Home Checking Accounts Kentucky Checking Forest Hills, Kentucky Kentucky Checking Rate Trends iAdvertiser Disclosure
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Best Banks & Checking Accounts in Forest Hills, Kentucky - March 2026

The best checking rates for Forest Hills, Kentucky include First State Bank Winchester, OHFirst State Bank Winchester, OH202 E Main St, Louisa, KY 41230A+5.0 ★Texas Ratio: 3.31% Kasasa Cash Back Checking at 5.00% APY, Peoples Bank Marion, KYPeoples Bank Marion, KY116 S Main St, Marion, KY 42064A5.0 ★Texas Ratio: 10.93% Free Kasasa Cash Back Checking at 5.00% APY, One Vision Federal Credit UnionOne Vision Federal Credit Union9711 Linn Station Rd, Louisville, KY 40223 3804A+5.0 ★Texas Ratio: 2.22% ONEAccount Checking at 5.00% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.531 Lovers Ln, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.55% American Incentive Checking at 4.00% APY, and Citizens Guaranty BankCitizens Guaranty Bank457 E Main St, Richmond, KY 40475A-5.0 ★Texas Ratio: 15.03% Kasasa Cash Back Checking at 4.00% APY.

Looking for the best checking accounts in Forest Hills, Kentucky? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Forest Hills, Kentucky, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Forest Hills, Kentucky. Checking Account Rates Last Updated and Verified: March 20, 2026

Forest Hills, KY Checking Rate Trends

Compare local Forest Hills, KY checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Kentucky Checking Trends →
High-Yield Checking — KY Avg
0.654%
▲ 0.404 from last week

Kentucky high-yield checking rates rose 0.404 points this week to 0.654% APY, up from 0.250% last week.

Rewards Checking — KY Avg
2.985%
▲ 1.541 from last week

Kentucky rewards checking rates rose 1.541 points this week to 2.985% APY, up from 1.444% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Forest Hills, Kentucky & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First State Bank Winchester, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
202 E Main St
Louisa, KY 41230
Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking; Qualifying balance up to $240.00

Peoples Bank Marion, KY
Institution Rating:
A5.0 ★ Texas Ratio: 10.93%
116 S Main St
Marion, KY 42064
Free Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Qualifications Required; Cash back earned on up to $200.00 in purchases monthly

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd
Louisville, KY 40223 3804
ONEAccount Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $1,000.00

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
American Incentive Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

Citizens Guaranty Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.03%
457 E Main St
Richmond, KY 40475
Kasasa Cash Back Checking
4.00%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

cash back on debit card purchases*

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing
Hebron, KY 41048
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St
Florence, KY 41042 1198
Get Green Rewards Checking
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E
Henderson, KY 42420
Rewards Cash Back Checking
2.50%
$50
Rate2.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and log into digital banking; Be enrolled to receive e-statements; At least 1 direct deposit in account; Cash back earned on up to $300 in purchases monthly.

First Guaranty Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
15 Second St
Vanceburg, KY 41179
Hero Checking Account
2.27%
$25
Rate2.25%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $5,000.00

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
13903 Promenade Green Way
Louisville, KY 40245
Opulent Checking
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Qualifying balance up to $250,000

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
202 S Main St
London, KY 40741
Cash Back Checking
2.00%
$100
Rate2.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.80%
$0
Rate1.79%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.70%
$0
Rate1.69%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
1595 Veterans Memorial Hwy
Scottsville, KY 42164
FirstRewards Checking
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

Murray Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
405 S 12th St
Murray, KY 42071
TMB Spirit Checking
1.50%
$50
Rate1.49%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Qualifications Required

Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St
Lexington, KY 40507
Platinum Checking
1.15%
$0
Rate1.14%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St
Frankfort, KY 40601
Power Checking
0.85%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First State Bank Winchester, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
202 E Main St
Louisa, KY 41230
Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking; Qualifying balance up to $240.00

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd
Louisville, KY 40223 3804
ONEAccount Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $1,000.00

Peoples Bank Marion, KY
Institution Rating:
A5.0 ★ Texas Ratio: 10.93%
116 S Main St
Marion, KY 42064
Free Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Qualifications Required; Cash back earned on up to $200.00 in purchases monthly

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing
Hebron, KY 41048
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St
Florence, KY 41042 1198
Get Green Rewards Checking
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Citizens Guaranty Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.03%
457 E Main St
Richmond, KY 40475
Kasasa Cash Back Checking
4.00%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

cash back on debit card purchases*

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
American Incentive Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E
Henderson, KY 42420
Rewards Cash Back Checking
2.50%
$50
Rate2.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and log into digital banking; Be enrolled to receive e-statements; At least 1 direct deposit in account; Cash back earned on up to $300 in purchases monthly.

