Checking Accounts
Checking That Works for You
Enjoy checking that puts you first.
Choose the Checking That Fits You Best.
At Greater Kentucky Credit Union, checking isn’t just a transaction — it’s part of our ongoing relationship with you. We believe your everyday account should do more than manage money — it should earn for you.
Cash Back Checking
- 2.50% cash back on debit card purchases (up to $7.50/month) when qualifications met*
- Qualifying Activities: 12 debit purchases, eStatements, log in to digital banking
- No fees, whether or not qualifications are met in a given month
- 2.25% APY when you meet the same monthly qualifications as above.
- 4.00% APY if you make at least 20 debit purchases in a month
- 5.00% APY premium rate when you also hold a secured loan with us
- No monthly maintenance fees
You don’t have to overhaul your habits to benefit. You’re likely already doing everything needed to qualify. Our reward structure is designed around your daily banking — not arbitrary hoops.
- Simply enroll in online banking and e-statements to receive rewards
- Grace when you miss. If you don’t meet qualifications one month, you still keep free checking and can requalify next month.
Transparent, simple rules — no fine print surprises.
Why Our Rewards Checking Stands Out
Our Commitment to You
Real People. Real Service.
You deserve more than just competitive rates. You deserve consistency, kindness, and confidence in your financial institution. At GTKY, we’ve built our reputation on showing up — in person, online, and over the phone — with staff who know you, and processes designed to support you.
- Friendly, responsive staff in Lexington and Versailles
- Transparent explanations and guidance
- Local decisions — faster resolutions, better outcomes
- A culture built around trust and service
20x Higher than Average
At Greater Kentucky Credit Union, our Cash Back Checking pays up to 2.50% back on debit card purchases each month — 20x higher than the national average for checking rewards.
~ Nerd Wallet/FDIC
How to Get Started
(859) 231-9300
Talk or text with a Team Member
memberservice@gtkycu.com
Email a Team Member
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How do I join Greater Kentucky Credit Union?
You can become a member online in just a few minutes or visit one of our Lexington or Versailles branches. Membership is open to anyone who lives, works, worships, or studies in Central Kentucky. Learn more.
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How do I choose the right account for me?
Our team is here to help you find the perfect fit. Whether you’re looking for everyday checking, a high-yield savings account, or both, we’ll walk you through your options and make the process simple.
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What happens after I open my account?
Once your account is active, you’ll enjoy better rates, fewer fees, and ongoing support from real local people who care about your success.
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Can I manage my account online or on my phone?
Yes! GTKY offers full-service online and mobile banking with secure access to your balances, transfers, mobile deposits, bill pay, and more — available 24/7 from anywhere.
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Are there fees to open or maintain my account?
Most GTKY checking and savings accounts come with no monthly fees or minimum balance requirements. We believe in transparency — no surprises, just better banking.
Refinance & Greater Savings
"Greater Kentucky Credit Union was a lifesaver for me! I was paying an extremely high interest rate on my auto loan. Greater Kentucky Credit Union was able to cut my rate in half, reduce the term of my loan, and save me money on my monthly payments. They also helped me open a fantastic account with an amazing interest rate."
Evan B.
Lexington, KY
High Yield Checking
"My husband and I moved to Lexington from out of state, and we were looking for the right financial institution for us—one that wasn’t too big and offered top notch customer service and a personalized experience. We have been thrilled with the cashback from our high yield checking account and the services we have received thus far. The Lexington branch is convenient to both our places of work, and mobile banking works well for us."
Brittany D.
Lexington, KY
Better Checking, Greater Service
"Heard they were offering 4% annually on a checking account, so I opened an account for my wife and I. Process could not have gone any smoother! Shoutout to Susan for making the process extremely simple and straightforward. The staff I've spoken to have all been pleasant and seem knowledgeable about current offers and rates."
