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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.


  • $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 fee of $4.00
  • Receive monthly refunds, not to exceed the monthly service fee of $4, for the following services:
    • Monthly direct deposit refund = $2.00
    • eStatement refund = $2.00
    • Student (under age 23) refund = $2.00

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: 10