Simple Start Checking
Wherever you’re starting from, Stock Yards Bank & Trust is here to help make banking simple, safe, and stress-free. Simple Start Checking is a straightforward account designed for customers who are new* to banking and SYB —built around clarity, affordability, and everyday access. Every financial journey has a first step—and we’re honored to take it with you. Ours began in 1904.
Simple Start Checking account benefits and details:
$25
Opening Deposit1
You only need to deposit $25 in order to open your new Simple Start Checking account.
ZERO
Overdraft fees2
No need to worry about overdraft fees with this account.2
$7
Monthly Service Charge3
Monthly Service Charge can be refunded partially or in full each month with qualifying activity
MANAGE
With Online & Mobile Banking
Includes bill pay, mobile check deposit, and account alerts for better money management
DEBIT CARD
With ATM Access5
Enjoy easy access to your money with cash withdrawals or secure debit card payments.5
FDIC
Insurance
Your money is insured by the FDIC up to $250,000, just like any standard bank account
Visit your nearest branch to open your Simple Start Checking account today!
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At Stock Yards Bank, we believe banking should be simple and stress-free. That’s why the Simple Start Checking account is such a game-changer—no overdraft fees, low monthly cost, and tools to help you manage your money confidently. It’s all about giving our customers a safe, affordable way to build financial stability and trust in their banking relationship.
James "Ja" Hillebrand
Chairman & CEO
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What is an opening deposit?
An opening deposit is simply the first amount you add to your new account to get it started. For the SYB Simple Start Checking account, the minimum deposit is $25—but you can always deposit more more if you’d like.
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Are there really no overdraft fees?
Yes, there are no overdraft fees! The SYB Simple Start Checking account is designed to help you avoid overdraft fees.2 Here’s how it works:
- No overdraft fees—ever. If a transaction would overdraw your account, we’ll simply return it unpaid without charging a Non-Sufficient Funds (NSF) or overdraft fee.
- Debit card transactions: If there aren’t enough funds at the time of authorization, the transaction will be declined. If a transaction is approved and causes your balance to go negative, we’ll cover it—but still won’t charge an NSF or overdraft fee.
- Your responsibility: If your account goes negative, you will need to bring it back to a positive balance as soon as possible. If the negative balance remains, we may need to close your account and report it to a collection or credit agency.
- No overdraft programs: This account isn’t eligible for Overdraft Privilege or Overdraft Protection, including for one-time debit card transactions.
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How do I avoid the $7 monthly service charge?
We want to keep things simple!
- A monthly service fee of $7.00 applies to your account3
- Get a $2.00 credit each month by choosing electronic statements instead of paper3
- Get a $5.00 credit when at least one direct deposit or electronic payment (ACH) posts and settles during your monthly statement cycle3
Your total credits can't exceed the monthly service fee, but they can help reduce or even eliminate it!
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Can I write checks?
No, check writing is not allowed with this account.
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Is there a fee if I close my account?
No need to worry—you can close your account anytime without being charged a closure fee.4
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Am I eligible for Simple Start Checking?
If you do not currently have a checking account with Stock Yards Bank & Trust and have not had one in the past 24 months, either individually or jointly, you could be eligible. Simple Start Checking is available for personal accounts only. Business and commercial accounts are not eligible.* Contact a banker for complete details.
*New Customer is defined as an individual who does not currently maintain, and has not maintained within the past 24 months, any checking account relationship with Stock Yards Bank & Trust, including accounts held individually or jointly. Simple Start Checking account is available for personal (consumer) accounts only. Business and corporate accounts do not qualify. Account opening subject to approval. Terms and conditions subject to change. Speak to a banker for details.
TRUTH IN SAVINGS DISCLOSURE: Simple Start Checking
1 Minimum Balance to Open the Account: You must deposit $25.00 to open this account.
2 Overdrafts: This account is not eligible for Overdraft Privilege or Overdraft Protection for any item, including one-time debit card transactions. Items that overdraw this account will be returned unpaid and will not be charged a Non-Sufficient Funds (NSF) or Overdraft Fee. Debit card transactions will be declined if there are insufficient funds in the account at the time of authorization. If a debit card transaction is approved and overdraws the account, the transaction will be paid but will not be charged an NSF or Overdraft fee. You are responsible for paying any negative balance on the account as soon as possible. If a negative balance remains on your account, we may close your account and report your information to an outside collection and credit reporting agency.
3 Monthly Service Charge: A monthly service charge of $7.00 will be imposed every statement cycle. A $2.00 credit will be applied to your account if you choose to receive your periodic statement electronically. A $5.00 credit will be applied to your account if at least one direct deposit or electronic payment (ACH) posts and settles during the monthly statement cycle. The credits will not exceed the accrued service charge.
4 Early Closure: This account is not subject to a Premature Account Closing fee if the account is closed within 90 days of account opening.
5 ATMs: 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.
Transaction Limitations: Check writing is not permitted on this account.
Dormancy: This account will be considered dormant if there is no deposit or withdrawal activity for 24 months. This account will not be charged a Monthly Dormant Account Fee/Charge. Funds in abandoned accounts will be sent to a state agency in accordance with state law.