Savings Account | KY Bank Personal Savings Account

Open one and start growing.

Savings accounts create a solid foundation.

When it comes to your unique savings goals in Kentucky, Paducah Bank has the right account to help you reach them. Find the savings account that works for you.

Statement Savings Account

Prepare for the future with a savings account that has low fees, pays competitive interest and is easily manageable through online and mobile banking tools.

$50 minimum opening deposit
Interest paid on balances of $300 or more
Receive free e-statements as well as regular paper bank statements

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Coin Club Account

Open a Coin Club Savings Account with as little as a penny. Soon you'll be visiting us to deposit birthday gifts from Grandma and then paychecks from your first job.

Account pays a premium interest rate
No minimum opening balance
Free use of digital banking tools

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WOW! Whatever Savings Account

A Paducah Bank WOW! Whatever Savings account is a great money management tool that helps you make year-round progress toward your savings goals.

Competitive interest on balances of $300 or more
Automatic transfers from checking or regular savings accounts
Free access to Online and Mobile Banking tools

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Individual Retirement Accounts

Now's the time to start saving for that next big chapter in your life. Set up an IRA that suits your finances and lifestyle.

Choose from Certificates of Deposits (CDs), Money Market Accounts and other investment options
Traditional and Roth IRAs offer specific tax advantages
Monitor and manage accounts with online banking and mobile banking tools

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Open a savings account online or at one of our Paducah or Louisville, Kentucky branches by scheduling an appointment.

	Regular Savings*	Coin Club Account**	WOW! Whatever Savings†	Liquid CDD††
	Learn More Open Account	Learn More Open Account	Learn More Open Account	Open Account
Online Banking and Bill Pay	Yes	Yes	Yes	Yes
Paper Statements	Yes	Yes	N/A	Yes
E-Statements	Yes	Yes	Yes	Yes
Mobile Banking	Yes	Yes	Yes	Yes
Earns Interest	$300 and up	$.01 and up	$300 and up	$300 and up
Number of Withdrawals	6 per quarter	6 per quarter	1 per quarter	4 per year
Excess Withdrawal Fee	$2 after 6th	$2 after 6th	$7.50 after 1st	$25 after 4th
Monthly Maintenance	$7 quarterly waived with $300 balance	$0	$0	$7 quarterly waived with $300 balance
Dormant Fee	$5 quarterly if balance is below $300 and no activity for 365 days	$5 quarterly if balance is below $300 and no activity for 365 days	$5 quarterly if balance is below $300 and no activity for 365 days	$5 quarterly if balance is below $300 and no activity for 365 days

* Regular Savings requires $50 minimum to open

** At age 18, Coin Club converts to Regular Savings

† Wow Whatever requires auto transfer from checking or savings — minimum $10 transfer weekly or bi-weekly or $20 minimum transfer monthly. Account also requires statement by E-statement or combined with checking from which transfer occurs. $25 penalty if closed within first 6 months.

†† Liquid CDs require $1,000 minimum to open and pay tiered rates of interest. WOW Liquid CD is available for Liquid CD balances greater than $250,000. Same fees, terms and withdrawals as the regular Liquid CD.

Debt Consolidation

Put all your debt together in to one easier to manage monthly payment.

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Savings Accounts