, family or anyone at all.* All you need is their name and email address or mobile number to move money from your Kentucky Bank account to theirs.
To use Popmoney, login to your Kentucky Bank Online Banking account, then select Popmoney from the Payment Center which is found under Online Bill Pay.
Use the Popmoney mobile app so you can use Popmoney on the go. Available on the App Store and on Android Google Play.
*Terms and Conditions, as well as fees apply.
Transfer Funds
You can automatically transfer funds between accounts on a regular basis. This is an excellent way to save or budget household or college student accounts. Just choose a set amount to be transferred on the same date each month at no charge. The activity will be shown on your monthly statement.
Pay Loans Automatically
Save time and money by having your Kentucky Bank loan payment automatically deducted from your checking or savings account. You can even have your loan payment automatically deducted from other financial institutions.
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