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SMART + Account

Your SMART + Account will help you get the most out of your finances and your checking account by automatically recognizing the activities in your account that earn you refunds.


  • Debit Card Rewards
  • Automatic reimbursement of ATM fees from any non-Kentucky Bank ATM. Automatic refunds up to $25 monthly in ATM fees, including the Kentucky Bank fee and other bank’s fee.
  • Online Banking
    • Customizable account alerts (text and email).
    • Person to Person payments (Popmoney)
    • Unlimited bill payment
    • Express funds transfer
    • eStatements or paper statements
    • Images of all cleared checks
    • Transaction history and current balance
    • Personal finance tools (pull reports and customize transaction labels)
  • Two free orders of basic style checks annually
  • 50% discount on Safe Deposit Boxes
  • One simple combined monthly statement
  • Unlimited access
    • Check writing
    • Transfers
  • The variable interest rate earned in your Smart + Account will automatically adjust depending on your average monthly balance each statement cycle. Please contact a Kentucky Banker for current rate information.
    • $5,000 – $7,499
    • $7,500 – $9,999
    • $10,000 and above
  • Minimum opening deposit of $25
  • Monthly service charge of $12
  • Your Smart + account refunds your monthly fees for several different activities. See which applies to you. Refunds cannot exceed monthly service charge of $12.
    • Direct Deposit Refund = $2 refund
    • eStatement Refund = $2 refund
    • Student Refund (under age 23) = $2 refund
    • Average Account Balance Refund when you maintain an average balance of $1,500 in the account = $8 refund
    • Total Deposit Relationship Refund when you maintain an average balance of $30,000 in all of your deposit accounts = $8 refund

You may be aware that Equifax was breached. To learn more, please visit Please notify us if you see anything that looks fraudulent on your account. Kentucky Bank debit card and other MasterCard customers may also sign up for free ID theft monitoring by visiting

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