Checking Accounts

Checking Accounts EZAccess Basic Account Encore Interest Checking Premier Members Service First
Minimum Opening Deposit $50 $50 $50 $50 $50 $50
Interest Paid No No No Yes Yes No
Transaction Limit No No No No No No
Monthly Service Charge None $3 if below the minimum of $300 $10 without Direct Deposit or
$8 with Direct Deposit
$10 if below the minimum ledger balance of $1,000 $5 - see details below on how combined deposit relationship
ledger balances of $10,000 can avoid the service charge.
None

Convenience Banking services available: online banking, mobile banking and bill pay.

Visa Debit Card.

Check images returned with all statements.

eStatements are available.

EZAccess

Makes it easy to bank with us anytime, anywhere

  • No minimum balance requirement
  • No monthly service change
  • Paper statements available; $5 paper statement fee per month
  • Up to four (4) ATM surcharges waived per calendar month (A surcharge is a fee the ATM owner charges for using its ATM machine. This fee does not apply to ATMs of Farmers Bank & Capital Trust Co., United Bank & Trust Co., First Citizens Bank, and Citizens Bank of Northern Kentucky.)
  • No foreign transaction fees for use of other bank ATMs (The fee we assess for using ATMs not owned by us.)
  • One NSF returned item fee or overdraft fee refunded upon request within a 12-month period

Basic Account

  • Minimum ledger balance requirement to avoid a service charge - $300
  • Below required minimum ledger balance on any day of the statement cycle - $3 monthly service charge

Encore

For those seeking a fresh start with banking 

  • $8 per month service charge with direct deposit
  • $10 per month service charge without direct deposit
  • Unlimited check writing
  • If in a consecutive 18 month period after account opening, you have no more than 5 overdrafts/NSF items and no charge-offs, you can convert to one of our other checking accounts. We will notify you by letter when your account has reached this status. We will not automatically change your account; you are responsible for contacting us to change your account.

Interest Checking

Offers the opportunity to earn interest on your checking account balance

Available only to individuals.

  • Minimum ledger balance requirement to avoid a service charge - $1,000
  • Below required minimum ledger balance on any day of the statement cycle - $10 monthly service charge

Premier Members

Loaded with “premier” services to fit your busy lifestyle

  • $5 monthly fee**
  • Imaged checks returned with statement
  • Unlimited check writing
  • Personalized checks - one order of checks per year 
  • 50% discount on safe deposit box rental (one box)
    50% discount on cashier’s check fees
    50% discount on stop payment fees
    $10,000 accidental death & dismemberment insurance
    Identity IQ and Identity Theft 911
    Prescription drug, hearing instruments, and eyewear discounts
    Travel and shopping discounts available through Savings Made Easy SaversGuide®

​**A monthly service charge of $5 will be assessed each statement cycle if your Premier Members account falls below $10,000 on any day during the statement cycle. If on the statement cycle date of your Premier Members account, the minimum balance in your Premier Members account plus the combined ledger balances in all other deposit accounts is $10,000 or above, the $5 service charge will not be assessed. Other deposit accounts include checking, savings, certificates of deposit and IRAs.

Service First

For active-duty service members or those who have served in the military. Proof of service such as (but not limited to) DD214 form, VA card, American Legion or VFW membership card should be presented.

  • No minimum balance requirement
  • No monthly service charge
  • Paper statements available; $5 paper statement fee per month
  • Up to ten (10) ATM surcharges waived per calendar month (A surcharge is a fee the ATM owner charges for using its ATM machine. This fee does not apply to ATMs of Farmers Bank & Capital Trust Co., United Bank & Trust Co., First Citizens Bank, and Citizens Bank of Northern Kentucky.)
  • No foreign transaction fees for use of other bank ATMs (The fee we assess for using ATMs not owned by us.)
  • 50% discount on safe deposit box rental (one box)
  • 50% discount on cashier’s check fees
  • 50% discount on stop payment fees
  • Service First design checks available at reduced cost