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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. Switching to Kentucky Bank from another bank or credit union? Check out this easy switch guide to help you with the process. 

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
Check discount (basic check design) : Active military & veterans eligible for one free order per year (patriotic check design).
 
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) : First order free. Active military & veterans eligible for one free order per year (patriotic check design).
 
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) : Two free orders per year. Active military & veterans eligible for two free orders per year (patriotic check design).
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 – The maximum combined refund will not exceed the monthly service charge. (The following refunds are available on active accounts only)

 

Direct deposit refund
eStatement refund
Military refund (active & veteran)
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)
Military refund (active & veteran) : ($4.00)
Student refund (under age 23) : ($2.00)
 
 

SMART ACCOUNT

Direct deposit refund : ($2.00)
eStatement refund : ($2.00)
Military refund (active & veteran) : ($4.00)
Student refund (under age 23) : ($2.00)
 
 

SMART+ ACCOUNT

Direct deposit refund : ($2.00)
eStatement refund : ($2.00)
Military refund (active & veteran) : ($4.00)
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
Money Market Accounts
Our Money Market checking accounts are interest-bearing with the ability to write up to three checks per month.
$1,000 to open

 

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