Smart Checking Account Details
Experience smarter banking with the Smart Checking account from Stock Yards Bank & Trust—designed to give you convenience, flexibility, and control. Enjoy seamless access to your money with Mobile Banking, Bill Pay, and a wide network of ATMs, all backed by the security of an FDIC-insured institution. Whether you're managing daily expenses or planning ahead, Smart Checking offers the modern tools you need with the personalized service you deserve.
Smart Checking has a Monthly Service Charge3 of $5.00.
How to avoid the monthly service charge:
- Receive a $2.50 rebate for using eStatements3
- Receive a $2.50 rebate if one direct deposit or electronic payment (ACH) posts during the statement cycle1,3
Additional Details
| Minimum Amount To Open2 | $50 |
| Minimum Daily Balance2 | None |
| Monthly Service Charge3 | $5 |
| How to avoid the monthly service charge3 | $2.50 rebate with eStatements3 $2.50 rebate if one direct deposit or electronic payment (ACH) posts during the statement cycle3 |
| Check Writing | 10 checks per month ($0.50 for each check over 10) |
| Student & Military Enhancements Available4 | ✓ |
| Online & Mobile Banking | ✓ |
| Online Bill Pay | ✓ |
| Debit Card | ✓ |
| Unlimited SYB ATM usage5 | ✓ |
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. 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.
2. No minimum balance required; however, you must deposit $50 to open this account.
3. A monthly service charge of $5.00 will be imposed every statement cycle. A $2.50 credit will be applied to your account if you choose to receive your periodic statement electronically (eStatements; Online banking required). A $2.50 credit will be applied to your account if one direct deposit or electronic payment (ACH) posts during the statement cycle.
4. 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.
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.