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Personal Banking


Overdraft Protection

Occasionally, you may have expenses too large for your checking account to absorb. How do we handle an item presented for withdrawal on your account when there are insufficient funds in your account to cover the transaction? A non-sufficient fund item (NSF item) is a transaction on your account where the amount of the transaction is greater than the available balance in your account. We offer three types of overdraft protection coverage.

Kentucky Courtesy* This program is a discretionary, non-contractual courtesy for qualified account holders, payment of your NSF item is NOT guaranteed. Based on your deposit history, we MAY approve your overdrafts. The approved deficit balance range is $100 up to $750, including our standard Overdraft Fee per item presented, as applicable (see Discretionary Overdraft Policy on reverse side for specific details).

Check Protection*
Arrangements can be made to automatically transfer funds from another Kentucky Bank account of yours 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 Telephone Banking 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. You may change your password once you are in the system.

Online Banking

Online Banking allows you to manage your money whenever and wherever you want. You can conduct a variety of banking activities-FREE of charge! Access your checking, savings, loans, and more. You can set up one-time and recurring transfers between accounts. This is an excellent way to save or budget household or college student accounts. You may choose a set amount to be transferred monthly, biweekly, weekly, and more. Pay your Kentucky Bank loan payment electronically by deducting it from your checking or savings account. All activity will be shown on your monthly statement. 


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 these instructions to set up your eStatements today!


Debit Card

Your debit card is the easiest, fastest way to access your Kentucky Bank checking account. In addition to giving you ATM access, the Kentucky Bank debit card is accepted at all merchant locations where the MasterCard symbol is displayed. The amount of your purchase is deducted from your checking account.

Card Alert Notification Learn how to protect your Debit or ATM card. 

Credit Card

Credit cards are available as a VISA or MasterCard. These cards can be used at merchant locations for purchases and at financial institutions and ATMs 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 and each Kentucky Bank location has access to an ATM with several off-site Kentucky Bank ATMs available for you. Click here for a full list.

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. This is available through online banking. 
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