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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 refunds for the monthly service charge.


  • Rewards Debit Card or ATM Card
  • 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)
  • First order of basic style checks is free
  • One simple, combined monthly statement
  • Unlimited check writing and transfers
  • $25 opening deposit
  • Monthly service charge of $4
  • Your Smart Account reimburses your monthly charge for several different activities. See which activities apply to you. Refunds cannot exceed monthly service charge of $4.
    • Direct Deposit Refund = $2 refund
    • eStatement Refund = $2 refund
    • Student Refund (under age 23) = $2 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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