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The right type of Commercial Checking Account can save your business time and money.

A Commercial Banking Officer from The Bank of Kentucky can help analyze account volume and balance information to select the best checking account suited for your business. By doing so, we can help minimize account fees and maximize account returns.

For more information, visit any of our conveniently located banking centers or click here to have an experienced commercial banking officer contact you.

  Business Express Business Analysis Business NOW Business Money Market Index Zero Balance
Designed for Businesses with small to moderate balances Businesses with high transactions and cash management needs Sole proprietorships, government agencies and selected partnerships Businesses with limited check-writing needs Businesses who manage multiple disbursement accounts.
Interest No No Fixed Rate Variable based on 800 of the leading Money Market Funds No
Advantages Keeps pace with your business as it grows. No monthly fees with minimum balance and activity requirements. Earnings credit is used to offset fees. Variable based on 90 day T-bill. Matches all the advantages of our Business Analysis account while yielding a fixed rate of interest. No minimum balance required. Premium interest rates tiered by account balance. Interest compounded daily and credited monthly. No monthly fees with minimum balance. Concentrate funds for loan or investment purposes.


Business Express

Checking simplified. This account is designed for businesses with small to moderate balances and transaction levels.

Average Monthly Collected Balance Fee Number of Free Items Additional Item Fee
Less than $15,000 0 250 $5 + .30 if exceeded
$15,000 or greater 0 500 $5 + .30 if exceeded

Additional Features:

For more information, visit any of our conveniently located banking centers or click here to have an experienced commercial banking officer contact you.





Business Analysis

This account is designed for businesses with high transactions and cash management needs. With this account, an earnings credit on your average collected balance is used to offset fees.

$17 monthly fee, $.19 per check, $.15 per ACH, $.50 per deposit, $.15 per deposited item, $10 returned item, $3 rolled coin per box & $.15 per roll.

Additional Features:

For more information, visit any of our conveniently located banking centers or click here to have an experienced commercial banking officer contact you.





Business NOW

This account matches the features of the Business Analysis account while earning interest on all balances.

Sole Proprietorships, Government Agencies, Non-Profit Organizations, and HOA and Condo Associations that are operated primarily for religious, charitable, educational, philanthropic, or political purposes are eligible.

For more information, visit any of our conveniently located banking centers or click here to have an experienced commercial banking officer contact you.





Business Money Market Account

The Business Money Market account is designed for businesses with limited check-writing needs who want to earn a competitive rate of interest. The Business Money Market account is perfect for businesses with excess funds looking for a short-term investment. Because this account pays a competitive rate of interest, activity is limited to six total transactions per month*.

Interest rate by account balance:

Average Balance Interest Rate Equal to:
Less than $10,000 Regular Savings Account rate
$10,000 and above Wall Street Journal seven-day yield** rate

*maximum number of check, draft, or debit card transactions is limited to three; remaining transactions available for account transfer use
**based on 800 of the leading taxable Money Market funds published weekly in the Wall Street Journal

For more information, visit any of our conveniently located banking centers or click here to have an experienced commercial banking officer contact you.




Zero Balance Accounts

Businesses that maintain multiple disbursement accounts and want to concentrate the company's funds into a central account, while keeping autonomy between accounts may fit well with a Zero Balance Account (ZBA). This account allows the business to concentrate funds into one account, but still receive separate statements on each ZBA. If excess funds are available, the business can set a target balance and transfer increment so these funds can be swept into an Investment Account, Investment Sweep, or Money Market Account.

This maximizes use of funds for businesses with multiple accounts for payroll, operations, subsidiary companies, employee benefits, etc. The Bank of Kentucky representatives will work with your business to determine the optimal setup of accounts.

For more information, visit one of our conveniently located banking centers or click here to have an experienced commercial banking officer contact you.



All Bank of Kentucky Checking accounts are subject to credit application approval and subject to The Bank of Kentucky's online banking and EFT disclosures.

All Bank of Kentucky Checking accounts that earn interest are calculated using an Annual Percentage Yield (APY) and are accurate as of the date listed on the rate sheet. Rates may change at anytime after the account is opened and monthly service fees (where applicable) may reduce earnings. Interest is compounded daily and credited monthly. Checking accounts may be closed at anytime without penalty. Minimum balances required. Deposits are FDIC insured up to $100,000.