All checking accounts receive monthly statements with images of your checks and deposits. Your statement will detail all activity in your account. Your other accounts, such as savings, loans, and certificates of deposit will also be shown on your combined statement, if requested.

eStatements

eStatements are electronic versions of your original paper statements that you receive through your email rather than the US  Postal Service.  They look just like your paper statements, yet you’ll receive them much sooner than before.  Encryption makes eStatements even more secure than traditional paper statements.  Login to your online banking account and follow the instructions to set up your eStatements today!

Account	Description	Minimum to Open	Interest Bearing
Simply Free Checking	Zip...Zero...Zilch Simply free checking at Kentucky Bank is, well....Simply Free!	$100	No
Kentucky's Best Checking	Age has its privileges and Kentucky's Best is one of them. For customers 50 or better, the account will not have a monthly service fee or minimum deposit requirement.	$100	Kentucky's Best has the option of being combined with Premium Checking to earn interest.
Kentucky's Preferred Checking	This checking account will earn interest with balances of $2,500 and will not have a monthly service fee when total monthly deposits of $15,000 in related accounts or $2,500 in Kentucky's Preferred account are maintained. A Kentucky Bank credit card with no annual fee is available upon approval.	$2,500	Yes
Premium Checking	Earn interest on an individual checking account by maintaining a $1,000 balance. Customer can write as many checks a month as needed at no extra charge.	$1,000	Yes
Money Market Checking	Kentucky Bank's Money Market checking account pays interest and offers the ability to write up to three checks per month. Deposit balances determine interest rates.	$1,000	Yes
The Plus Package	The perfect way to make banking easier. Kentucky Bank's Plus Package is a package that can be available for all checking accounts offered by Kentucky Bank. The plus package includes cost savings for the customer on many bank convenience services.

Simply Free Checking

Minimum Opening Deposit $100

Zip...Zero...Zilch
Simple free checking at Kentucky Bank is simply free!

• No monthly maintenance fees
• No minimum balance
• No limit on the number of checks you can write

Kentucky's Best Checking

Minimum Opening Deposit $100

Age has its privileges and Kentucky's Best is one of them. If you are 50 or better, your account will not have a monthly service fee or minimum deposit requirement.

• No monthly service fee
• No minimum balance required
• 0.10% extra on Certificates of Deposit
• Free Kentucky Bank checks or a discount on any other style
• 50% discount on safe deposit box
• Unlimited cashiers checks
• Unlimited travelers checks
• Unlimited notary service
• Unlimited statement copies
• No annual fee on Kentucky Bank credit card, upon approval
• Free check card
• Free photo copy service

Kentucky's Preferred Checking

Minimum Opening Deposit $2,500

We want you to know we appreciate your business. Your checking account will earn interest with balances of $2,500 and will not have a monthly service fee when you keep total monthly deposits of $15,000 in related accounts* or $2,500 in your Kentucky's Preferred account. A Kentucky Bank credit card with no annual fee is available upon approval.

• $100 minimum deposit to open account
• To avoid service fees, maintain a minimum of $2,500 in the Kentucky's Preferred checking account OR $15,000 in total deposit balances
• $12.50 monthly service fee if minimum monthly balances are not met
• ATM access
• Kentucky Bank check card
• Monthly statement with images of checks and deposits  

*A related account is defined as two or more accounts with the same title of ownership.

Money Market Checking

Minimum Opening Deposit $1,000

Our Money Market checking account pays interest and offers you the ability to write up to three checks per month. Deposit balances determine interest rates.

• $1,000 minimum deposit to open account
• $1,000 minimum monthly balance to avoid service fees
• $8 service fee if daily balance is below $1,000
• Interest is earned on average collected daily balance
• Interest is compounded and paid monthly
• Interest is earned each day the balance is $1,000 or more
• ATM access
• Kentucky Bank check card
• Check writing and withdrawal limitations: Regulations permit 6 transfers and withdrawals per statement cycle; up to 3 transactions may be made by check, draft or debit card, the remainder may be pre-authorized (automatic) transfers
• Monthly statement with images of checks and deposits  

Plus Package

The Plus Package is available on almost any checking account.  The Plus Package includes cost savings on bank services.

• Plus Check Card - use this card up to three times a month at a foreign ATM with no Kentucky Bank fee
• Free Kentucky Bank checks or a discount on any other style
• 50% discount on safe deposit box
• Unlimited cashier checks, travelers checks, notary service, statement copies
• Kentucky Bank credit card with no annual fee, upon approval
• Free online banking access
• Free photo copy service
• Free Bill Pay
• The Plus Package is only $6 per month with your checking account.

Premium Checking

Minimum Opening Deposit $1,000

Earn interest on your individual checking account by maintaining a $1,000 balance.*  You can write as many checks a month as you need at no extra charge.

• $1,000 minimum deposit to open account
• $1,000 minimum monthly balance to avoid service fees
• $8 service fee if daily balance is below $1,000
• Interest is earned on average collected daily balance
• Interest is compounded and paid monthly
• Interest is earned each day the balance is $1,000 or more
• ATM access
• Kentucky Bank check card
• Monthly statement with images of checks and deposits

*Not available to Partnerships or Corporations.