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Loan Products | Other Services | Term Life Insurance

FREE Checking

• No Service Fee
  
• No Minimum Balance
  
• No Minimum to Open
  
• Unlimited Check Writing

FREE Student Checking
Open your account with a valid student ID and we'll take $15 off your first order of checks*.

• No Service Fee
  
• No Minimum Balance
  
• No Minimum to Open
  
• Unlimited Check Writing
  
• "Oops" card included +
  
• Up to $35 in incoming wire fees waived

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Interest Checking
Maintain a balance of $1,000 or more and:

• Earn interest
• Unlimited Check Writing
• Receive Check Image Statements
• Avoid a $8 monthly service fee
• Open with $1,000 to avoid service fee

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Privileged Checking
Maintain a deposit balance of $2,500 or more in any combination of CDs, IRAs, Money Market, Checking or Savings and:

• Avoid $10 Service Fee
  
• Unlimited Check Writing
  
• Receive Check Image Statements
  
• Maintain a minimum balance of $1,000 and earn interest
  
• 1-year free Safe Deposit Box
  
• 120 checks per year
  
• Free Traveler's Checks
  
• Free Cashier Checks
  
• Free Money Orders
  
• Free Estate Planning consultation
  
• Free Photocopy Service
  
• Free Notary service

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General Savings
Maintain a balance of $100 or more and:

• Earn Interest
• Avoid $3 quarterly service fee
• Six withdrawals permitted per quarter
• $1 per excess withdrawal charged

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Youth Savings - for those 17 & under:

• No service fees
  
• Maintain a $25 balance to earn interest
  
• Six withdrawals permitted per quarter
  
• $1 per excess withdrawal charged

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Money Market Account
Maintain a balance of $2,500 or more and:

• Earn Interest
  
• Avoid $10 monthly service fee
  
• Image Statements available
  
• Six withdrawals permitted per month (includes 3 checks max. to 3rd party)
  
• $5 per excess withdrawal charged

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Premier Market Account
Maintain a balance of $10,000 or more and:

• Earn Interest (Tiered interest rates)
  
• Avoid $10 monthly service fee
  
• Open with $10,000 to avoid service fee
  
• Six withdrawals permitted per month (includes 3 checks max. to 3rd party)
  
• $5 per excess withdrawal charged
  
• Image Statements available

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Health Savings Checking Accounts 

• No minimum to open
• No minimum balance
• No service charge
• Unlimited check writing
• Free debit card
• Free internet banking
• Starts earning interest at $1,000

Health Savings Certificate of Deposit Account

• $2,000 minimum to open*
• Earn higher rate of interest for money not currently using in checking account

*CD is not a transactional account and withdrawals prior to maturity date of CD are subject to penalties

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Click here for current rate information

Other Products & Services

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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, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.

+ The "Oops" card allows a five-time service fee refund of overdraft or returned item fee, overdraft protection transfer fee, stop payment fee, or non Bank of the Bluegrass & Trust Co. ATM fee. Valid for three years from date of issuance.

* Valid only for new personal checking accounts opened with a valid college ID, or proof of enrollment. Offer is equivalent to cost of one basic order of Deluxe checks at account opening. No cash will be given with this offer.

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