Kentucky sits in the middle of the national picture with 31 certified checking accounts — #29 of the 51 states and territories we track, against a median of 32. 11 come from local or regional institutions and 20 from national banks — a 35% local share, close to the 36% median across the states we track.
20 of the 31 carry a $0 monthly maintenance fee; the 11 that do charge run from $4.95 to $12 a month. 22 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $50. 29 run no overdraft program at all; the other 2 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 11 state-based listings, the most come from First Financial Bank NoWorry, Burke & Herbert Bank & Trust Company and First Harrison Bank.
nbkc bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyRepublic Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyQuorum Federal Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWoodforest National Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankLendingClub
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBurke & Herbert Bank & Trust Company
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankStock Yards Bank & Trust Bank On SYB
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankFirst Financial Bank NoWorry
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyHeritage Bank Heritage Checkless
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyKentucky Farmers Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankTraditional Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Financial Bank NoWorry
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyChase
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDiscover Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBank of America
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlly Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Harrison Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPark National Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyU.S. Bank
Costs you per year
$59.40
$4.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyPNC Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFifth Third Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCity National Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyRegions Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyArmed Forces Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyTruist Confidence
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBMO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyForcht Bank Safety Net
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyOld National Bank
Costs you per year
$83.40
$6.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$144.00
$12.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Apply