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.
SMART + ACCOUNT FEATURES:
- 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
- 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