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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

Online banking will be unavailable on Sunday, February 19, from midnight until 6:00 a.m. All Kentucky Bank ATMs will be unavailable on Monday, February 20, from 1 p.m. – 3 p.m. for maintenance. We apologize for the inconvenience.

Day: Mon - Hour: 09