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To apply, simply print the application, fill out the applicable information requested, and bring to your local Kentucky Bank. Our Retail Bankers will be glad to assist you.
At Kentucky Bank, we offer a choice of checking accounts. We believe every customer should have a choice, because one checking account does not fit every lifestyle. Whether selecting a new checking account or reevaluating your current needs, this listing of accounts is provided to assist you.
All checking accounts receive monthly statements with images of your checks and deposits. Your statement will detail all activity in your account. Your other accounts, such as savings, loans, and certificates of deposit will also be shown on your combined statement, if requested.
Occasionally, you may have expenses that are too large for your checking account to absorb. We recognize this and want to make it easier for you to handle these items by offering overdraft protection. We also offer overdraft protection through a Private Line. Private Line will extend an unsecured line of credit (based on your approved limit). Private Line is connected to a checking account so that overdrafts are automatically covered, up to your established limit.
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!
Simply Checking
| Minimum Opening Deposit $100 |
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Simply Checking at Kentucky Bank
- No monthly service charge
- No minimum balance
- No limit on the number of checks you can write
Kentucky's Best Checking
| Minimum Opening Deposit $100 |
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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 |
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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 |
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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
- 50% discount on 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.
Premium Checking
| Minimum Opening Deposit $1,000 |
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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.
Health Savings Accounts
| Minimum Opening Deposit $50 |
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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 and bill pay
- $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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