Checking

Checking with Benefits

Select Checking & Select Interest Checking

Citizens Bank of Kentucky knows that you want savings, convenience and security. That’s why we are offering the Select Checking Account - the account that fits your lifestyle. Enjoy checking with benefits for you and your family.

Financial Benefits

FREE Visa® Debit Card
FREE 24/7 access with Online Banking/Bill Pay
FREE 24/7 telephone banking with your Account on Call
FREE access with Mobile Banking

Insurance Benefit

$10,000 Identity Fraud Expense Reimbursement Coverage*

Restoring one’s name and good credit is time consuming and expensive. Identity theft victims must endure a number of costly steps to re-establish their identities and dispute fraudulent debts and accounts opened by an identity thief. You are protected with up to $10,000 of identity theft coverage to cover expenses incurred in the recovery of a stolen identity...such as lost wages, legal fees, certified mail and long distance charges. Should you become a victim of identity theft, enjoy greater peace of mind knowing you will have the support of a dedicated Case Manager who will work closely with you to fix your credit and guide you through the process of reclaiming your identity, including: obtaining a free credit report from the three major credit reporting agencies; assisting you in placing fraud alerts with all three credit reporting agencies; assisting you with correspondence regarding your identity theft incident and documenting what was found during the recovery process so you’ll have record of your experience.

*Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis, Inc.

Security Benefit

3-in-1 Credit File Monitoring*

Get Triple the Protection! Monitoring your credit report for changes is one of the best ways to combat identity theft and ensure the accuracy of what's being reported about you. Members will be entitled to receive daily credit file monitoring and automated alerts of key changes to their Equifax, Experian and TransUnion credit reports. Members will also receive a free Credit Score and 3-in-1 Credit Report. (Registration/Activation Required)

*Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance Products: Not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate.

Travel & Entertainment Benefits

Entertainment® SaversGuide®

The SaversGuide® Directory lists thousands of hotels and restaurants where you can obtain great discounts just by showing your SaversGuide® Membership Card. The directory also contains discounts to movie theaters and money-saving coupons from top national merchants across the country. To enjoy even more savings, visit the SaversGuide® web link located within the directory. The web site allows you to search for local merchants in your hometown or hotels and merchants at your vacation destination. (Registration/Activation Required)

Gas & Gift Cards

For life on the move - account holders receive 20% savings on Gas and Gift Cards. Cards are convenient to purchase, easy to use and have no hidden fees or expiration dates. (Registration/Activation Required. Terms and Conditions apply.)


Select Interest Checking**

Enjoy all of the benefits of Select Checking, PLUS: Earn Interest if minimum balance exceeds $5,000.


Checking Plus

Checking Plus is overdraft protection available on any Citizens personal checking account. The plus is the peace of mind that comes from knowing “you’re covered.” Download and fill out the application at the link below and return to your nearest Citizens Bank of Kentucky branch.

Features:
PERSONAL checking overdraft protection
FUNDS advanced in $50 increments
Credit Lines from $200 to $5,000
Monthly payments automatically deducted from checking account
Checking Plus Application


Checking Products

Switching is Easy. RSVP today (866) 462-2265 to set up a
switch appointment with a CBK banker.


As noted above, some of the features and benefits provided by Select Checking require registration and activation. Service Charge = $7.95 To reduce or eliminate the service charge: Use your Citizens Bank of Kentucky Visa® Debit Card 20 times per statement cycle - your service charge will be reduced by $4.95. Sign up for eStatements - your service charge will be reduced by $3.00. Do BOTH of the above eliminate the $7.95 service charge completely! Or, maintain a minimum daily balance of $2,500 per statement cycle to eliminate the $7.95 service charge. **Select Interest Checking: Maintain a minimum daily balance of $5,000 per statement cycle to eliminate the $7.95 service charge.