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Basic Savings

A Kentucky Bank Basic Savings Account is a great way to start a savings program.

Basic Savings Details

  • Interest is earned on average daily balance. It is compounded daily and paid monthly.
  • ATM access
  • Quarterly statement*
  • Fees are based on the balance for the calendar month
  • If daily balance falls below $100, you will be charged a $2 monthly service charge**
  • You may make up to 4 withdrawals per month at no charge. Excess withdrawals over 4 will be performed at a charge of $10.00 each. Not included in the four (4) withdrawals are safe deposit box payments, loan payments, check protection transfers, wire transfers, and ATM withdrawals.
  • Variable interest rate

Withdrawal limitations:  Regulation permits no more than six (6) combined withdrawals and/or transfers per month or statement period by means of a preauthorized or automatic transfer (e.g., automatic payments to an insurance company), drafts, telephone or online transfers, debit card, or check (for accounts with check privileges).  Transfers to other Kentucky Bank accounts are counted as part of the six transaction limitation.  Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited. Excess withdrawals over four (4) will be performed at a charge of $10.00.
*Monthly statement only applies when there are automatic transfers, ATM transactions or if customer receives a combined account statement.
**Service charge will be waived for the first month the account is opened. After account has been open for a month and daily balance falls below $100, the $2 service charge will apply.

You may be aware that Equifax was breached. To learn more, please visit https://www.equifaxsecurity2017.com. 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 https://www.mastercard.us/en-us/consumers/payment-technologies/id-theft-protection.html

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