Best Banks & Checking Accounts in Trends, Kentucky - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Trends, Kentucky include First State Bank Winchester, OHFirst State Bank Winchester, OHA+5.0 ★Texas Ratio: 3.31% Kasasa Cash Checking at 5.00% APY, One Vision Federal Credit UnionOne Vision Federal Credit UnionA+5.0 ★Texas Ratio: 2.19% ONEAccount Checking at 5.00% APY, Morgantown B&TMorgantown B&TA+5.0 ★Texas Ratio: 1.40% Free Kasasa Cash Checking Account at 4.25% APY, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 4.37% Honors Checking at 4.00% APY, and American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.A+5.0 ★Texas Ratio: 1.55% American Incentive Checking at 4.00% APY. Checking account rates as of August 28, 2026 according to verified data from MonitorBankRates.
Trends is a smaller community with no bank or credit union branches currently in our database. 36 institutions serving the Kentucky area are available to Trends residents, with checking rates as high as 5.00% APY from First State Bank Winchester, OH. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Trends, Kentucky. Checking Account Rates Last Updated and Verified: August 28, 2026
Compare Checking Account Rates Today in Trends, Kentucky & the Surrounding Area
Qualifications Required: 12 debit card purchases; be enrolled in and agree to receive e-statements; be enrolled in and log into online banking
No additional details provided.
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; Balances up to and including $10,000 earn 4.1694% rate / 4.25% APY; balances over $10,000 earn 0.25% APY on the portion of the daily balance over $10,000, resulting in a range from 0.10% to 4.25% APY depending on the account's daily balance. Unlimited refunds on ATM withdrawal fees, nationwide. Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. No monthly maintenance fees. Free digital banking services. E-Statements required ($2.00 monthly Paper Statement fee).
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Call for Qualifying Requirements; Qualifying balance up to $50,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $15,000.00
No additional details provided.
No additional details provided.
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; Subject to Change Monthly
Qualifications Required: 15+ debit transactions; Applicable on balances up to $20,000. 3.50% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.
Qualifications Required: 12 debit card purchases; Be enrolled in and log into digital banking; Be enrolled to receive e-statements; At least 1 direct deposit into the account.; Rewards Checking (if qualifications are met)
No additional details provided.
No additional details provided.
Achieved Goals
No additional details provided.
Qualifications Required: 1.00% to 3.00% APY on balances up to $25,000; 0.50% APY on balances over $25,000. All balances earn 0.05% APY when qualifications not met.; Resulting in a range from 1.00% to 3.00% APY. All balances earn when qualifications not met. Kasasa Cash has non-compounding APY when tied to Kasasa Saver.
Balances less than $5,000.00
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 12 debit card purchases; be enrolled in and agree to receive e-statements; be enrolled in and log into online banking
No additional details provided.
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; Balances up to and including $10,000 earn 4.1694% rate / 4.25% APY; balances over $10,000 earn 0.25% APY on the portion of the daily balance over $10,000, resulting in a range from 0.10% to 4.25% APY depending on the account's daily balance. Unlimited refunds on ATM withdrawal fees, nationwide. Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. No monthly maintenance fees. Free digital banking services. E-Statements required ($2.00 monthly Paper Statement fee).
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Call for Qualifying Requirements; Qualifying balance up to $50,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $15,000.00
No additional details provided.
No additional details provided.
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; Subject to Change Monthly
Qualifications Required: 15+ debit transactions; Applicable on balances up to $20,000. 3.50% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.
Qualifications Required: 12 debit card purchases; Be enrolled in and log into digital banking; Be enrolled to receive e-statements; At least 1 direct deposit into the account.; Rewards Checking (if qualifications are met)
No additional details provided.
No additional details provided.
Achieved Goals
No additional details provided.
Qualifications Required: 1.00% to 3.00% APY on balances up to $25,000; 0.50% APY on balances over $25,000. All balances earn 0.05% APY when qualifications not met.; Resulting in a range from 1.00% to 3.00% APY. All balances earn when qualifications not met. Kasasa Cash has non-compounding APY when tied to Kasasa Saver.
Balances less than $5,000.00
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 12 debit card purchases; be enrolled in and agree to receive e-statements; be enrolled in and log into online banking
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; Balances up to and including $10,000 earn 4.1694% rate / 4.25% APY; balances over $10,000 earn 0.25% APY on the portion of the daily balance over $10,000, resulting in a range from 0.10% to 4.25% APY depending on the account's daily balance. Unlimited refunds on ATM withdrawal fees, nationwide. Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. No monthly maintenance fees. Free digital banking services. E-Statements required ($2.00 monthly Paper Statement fee).
