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Checking

Use the comparison chart below to determine which checking account best suits your financial needs. Our Smart eAccount is a great account for those that are always on the go. If you’re busy and just can’t make it to the bank, you can open your account online—anytime and anywhere. Our Smart Accounts will help you get the most out of your finances. All three of our Smart checking accounts automatically recognize the activities in your account which will earn fee refunds.

Compare Our Most Popular Accounts

 

eStatements or paper statements
Online, mobile, and 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)
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
Interest (tiered $5,000 or greater)
Monthly service charge

SMART eACCOUNT

$25 Min Deposit
eStatements or paper statements
Online, mobile, and tablet banking
Account alerts (text and email)
Online bill payment
Person-to-Person payments (Popmoney)
Debit card
Debit card rewards
Check writing
 
 
Non-Kentucky Bank ATM fees refunded (Present receipt within 30 days of transaction, up to $5 per transaction)
 
 
Monthly service charge: $4.00

SMART ACCOUNT

$25 Min Deposit
eStatements or paper statements
Online, mobile, and 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
 
Non-Kentucky Bank ATM fees refunded (Present receipt within 30 days of transaction, up to $5 per transaction)
 
 
Monthly service charge: $4.00

SMART+ ACCOUNT

$25 Min Deposit
eStatements or paper statements
Online, mobile, and 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) : 2 Free Orders Per Year
Non-Kentucky Bank ATM fees automatically refunded (Up to $25 per month)
 
Safe Deposit Box discount : 50% Discount
Interest (tiered $5,000 or greater)
Monthly service charge: $12.00

 

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

 

Direct deposit refund
eStatement refund
Student refund (under age 23)
Average account balance refund ($1,500)
Total deposit relationship refund ($30,000)

SMART eACCOUNT

Direct deposit refund : ($2.00)
eStatement refund : ($2.00)
Student refund (under age 23) : ($2.00)
 
 

SMART ACCOUNT

Direct deposit refund : ($2.00)
eStatement refund : ($2.00)
Student refund (under age 23) : ($2.00)
 
 

SMART+ ACCOUNT

Direct deposit refund : ($2.00)
eStatement refund : ($2.00)
Student refund (under age 23) : ($2.00)
Average account balance refund ($1,500) : ($8.00)
Total deposit relationship refund ($30,000): ($8.00)

 

Additional Checking Accounts

PaySmart
A checking account with no bank overdraft fees ever! You may also get up to a $1,000 credit line with no credit score required.
$0 to open
Opportunity Checking
If you've been unable to open a checking account due to prior credit or banking history, we may be able to help.
$25 to open
Health Savings Account
A tax-advantaged medical savings account that earns interest.
$50 to open

 

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