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Secure Checking Details

Security and savings all in one place.

The Stock Yards Bank Secure Checking Account provides an array of premium benefits tailored to ensure both your security and savings.

Secure Checking Benefits1

Cell phone protection2Up to $600 of replacement or repair costs if cell phone is stolen or damaged; up to two (2) claims and a maximum of $1,000 per eligible account per twelve-month period; $50 deductible; covers up to four (4) phones listed on cellular telephone bill. Cellular telephone bill must be paid through your Secure Checking account.
ID Protect® identity theft protection1
  • Up to $10,000 identity fraud reimbursement coverage2 for expenses associated with restoring the victim's identity following an identity theft event
  • Resolution services - toll-free access to a dedicated consumer fraud specialist that will support the victim in the resolution of their identity
  • Identity Monitoring* - monitoring of over 1,000 databases and public records to identify suspicious activity
  • Single Bureau Credit File Monitoring* - daily credit file monitoring and automated alerts of key changes to your Transunion credit report
  • Single Bureau Credit Reports and Scores3* - access to credit report and credit score
  • Credit Score Tracker- access to ID Protect® Score Tracker to see changes in credit score3,4 over time
  • Financial Wellness 360° - financial wellness platform to assist customers with financial wellness (available via mobile or web only)
Roadside Assistance Service224-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

 

Details

Minimum Amount to Open$50
Minimum Daily BalanceNone
Monthly Service Charge$7.00
Unlimited Check Writing✓
Unlimited SYB ATM Usage5✓
Online & Mobile Banking✓
Debit Card✓
Online Bill Pay✓
Student & Military Enhancements Available6✓

Account opening subject to approval.  Terms and conditions subject to change.  Speak to a Banker for details.

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.

*Registration/Activation Required. 
1  Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

2  Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not Bank guaranteed, not a deposit, and are not insured by the FDIC or any other Federal Government Agency.

3  Access to your credit report and score provided your information has been verified by the Credit Reporting Agency. Request a single bureau credit report every six months or in the event you have suffered an identity theft event and have opened a resolution case.  Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness.

4  Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

5  When using a non-Stock Yards Bank ATM, you may be charged a fee by the other financial institution or ATM operator.  Stock Yards Bank charges a $2.00 fee for each non-Stock Yards Bank ATM transaction in excess of 4 per statement cycle.

6  Speak to a banker to request these benefits for your account. Restrictions apply. Terms and conditions subject to change. Student Enhancement: Students under age 27 can receive four (4) free non-Stock Yards Bank ATM withdrawals per month from any of our personal checking accounts. At age 27, the student enhancement will be removed, and ATM fees may apply.  Military Enhancement: Active military members and veterans can receive four (4) free non-Stock Yards Bank ATM withdrawals per month from any of our personal checking accounts. We thank you for your service. Active military members or veterans must provide proof of military service.