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All Personal Accounts

All Personal Accounts

Choose your style Kasasa Cash Kasasa Cash Back Kasasa Saver Interest Checking Money Market Premier Money Market HSA General Savings
Minimum opening deposit $100.00 $100.00 $1 (requires Kasasa checking) $0.00 $0.00 $0.00 $0.00 $0.00
Minimum to waive monthly service charge $0.00 $0.00 $0.00 $1,000.00 $2,500.00 $10,000.00 $250.00 $100 (or $0 if under age 18)
Monthly service charge $0.00 $0.00 $0.00 $8.00 $10.00 $10.00 $3.00 $3.00 per quarter
Rewards* (see rate sheet & qualifications) High Interest 3% cash back on POS purchases High Interest          
Earns Interest (see rate sheet)       Yes, Tiered Yes, Tiered Yes, Tiered Yes, Tiered Yes
Minimum balance to obtain the disclosed annual percentage yield       $1,000.00 $2,500.00 $10,000.00 $1,000.00 $100.00
Limited number of withdrawals None None 6 per month None 6 per month 6 per month None 6 per quarter
Excess withdrawal fee None None None None $5 per excess withdrawal $5 per excess withdrawal None $1 per excess withdrawal
Non-Bank of the Bluegrass ATM Fee Refunds* Up to $20 per mo., $4.99 per transaction Up to $20 per mo., $4.99 per transaction            
Statement type(may combine multiple accounts) E-statement E-statement E-statement E-statement or paper E-statement or paper E-statement or paper E-statement E-statement or paper

Added Free Services

Choose your style Kasasa Cash Kasasa Cash Back Kasasa Saver Interest Checking Money Market Premier Money Market HSA General Savings
Debit card Instant issue Instant issue Instant issue Instant issue Instant issue Instant issue Instant issue With Checking
Fraud protection Card Sentry Card Sentry Card Sentry Card Sentry Card Sentry Card Sentry Card Sentry Card Sentry
Automatic savings Swipe N Save

Rewards credited to Saver
Swipe N Save

Rewards credited to Saver
  Swipe N Save        
Online Banking Available Available Available Available Available Available Available Available
Online Bill Pay Available Available Available Available Available Available Available Available
Online Money Management My Money My Money My Money My Money My Money My Money My Money My Money

*To qualify for Kasasa Rewards each monthly qualification cycle; Have at least 12 debit card purchases that post and settle; be enrolled and receive E-statements; be enrolled and log into online banking.

Interest Checking

Avoid an $8.00 service charge and start earning interest when you maintain the daily balance of $1,000 or more for unlimited check writing, Internet Banking with Online Bill Pay and Debit Card access.

Our responsive online banking, allows you to access your account via Desktop, Phone, iPadĀ® or Tablet 24/7. Also enjoy the added convenience of viewing all of your financial accounts in one place with My Money, a Personal Financial Management Tool available when you log into your Internet Banking Account.


Premier Money Market

Maintaining a daily balance of $10,000 or more during the statement cycle avoids a $10.00 service charge and earns interest at the tiered Money Market Rate. Withdrawals are limited to six withdrawals per month. An excess withdrawal fee of $5.00 per withdrawal is applicable if this limit is exceeded.


Money Market Account

Maintaining a daily balance of $2,500 or more during the statement cycle avoids a $10.00 service charge and earns interest. Withdrawals are limited to six withdrawals per month. An excess withdrawal fee of $5.00 per withdrawal is applicable if this limit is exceeded.


Health Savings Accounts

When a Health Savings Account is what you are looking for, we offer an affordable solution!

Simply maintain a daily balance of $250.00 or more during the statement cycle to avoid the $3.00 service charge. The account starts earning interest when your balance reaches $1,000 or more.

This account comes with E-statements, a debit card and free online banking with bill pay.


Savings Accounts

By maintaining the daily balance of $100.00 or more during the statement cycle to earn interest, you will avoid the $3.00 quarterly service charge. Withdrawals are limited to six withdrawals per quarter. An excess withdrawal fee of $1.00 per withdrawal is applicable if this limit is exceeded.

The service charge will be waived while account holders are under 18 years of age.

Disclosure of Account Terms:

The following applies to all interest bearing accounts - We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (ex: checks). Interest is compounded monthly and is credited to the account monthly. Interest on savings is compounded and credited quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

The following also applies to Premier and Money Market accounts - You may make six (6) transfers from your account each four (4) week or similar period by check, debit card or similar order including by preauthorized or automatic transfer, or by telephone (including data transmission) agreement, or instruction to third parties. Transfers or withdrawals made to another account of the same depositor at the same bank, if made by preauthorized or automatic transfer, telephone (including data transmission) agreement or instruction are also included.

Reg. GG Account Disclosure - (Unlawful Internet Gambling Enforcement Act Policy Disclosure) June 1, 2010-In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful internet gambling.