Extreme Checking Details

Personal accounts only. Ask a banker for details. Terms and conditions are subject to change. Account opening subject to approval.

Accounts will be charged the standard Overdraft fee of $36 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $36 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours if you default on any loan or other obligation to Stock Yards Bank & Trust or if your account is subject to any legal or administrative order or levy.

1. Extreme Rate 5.00% Annual Percentage Yield (APY) paid on balances between $0.01 and $10,000.00, and 0.10% APY paid on all balances $10,000.01 or above each cycle the minimum qualifications are met. If you do not meet all of the qualifications per cycle, your account will earn Base Rate of 0.10% APY; however, it will not receive ATM fee refunds for that time period. A monthly service fee of $5.00 will be imposed every statement cycle. A $5.00 credit will be applied to your account if you choose to receive your periodic statement electronically (eStatements). Fees may reduce earnings. Rates and APY as of November 2, 2026. We may change the interest rate and APY at any time after the account is opened. No minimum balance required; however, you must deposit $50 to open this account. Available to personal accounts only. Transactions only post and clear on business days and may take more than one business day to post and clear. Ask a banker for details. Extreme Checking Qualifications: 10 debit card purchases with a $5 minimum purchase must post and clear your account each statement cycle, one (1) direct deposit or ACH (Automated Clearing House) must post and clear your account each statement cycle, and you must enroll in eStatements and receive your statement electronically. To receive eStatements, you are required to have a Stock Yards Bank & Trust Online Banking account.

2. Transactions only post and clear on business days and may take more than one business day to post and clear. Ask a banker for details.

3. No minimum balance required; however, you must deposit $50 to open this account

4. A monthly service charge of $5.00 will be imposed every statement cycle. A $5.00 credit will be applied to your account if you choose to receive your periodic statement electronically (eStatements; Online banking required).

5. Student & Military Enhancements are available for all account types. Students under age 27 can select any of our Personal Checking Account products and receive four (4) free Non-Stock Yards Bank ATM withdrawals per month. At age 27, the account will automatically convert to the standard version. At the time of opening, students must have valid Student Identification. Active military members and veterans can select any of our Personal Checking account products and receive four (4) free non-Stock Yards Bank ATM withdrawals per month for life. We thank you for your service. At the time of opening, Active Military or Veteran Members must provide proof of military service.

6. Domestic ATM transactions only. Fees charged by Stock Yards Bank for using a non-SYB ATM are waived. Refund of up to $25.00 per statement cycle of fees charged by the ATM operator. Fee refunds appear on your statement once all of the above qualifications are met.