First Guaranty Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
15 Second St
Vanceburg, KY 41179
Hero Checking Account
2.27%
$25
Rate2.25%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $5,000.00

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
13903 Promenade Green Way
Louisville, KY 40245
Opulent Checking
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Qualifying balance up to $250,000

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
202 S Main St
London, KY 40741
Cash Back Checking
2.00%
$100
Rate2.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.80%
$0
Rate1.79%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.70%
$0
Rate1.69%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
1595 Veterans Memorial Hwy
Scottsville, KY 42164
FirstRewards Checking
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Presidential Checking
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

Murray Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
405 S 12th St
Murray, KY 42071
TMB Spirit Checking
1.50%
$50
Rate1.49%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Qualifications Required

Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St
Lexington, KY 40507
Platinum Checking
1.15%
$0
Rate1.14%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★ Texas Ratio: 15.03%
2555 Us 41 N
Henderson, KY 42420
Premier Interest Checking
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First State Bank Winchester, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
202 E Main St
Louisa, KY 41230
Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking; Qualifying balance up to $240.00

Peoples Bank Marion, KY
Institution Rating:
A5.0 ★ Texas Ratio: 10.93%
116 S Main St
Marion, KY 42064
Free Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Qualifications Required; Cash back earned on up to $200.00 in purchases monthly

Citizens Guaranty Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.03%
457 E Main St
Richmond, KY 40475
Kasasa Cash Back Checking
4.00%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

cash back on debit card purchases*

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St
Florence, KY 41042 1198
Get Green Rewards Checking
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E
Henderson, KY 42420
Rewards Cash Back Checking
2.50%
$50
Rate2.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and log into digital banking; Be enrolled to receive e-statements; At least 1 direct deposit in account; Cash back earned on up to $300 in purchases monthly.

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
202 S Main St
London, KY 40741
Cash Back Checking
2.00%
$100
Rate2.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
1595 Veterans Memorial Hwy
Scottsville, KY 42164
FirstRewards Checking
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir
Bowling Green, KY 42104 3383
Rewards Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Peoples Bank Marion, KY
Institution Rating:
A5.0 ★ Texas Ratio: 10.93%
116 S Main St
Marion, KY 42064
Free Kasasa Cash Back Checking
5.00%
$50
Rate5.00%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Qualifications Required; Cash back earned on up to $200.00 in purchases monthly

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln
Highland Heights, KY 41076 1440
Premium FREE Checking account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
2500 Lone Oak Rd
Paducah, KY 42003 8004
Free Personal Checking
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Town & Country B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
148 S Main St
New Haven, KY 40051
Worry Free Checking*
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances of: up to $9,999.99

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln
Highland Heights, KY 41076 1440
FREE Checking account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln
Highland Heights, KY 41076 1440
Premium FREE Checking account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln
Highland Heights, KY 41076 1440
FREE Checking account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing
Hebron, KY 41048
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing
Hebron, KY 41048
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66
Louisville, KY 40231 8900
Student Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $10,000.00

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir
Bowling Green, KY 42104 3383
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln
Bowling Green, KY 42103
Business Interest Checking
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No additional details provided.

Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St
Lexington, KY 40507
Central Interest/Business Interest/Business 250 Interest Checking
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln
Bowling Green, KY 42104
Business Checking
0.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln
Bowling Green, KY 42104
Business Checking
0.28%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd
Florence, KY 41042 4894
Business Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln
Bowling Green, KY 42104
Business Checking
0.21%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Magnolia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
651 W Dixie Ave
Elizabethtown, KY 42701
Business Sweep Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd
Florence, KY 41042 4894
Business Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

No additional details provided.

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq
Hodgenville, KY 42748
Lincoln's Elite Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln
Bowling Green, KY 42104
Business Checking
0.14%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100
Lexington, KY 40517 2065
Premier Business Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

($5,000 and up)

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100
Lexington, KY 40517 2065
Advantage Business Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

($5,000 and up)

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln
Highland Heights, KY 41076 1440
Premier Business Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY
LOUISVILLE, KY 40229
Preferred Business Checking
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

Magnolia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
651 W Dixie Ave
Elizabethtown, KY 42701
Business Pro Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq
Hodgenville, KY 42748
Lincoln's Elite Checking Business
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
13903 Promenade Green Way
Louisville, KY 40245
Business Interest Checking
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

(Sole Proprietorships, gov. agencies and certain trusts.)

Heritage Bank, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1818 Florence Pike
Burlington, KY 41005
Legacy Small Business Checking Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

no interest is paid on balances less than $10,000.00

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY
LOUISVILLE, KY 40229
Preferred Business Checking
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln
Bowling Green, KY 42104
Business Checking
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Forest Hills, Kentucky directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Forest Hills, Kentucky. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in KY.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Forest Hills, Kentucky earn interest?

Most traditional local checking accounts in Forest Hills, Kentucky earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Forest Hills, Kentucky FDIC insured?

Yes. Legitimate banks with branches in Forest Hills, Kentucky are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Forest Hills, Kentucky

Based on our current data, some of the highest checking account APYs available to residents of Forest Hills, Kentucky include:
  • First State Bank Winchester, OH
    Kasasa Cash Back Checking — 5.00% APY
  • Peoples Bank Marion, KY
    Free Kasasa Cash Back Checking — 5.00% APY
  • One Vision Federal Credit Union
    ONEAccount Checking — 5.00% APY
  • American Bank & Trust Co, Inc.
    American Incentive Checking — 4.00% APY
  • Citizens Guaranty Bank
    Kasasa Cash Back Checking — 4.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Forest Hills, Kentucky. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026