Checking

Kentucky Farmers Bank has been a growing bank since 1931...

... and we would love to have you join us! In order to qualify for an account with us we will need an opening deposit and two forms of ID as well as a clear history on ChexSystems.  

You may view a list of our accepted forms of ID's for either individuals, businesses or entities here.

Hometown Checking

Our standard checking account. 

  • $50.00 minimum opening deposit
  • No minimum balance
  • Unlimited check writing
  • No monthly service fee
  • Free monthly statement (no check images - $2.00 a month with images)
  • Free online banking
  • Free bill pay
  • Unlimited debit card transactions
  • Unlimited KFB owned ATM transactions or Money Pass ATM transactions
  • Non KFB owned or Money Pass ATM transaction fees are $1.00 for each withdrawal and $.50 for each balance inquiry
  • 55 and over receive free specialty paper single checks
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Hometown Checking – PLUS 

Our bonus checking account for customers with two or more KFB products. 

  • $50.00 minimum opening deposit           
  • No minimum balance
  • Unlimited check writing
  • No monthly service fee
  • Free monthly statement with check images
  • First check order free- specialty paper, single checks (1 box)
  • Free online banking
  • Free bill pay
  • Unlimited debit card transactions
  • Unlimited KFB owned ATM transactions or Money Pass ATM transactions
  • Non KFB owned or Money Pass ATM transaction fees are $1.00 for each withdrawal and $.50 for each balance inquiry
  • One free card replacement upon request
  • Sweeps from other accounts available for a $10.00 fee
  • 55 and over receive free specialty paper, single checks

*Must have direct deposit, KFBillPay, AFT or two other KFB products to qualify for Hometown Checking - Plus

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Business Checking

For our LLC, LLP, Partnership, Proprietor, Corporation, Association, and other business related customers.

  • $100.00 minimum opening deposit
  • Unlimited check writing
  • No monthly service fee for balances over $500.00
  • $3.00 monthly service fee for balances of $300.00 to $499.00
  • $4.00 monthly service fee for balances of $100.00 to $299.00
  • $5.00 monthly service fee for balances under $100.00
  • Unlimited debit card transactions
  • Unlimited KFB owned ATM transactions or Money Pass ATM transactions
  • Non KFB owned or Money Pass ATM transactions fees are $1.00 for each withdrawal and $.50 for each balance inquiry
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Hometown Interest Checking

Our checking account for our most stable customers looking to earn interest on their checking account.

  • $1,000.00 minimum opening deposit *
  • Tiered rates
  • No monthly service fee if monthly average balance is above $1,000.00 ($10.00 if below)
  • Unlimited check writing
  • Free monthly statement with check images
  • Free specialty paper, single checks (1 box per order – 2 box a year limit)
  • Unlimited free Cashier’s Checks
  • Free online banking
  • Free bill pay
  • Unlimited debit card transactions
  • Unlimited KFB owned ATM transactions or Money Pass ATM transactions
  • Non KFB owned or Money Pass ATM transaction fees are $1.00 for each withdrawal and $.50 for each balance inquiry
  • Free card replacements upon request
  • Sweeps from other accounts available for a $10.00 fee

*waived with direct deposit

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BankOn Checking 

KFB is a member of BankOn Northeast Kentucky which provides financial education and second chances to those with poor or limited credit history. Upon completion of a free Money Matter$ class, a BankOn Checking account may be opened for you:

  • Low opening deposit - $50.00
  • No minimum balance requirement
  • No monthly fee
  • Customers pay for checks
  • Forgiveness of one set/day of overdraft or NSF fees
  • Alternative IDs are acceptable
    (CAReS in the Neighborhood will assist with a state issued ID for those who qualify)
  • Free ATM card, upgradeable to a debit card (upon request) after one year of positive account history
  • Free online banking and BillPay

*Fraud cases are not eligible for this account.

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