Honors Checking

Your new superpower is earning more—earn and get back up to $500 per year! Move up to Honors Checking for high yields and free ATMs!

Earn up to $200 per year!

Balances up to $5,000 earn 4%APY!* That means your money earns more in your Honors Checking. Class Act pays monthly and could earn you up to $200**. No fees and no minimums. Could this be the best Checking account in town? Come find out!

Get back up to $300

Big banks love their ATM fees! We don’t! While you have access to over 30,000 free ATMs, if you must pay a fee, we got you covered! Every month you can get back up to $25 back in US ATM withdrawal fees. That’s $300 a year! Take a vacation, visit friends and family across the country—you will have access to free ATMs or get a refund.

Courtesy Pay

Bring over your Direct Deposit to your free Honors Checking and get a $500 overdraft protection. You choose how to use this!

Cover a check.
Get cash out at a branch or ATM.
Use your debit card.
Transfer money electronically.

Fees Apply. Terms and conditions apply*** Please make sure you fully read the terms and understand the costs associated with this benefit.

30,000+ FREE ATMs

Open a free Honors Checking and you will gain access to 30,000 free ATMs and over 5,000 shared branches across the country.


That’s more than most of the biggest banks. And it includes selected locations where you shop, like 7-Eleven, Circle K, Costco, Publix, Dunkin Donuts, and many regional convenience store locations. Feel right at home when you visit participating credit unions in all 50 states. And with over 5,000 shared branches, you’ll have easy access to your money wherever you go.

Class Act Online Banking

Now you can do almost anything anywhere with online banking. Apply for a loan, e-sign your loan documents, look up financial articles and classes, pay your bills, deposit a check, and plan out your monthly budget all from your smart phone!


The four requirements to earn the 4% APY* on the first $5,000 in your Honors Checking Account + $25 in ATM refunds per month are simple:

  • Make at least 10 debit card purchases totaling $200 or more.
  • Log into online banking at least once per month.
  • 100% Direct Deposit from payroll or retirement.
  • Enroll to receive e-Statements.

Let us know if you have any questions or concerns by calling 502-964-7575 or sending a
secure message through mobile/online banking.

*APY- Annual Percentage Yield. Refers to the 12-month Honors Checking max dividend distribution of approximately $200 and 12-month max US out of network ATM refund benefit of $300 ($25 per month), on one personal account per membership only. As of January 31, 2018, 4.00% Annual Percentage Yield (3.96%) daily interest rate paid monthly on balances up to $5,000. Unused Out of network ATM fee refunds do not roll over month to month. Balances over $5,000 will earn the higher tier Share 0 dividend rate when requirements are met. Rates & terms as of are subject to change. All requirements must be met before month-end processing (on last business day of month).
***Courtesy Pay is an overdraft protection product. Accessing the up to $500, mentioned above, will overdraw the associated checking account for the requested amount plus the associated fee. The checking account associated with Courtesy Pay may be negative for no more than 30 days and must be positive for 24 hours before used again. You must opt in to connect your debit card to this protection. A fee is assessed for all transactions in courtesy pay. Terms and conditions apply and subject to change. Class Act will provide you a separate Courtesy Pay Agreement.

Ready to sign up for your Honors Checking account? Sign up!

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