• No minimum balance requirement
• Free wallet-style checks
• Discount on safe deposit box rental
• Up to $10,000 Accidental Death & Dismemberment insurance
• Cellular Telephone Protection¹
• IDProtect®²*: Identity Theft Monitoring and Resolution Services
• Travel and Leisure Discount Membership*
• $hopping Rewards*
• Discounted Gas and Gift Cards*
• eStatement
• Visa®Debit Card
• Save the Change Round Up available**

All of these benefits and more for the low monthly membership of only $6.95!

Star Rewards Member Benefits Overview

Online Access for Star Rewards Members

*Registration/activation required

1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

2 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

**Must enroll. Terms & conditions apply.

• No minimum balance requirement
• No monthly service fee
• eStatement
• Visa® Debit Card
• Save the Change Round Up available*

*Must enroll. Terms & conditions apply.

• No minimum balance requirement
• No monthly service fee
• Free wallet-style checks
• eStatement or paper statement
• Visa® Debit Card
• Save the Change Round Up available**

*Must be 50 or better.

**Must enroll. Terms & conditions apply.

The Platinum Service checking account is designed to reward our customers for their total deposit relationship at First Kentucky Bank. Platinum Service Checking is the right option for any customer with Certificate of Deposit (CD) and/or Individual Retirement Account investments over $5,000.

• Interest is earned on the daily balance
• Higher interest rate earned on accounts with balances of $1,500 or more
• No minimum balance requirement
• Unlimited check writing privileges
• Penalty-free withdrawals from all CDs for medical needs
• Free wallet-style Platinum Service checks
• Free cashier’s checks
• Discount on safe deposit box rental
• Stop payments at no issue charge
• eStatement
• Visa® Debit Card
• Save the Change Round Up available**

Platinum Service Checking benefits are provided at no monthly service fee for members who maintain a minimum $5,000 total deposit relationship; otherwise, the monthly membership fee is $8.00.

The membership fee of $8.00 will be assessed every monthly statement cycle if the combined balance of deposit accounts falls below $5,000.00 on any day of the statement cycle.

Fees could reduce account earnings.

**Must enroll. Terms & conditions apply.

Do you typically keep a higher checking account balance? The Interest Checking option is designed for the customer who wants basic, no-nonsense checking — with interest.

• Interest earned on balances of $500 or more
• Earns an even higher rate on balances of $1,500 or more
• Interest paid monthly
• Monthly service fee of $7.50
• eStatement
• Visa® Debit Card
• Save the Change Round Up available**

The monthly service fee on the Interest Checking account can be waived if:*

• you maintain a minimum daily balance of $500 or more
• you maintain a minimum daily balance of $1,000 in your Statement Savings account
• your Certificate of Deposit (CD) balance with First Kentucky Bank is $5,000 or more

* Accounts that fall below the minimum balance requirements are assessed a monthly service fee of $7.50. Fees could reduce account earnings.

**Must enroll. Terms & conditions apply.

Bright Start is designed for individuals that have experienced difficulties maintaining a checking account in the past. If you’re looking for a “Bright Start”, then this account could be for you!

• No minimum balance requirement
• $7.50 monthly service fee*
• First 50 wallet-style checks free
• eStatement
• ATM Card

*Bright Start customers who attend a financial workshop will receive a maximum refund of six months’ monthly service fees for accounts in good standing. After the customer’s account is in good standing for six consecutive months, the customer can upgrade.