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SMART eAccount

This SMART eAccount is available for customers that are always on the go; it doesn’t matter where you are or where you are going. If you are busy and just can’t make it to the bank, you can open your account online. Apply now!


  • $25 minimum opening deposit
  • No minimum balance required
  • Receive eStatements
  • Unlimited transfers and withdrawals
  • Free Online Banking and Bill Payment
  • Access to free Mobile Banking
  • Monthly service charge of $4.00
  • Receive monthly refunds, not to exceed the monthly service charge of $4, for the following services:
    • Monthly direct deposit refund = $2.00
    • eStatement refund = $2.00
    • Student (under age 23) refund = $2.00

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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