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Health Savings Account (HSA)

Potential customers: Individuals who are under the age of 65 and are covered by a High Deductible Health Plan qualify for our Health Savings Account (HSA). They cannot be covered by other health insurance or enrolled in Medicare. They cannot be claimed as a dependent on someone else’s tax return. Click here to view the HSA tutorial.

Health Savings Account Details

  • $50 minimum opening deposit
  • No minimum balance required
  • No Kentucky Courtesy coverage or overdraft privileges
  • Accessible by online banking, bill pay and eStatements
  • Unlimited transactions
  • Earns a variable rate of interest, compounded daily and paid monthly on collected balances
  • Funds can be accessed by debit card, check and bill pay
  • $10 set up fee (except Kentucky Bank Employers Club clients)
  • Monthly service charge of $2.75 (waived, if enrolled in eStatements)
  • Check order fee
  • $25 closing transfer/rollover fee

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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