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $15,000.00
No additional details provided.
Qualifications Required: 12 debit card purchases; Be enrolled in and log into digital banking; Be enrolled to receive e-statements; At least 1 direct deposit into the account.; Rewards Checking (if qualifications are met)
Achieved Goals
Qualifications Required: 1.00% to 3.00% APY on balances up to $25,000; 0.50% APY on balances over $25,000. All balances earn 0.05% APY when qualifications not met.; Resulting in a range from 1.00% to 3.00% APY. All balances earn when qualifications not met. Kasasa Cash has non-compounding APY when tied to Kasasa Saver.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 10 debit card purchases post and clear; 1 ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Tier 1 - An interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. The APY for this tier is 1.51%.
Qualifications Required: APY w/ All Qualifying Products
Qualifications Required: 1 direct deposit or ACH credit; enrollment in online banking; enrollment in eStatements; Balances over $10,000.01 earn a dividend rate of 0.25000% on the portion of the average daily balance over $5,000.01 resulting in a range from 0.59% to 4.00% APY depending on the account's average daily balance.
Qualifications Required: APY w/ All Qualifying Products
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; Balances up to and including $10,000 earn 4.1694% rate / 4.25% APY; balances over $10,000 earn 0.25% APY on the portion of the daily balance over $10,000, resulting in a range from 0.10% to 4.25% APY depending on the account's daily balance. Unlimited refunds on ATM withdrawal fees, nationwide. Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. No monthly maintenance fees. Free digital banking services. E-Statements required ($2.00 monthly Paper Statement fee).
No additional details provided.
No additional details provided.
Balances greater than $25,001.00
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; When qualifications aren't met, all balances in the account earn 0.10% APY and ATM withdrawal fees are not refunded.
All balances if qualifications not met
Qualifications Required: APY w/ All Qualifying Products
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; Balances up to and including $10,000 earn 4.1694% rate / 4.25% APY; balances over $10,000 earn 0.25% APY on the portion of the daily balance over $10,000, resulting in a range from 0.10% to 4.25% APY depending on the account's daily balance. Unlimited refunds on ATM withdrawal fees, nationwide. Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. No monthly maintenance fees. Free digital banking services. E-Statements required ($2.00 monthly Paper Statement fee).
No additional details provided.
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; Balances up to and including $10,000 earn 4.1694% rate / 4.25% APY; balances over $10,000 earn 0.25% APY on the portion of the daily balance over $10,000, resulting in a range from 0.10% to 4.25% APY depending on the account's daily balance. Unlimited refunds on ATM withdrawal fees, nationwide. Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. No monthly maintenance fees. Free digital banking services. E-Statements required ($2.00 monthly Paper Statement fee).
Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 15 debit card purchases; When qualifications aren't met, all balances in the account earn 0.10% APY and ATM withdrawal fees are not refunded.
No additional details provided.
No additional details provided.
One account owner must be age 50 or older to open this account. Fees could reduce the earnings on the account.
No additional details provided.
No additional details provided.
When Kasasa Cash qualifications are not met, all balances in the account earn 0.02% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APYs accurate as of 06/01/2018. Rates and rewards are variable and may change after account is opened.
No additional details provided.
Monthly Dividend
Monthly Dividend
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no interest is paid on balances less than $10,000.00
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Subject to Change Monthly
Subject to Change Monthly
No additional details provided.
No additional details provided.
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Subject to Change Monthly
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No additional details provided.
Trends, KY Checking Rate Trends
Compare local Trends, KY checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kentucky high-yield checking rates fell 0.014 points over the past 7 days to 1.183% APY.
Kentucky free checking rates fell 0.106 points over the past 7 days to 0.942% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Trends, 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 Trends, 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 Trends, Kentucky earn interest?
Are banks in Trends, Kentucky FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Trends, Kentucky
- First State Bank Winchester, OH
Kasasa Cash Checking — 5.00% APY - One Vision Federal Credit Union
ONEAccount Checking — 5.00% APY - Morgantown B&T
Free Kasasa Cash Checking Account — 4.25% APY - CLASS ACT
Honors Checking — 4.00% APY - American Bank & Trust Co, Inc.
American Incentive Checking — 4.00% APY
