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Free Checking

Get a Checking Account Tailored to Meet Your Needs

At Park Community, we offer a variety of checking accounts including free checking with interest, student checking, fresh start checking, and more. Whether you have direct deposit and like to use your debit card or just need an extra account to manage your money, Park Community has an account to meet your needs.

Plus, by choosing a Kosair Charities or Kentucky Humane Society debit card design, you’re helping us give back to the community.

HI Checking

Earn Interest and Get up to $15/Month in ATM Refunds

This is a free interest-bearing checking account that offers higher interest and ATM Refunds^ if you meet the following criteria each month:

  1. Make twelve non-PIN-based debit card transactions
  2. Have one Direct Deposit into your account
  3. Enroll & receive free Electronic Statements (eStatements)
  4. Spend $500 or more in non-PIN-based debit card transactions

Meet these requirements and receive:

  • 1.76% APY^ paid on balances up to $10,000
  • 0.11% APY^ paid on the portion of the balance over $10,000

There are no minimum balance requirement, and you get a free debit card, automatic overdraft protection, and free unlimited bill payment.

Freedom Checking

Get Worry-free Checking with Unlimited Bill Payment

There are no monthly service charges for Freedom Checking Accounts with Direct Deposit or a payroll deduction of $400 or more. Plus, Freedom Checking offers:

  • No minimum balance
  • 7 FREE foreign ATM transactions**
  • Unlimited check writing
  • FREE unlimited bill payment

Open your Freedom Checking Account today.

Regular Checking

It’s Your Every Day Checking Account with 7 FREE Foreign ATM transactions**

You won’t sweat those times when you have to visit an out-of-network ATM with a Regular Checking Account from Park Community. We’ll reimburse up to seven of those transactions, because we understand that every dollar counts.

Plus, our standard checking account is free if you have a Park Community loan or meet the minimum daily balance requirement of only $200.  It’s $200 combined deposits…so as long as they have – say $25 in checking and $175 in savings – they’re good. This checking account also features:

  • No Direct Deposit required
  • FREE unlimited bill pay
  • Unlimited check writing
  • No fee travelers checks

Timeless Checking

Our Exclusive Account for Members 50 or Older

Timeless Checking is designed to reward our members 50 and older with higher interest rates on higher balances, bonus rates on certificates, along with a slew of other benefits:

  • Rising interest with higher balances
  • FREE safe deposit box*
  • No monthly service charge
  • No minimum balance
  • 7 FREE ATM transactions**
  • FREE stop payments
  • One FREE cashier’s check per month
  • No fee 2 party travelers checks
  • Unlimited check writing
  • 6 FREE photocopies of checks per month
  • One FREE box of checks, annually
  • Exclusive to Park Community Members Age 50 or older

Fresh Start

Get a Fresh Start on Your Finances

Now, more than ever, there are a lot of us who could use a fresh start, and there’s no better place to get one than at Park Community. For a small $12 service fee per month and a required Direct Deposit, you can enjoy all the privileges of a checking account, plus:

  • No minimum balance
  • FREE financial counseling from Greenpath
  • FREE Debit/ATM card with unlimited Park Community ATM transactions
  • 7 FREE foreign ATM transactions**
  • FREE Online Banking, eStatements, and DIAL telephone banking
  • FREE unlimited bill pay
  • FREE email notifications, and more

Get back on track with your finances today.

Contact us today for more information at 502/968.3681 or 800/626.2870 

Student Checking

This account is available to members between the ages of 12-24 and for full-time students. Also, there is no minimum balance requirement and it comes with a free Park Community Check Card.

  • No minimum balance
  • No direct deposit requirement
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE Debit/ATM card with unlimited Park Community ATM transactions
  • 7 FREE foreign ATM transactions**
  • FREE Online Banking, eStatements, and DIAL telephone banking
  • FREE unlimited bill pay
  • FREE budget and financial wellness counseling from Greenpath
  • FREE box of basic Park Community checks annually (member pays shipping and handling)

Checking Account Comparison Chart

Not sure what account is best for you? Check out our account comparison chart!

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Enjoy the Convenience of a Park Community Debit Card

Park Community secure chip debit cards are accepted anywhere you can use a MasterCard®, plus at thousands of ATMs across the country. All purchases and withdraws are automatically deducted from your checking account, so save your checks and make your purchases with ease.

You Have Charitable Options with Park Community Debit Cards

Support a cause and add some style to your debit card with a $5 donation to Kosair Charities or the Kentucky Humane Society.


Take Advantage of our Huge ATM Network

Make your withdrawal, check your balance, or transfer funds at thousands of ATM locations across the country. With Park Community, you have ATM access for:

  • Unlimited number of ATM transactions
  • No surcharge at affiliated ATMs (includes Republic Bank, Money Pass, and Alliance One ATMs)
  • 7 FREE foreign ATM transactions per cycle**

Protect Your Card with MasterCard® Secure Code

Register today for a private security code and get added protection for your online purchases. Learn more about MasterCard® SecureCode.

Report a Lost/Stolen Card

  • For a lost or stolen card, stop by your local branch or call 502/968.3681 or 800/626.2870.
  • After business hours, choose the option for lost/stolen card from the prompt and hold on the line until you speak to representative.

Current Rates

Account Type Tiers Dividend Rate APY
HI Checking^ (Base, if you don't meet the monthly requirements) 0.00% 0.00%
(Bonus Rate $0.01-$10,000.00) 1.746% 1.760%
(Bonus Rate over $10,000.00) 0.110% 0.110%
Timeless Checking ($0.01-$999.99) 0.060% 0.060%
($1,000.00-$9,999.99) 0.150% 0.150%
($10,000.00-$24,999.99) 0.200% 0.200%
($25,000.00 and higher) 0.250% 0.250%

All rates quoted as annual percentage yields. Rates effective as of 08/01/2016 and subject to change without notice.

Questions? Chat with a representative by clicking here.

^Must qualify. HI Checking earns 1.76% APY on balances between one penny and $10,000, 0.11% APY paid on all amounts above $10,000, and ATM refunds up to $15 when the four requirements are met each month. If the requirements are not met, your account will still function as a free checking account; however, you will not receive interest or ATM refunds for that month. APY is variable and may change after account opening. The annual percentage yield is effective 08.01.16. No minimum balance required to open or earn the APY. No monthly service charge. Only one HI Checking account per member. Federally insured by NCUA.
*Safe deposit box available at Fern Valley, Market St., Dixie, Clarksville, New Albany, Blankenbaker, Shepherdsville, Richmond, Douglass Loop, Hikes Point, Forest Springs, and Hillview branches only.  Subject to availability.
**Other institution fees may still apply. No surcharge at any Republic Bank, Money Pass, or Alliance One ATMs.


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