Bluegrass Rewards Checking and Savings Accounts

Banking that rewards you for everyday transactions

Bluegrass Preferred Interest

If you typically maintain more than $1,200 in your checking account, love earning higher interest, keep track of your accounts online and use a debit card, the Bluegrass Preferred Interest account may be the best account for you!

• Minimum opening deposit: $100.00.
• Minimum daily balance to waive monthly service charge: $0.00.
• Monthly service charge: $0.00.
• Rewards: 5.00% APY* on balances up to $15,000, if qualifications are met. Balances over $15,000 receive 0.15% APY if qualifications are met. If qualifications are not met, all balances earn 0.01% APY.

To qualify 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 digital banking at least once. Bluegrass Rewards Checking account cycle date details are provided below.

Bluegrass Simply Cash Back

If you typically keep less than $1,200 in your checking account, love earning cash back, keep track of your account online and use a debit card, the Bluegrass Simply Cash Back may be the best account for you!

• Minimum opening deposit: $100.00.
• Minimum daily balance to waive monthly service charge: $0.00.
• Monthly service charge: $0.00.
• Rewards: 2.00% cash back on debit card purchases, up to $5.00 per month, if qualifications are met.

To qualify 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 digital banking at least once. Bluegrass Rewards Checking account cycle date details are provided below.

Bluegrass Choice Saver

Bundle the Bluegrass Choice Saver with one of our Bluegrass Rewards Checking accounts, have your rewards transferred to the Bluegrass Choice Saver and watch your money grow. (The Bluegrass Choice Saver is only available when bundled with a Bluegrass Rewards Checking account)

• Minimum opening deposit: $1.00.
• Minimum daily balance to waive monthly service charge: $0.00.
• Monthly service charge: $0.00.
• Withdrawals are limited to six withdrawals per statement cycle.
• Rewards: .50% APY* on balances up to $50,000 if the bundled Bluegrass Rewards Checking account qualifications are met. Balances over $50,000 receive 3.00% APY* if the bundled Bluegrass Rewards Checking account qualifications are met. (The qualification details for each Bluegrass Rewards Checking account are listed above.) If qualifications are not met in the bundled Bluegrass Rewards Checking account, all balances in the Bluegrass Choice Saver earn 0.01% APY.

*APY=Annual Percentage Yield

APY accurate as of 04/16/2025. Rates may change after the account is opened.

 Interest Checking Account

• Minimum opening deposit: $100.00.
• Minimum daily balance to waive monthly service charge: $1,000.00.
• Monthly service charge: $8.00.
• Minimum daily balance to earn interest: $1,000.00. (Contact us to obtain the current annual percentage yield. Fees may reduce earnings.)

The complimentary services that are provided with our checking accounts include:

• Online & Mobile Banking, including Mobile Deposit!
• Online Bill Pay
• Peer-to-Peer Payments (P2P)
• Digital Wallet for your phone with Apple®, Samsung® and Google Pay™
• Instant Issue Debit Cards
• e-Statements with online check images
• EZSwitch concierge service powered by Clickswitch®
• Access to over 55,000 Surcharge Free Allpoint® ATMs nationwide
• Notary Services

Ancillary services are subject to additional terms and conditions and/or fees including internet provider and data charges.

Click Here to learn more about other digital services we offer.