Extreme Checking
Your money, working harder for you.
Apply NowThe Stock Yards Bank & Trust Extreme Checking Account earns account holders 5.00% APY1 on all balances from $0.01 to $10,000.00 and 0.10% APY1 on all balances over $10,000.00 when qualifications are met.
The account earns 0.10% APY1 on all balances if qualifications are NOT met.
Simply meet the following qualifications per statement cycle:
- 10 debit card purchases with a $5 minimum purchase must post and clear your account2
- One direct deposit or ACH (automated clearing house) must post and clear your account2
- Enroll and receive your bank statement electronically (eStatements; online banking required)
Choose how you'd like to open your account:
Open your account online in minutes
Discover the unparalleled ease, convenience, and flexibility of opening your new Extreme Checking Account online.
Open your account onlineOpen your account in a nearby branch
Prefer to do your banking in person? Visit your nearest Stock Yards Bank & Trust branch to open your new Extreme Checking Account.
Find a branch to apply in personExtreme Checking Details | |
|---|---|
| Description | Earns premium interest on balances from $0.01 to $10,000.00 when qualifications are met |
| Minimum Amount To Open | $50 |
| Minimum Daily Balance3 | None |
| Monthly Service Charge4 | $5.00 |
| How to avoid the monthly service charge | Enroll in eStatements (online banking required) |
| Unlimited Check Writing | ✓ |
| Student & Military Enhancements Available5 | ✓ |
| Online & Mobile Banking | ✓ |
| Online Bill Pay | ✓ |
| Debit Card | ✓ |
| Unlimited SYB ATM usage | ✓ |
| Benefits | 5.00% APY1 on all balances from one penny to $10,000.00 when qualifications are met 0.10% APY1 on all balances over $10,000.00 when qualifications are met 0.10% APY1 on all balances if qualifications are NOT met Non-Stock Yards Bank ATM fees refunded up to $25 per statement cycle when qualifications are met6 |
Personal accounts only. Ask a banker for details. Terms and conditions are subject to change. Account opening subject to approval.
1. APY=Annual Percentage Yield. Extreme Rate 5.00% APY paid on balances between $0.01 and $10,000.00, and 0.10% APY paid on all balances $10,000.01 or above during each statement cycle the above qualifications are met. If the qualifications are not met during a statement cycle, the account will earn Base Rate of 0.10% APY on all balances and will not receive ATM fee refunds during that statement cycle. Rates as of November 2, 2026. We may change the interest rate and APY at any time after the account is opened. Fees may reduce earnings.
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.