The ULTIMATE ticket to freebies and perks is here
Take advantage of checking that checks all the boxes with everything from special coverage to savings at local businesses.
Benefits You’ll Love
- Tons of freebies to take advantage of
- Enjoy discounts at local businesses
- Automatic 12-month extension on most consumer warranties
- Access to free digital banking services to manage money from anywhere
- An account with a ton of BENEFITS and opportunities to SAVE!
- Free MBT logo checks or 50% discount on other styles
- Free paper statements w/ images
- Only $8 monthly Membership Fee
- Interest bearing if minimum daily balance is $1,000 or above (Prevailing Rate)
- ULTIMATE ID® Identity Theft Solutions2
- Cellular Care Coverage up to $600
- Automatic 12-month extension on most consumer merchandise warranties
- 2 Free Stop Payments per year
- 3 Free Cashier’s Checks per month
- Exclusive savings on GenGold.com and member only discounts
- Exclusive savings at Local Businesses
- Free digital banking services including:
- Free eStatements
- Free Mobile Banking
- Free Mobile Deposit
- Free Mastercard® debit card
- Nationwide surcharge-free ATMs via the MoneyPass® network
- $50 minimum deposit to open
Manage Your Rewards
Visit GenGold.com or download the free mobile app for Apple® and Google Play™ devices.
For details of the GenGold app, click here.
Travel Discounts
- Good as Gold Double the Difference Low Price Guarantee on flights, hotels, vacations, cruises and rental cars
- 5% Cash Back Reward on hotels, car rentals & cruises
- 3% Cash Back Reward on air travel & vacation packages
- Health Services
- Prescription discounts
- Vision care/product discounts
- Hearing care/product discounts
Cellular Care Coverage
- Coverage is automatic
- No additional registration is required
- Will reimburse the costs associated with repairing your device
- $600 membership coverage limit. Restrictions apply.
ULTIMATE ID® Identity Theft Solutions2
- 3 bureau credit monitoring
- Instant credit bureau inquiry
alerts - Credit score tracker
- Enhanced internet monitoring
- 3G fully managed identity fraud research, remediation and recovery services
Value Added Options
- Save up to 5% on gift card purchases, including gas cards
- Save up to 50% on attractions, movies, sports, concerts & theater event tickets with TicketXpress
- Save up to 87% on dining certificates with Dining Dough
- Internet grocery coupon club
- Pre-paid phone cards
- Mail-order food gifts
- National restaurant discounts
- National rental discounts
- 24-Hour emergency roadside assistance1
Morgantown Businesses
Alford’s Automotive
$10 off brakes and rotor service
903 Caneyville Rd. Morgantown, KY 42261 (270) 526-3163
Chad’s Body Shop & Wrecker Service
10% discount on all services (excludes towing, tires & insurance claims)
837 S. Main St., Morgantown, KY 42261 (270) 526-4005
Chad’s Self Storage & Outdoor Billboards
10% discount on a one-year billboard advertising contract
Get one month free with 12-month storage contract
837 S. Main St., Morgantown, KY 42261 (270) 526-4005
El Azteca
10% discount on Tuesdays
216 S. Main St., Morgantown, KY 42261 (270) 526-8900
Firehouse Pizza
Large 1 topping pizza & regular breadstick for just $10.00 (dine-in & carryout only)
107 E. Ohio St., Morgantown, KY 42261 (270) 526-5560
Flener’s Main St. Collections
10% discount Wednesdays on regularly priced items (exclusions may apply)
1118 S. Main St. - Ste. 4, Morgantown, KY 42261 (270) 999-0346
Graham Central Station
20% discount Tuesdays & Thursdays – 10% discount all other days (regularly priced items)
1940 Beaver Dam Road, Morgantown, KY 42261 (615) 594-9214
JT Wheel & Tire
5% discount Towing (20-75 miles) / $5 off Alignments
191 Veterans Way, Morgantown, KY 42261 (270) 526-0606
Kuntry Kitchen
$0.50 off Daily Lunch Special (Mon. – Fri. from 11am-2pm)
827 West GL Smith St., Morgantown, KY 42261 (270) 526-2400
Mi Garcias Mexican Restaurant
10% discount on Sundays (food only)
41 Veterans Way, Morgantown, KY 42261 (270) 662-0104
Mighty Sharp Barber Shop
$1.00 off on Tuesdays
106 Ashley Plaza Circle, Morgantown, KY 42261 (270) 999-2949
Parkway Cars and Tires
Free Alignment & Brake Inspection with purchase of set of 4 tires
1774 S. Main St., Morgantown, KY 42261 (270) 526-5732
Tiffany’s Tanning & Boutique
$5.00 off Unlimited Tanning Package & 10% discount one regularly priced boutique item
191 Veterans Way, Morgantown, KY 42261 (270) 526-2111
Todd Cohron OD
10% discount Sunglasses
221 W. GL Smith St., Morgantown, KY 42261 (270) 526-6800
Trading Post in Aberdeen
10% discount on regularly priced items (exclusions may apply)
2222 Beaver Dam Rd, Morgantown, KY 42261 (270) 662-0106
U think it, We make it
10% discount on monogramming and decals
594 Veterans Way – Ste 3, Morgantown, KY 42261 (270) 526-0230
Bowling Green Businesses
Cocomo Confections
Buy one ice cream sundae, get one half off
1945 Scottsville Rd. – A2, Bowling Green, KY 42104 (270) 997-1128
Con Con’s Restaurant
10% discount on Mondays and Tuesdays
1924 Russellville Rd., Bowling Green, KY 42101 (270) 282-6120
Discount Mattress Outlet
10% discount (certain exclusions may apply)
2734 Russellville Rd., Bowling Green, KY 42101 (270) 842-3888
Firehouse Pizza
Large 1 topping pizza & regular breadstick for just $10.00 (dine-in & carryout only)
1703 US 31W, Bowling Green, KY 42101 (270) 781-3246
High Tops
10% discount (excludes alcohol)
1306 Center St. #101, Bowling Green, KY 42101 (270) 904-1757
Jersey Mike’s Subs
10% discount in store only (excludes catering)
1713 Scottsville Rd. – Ste D, Bowling Green, KY 42104 (270) 904-1917
Lettie Lou Likables
BOGO 50% discount on 3 letter – 3 inch monogram
2800 Scottsville Rd., Bowling Green, KY 42101 (270) 202-0241
Lost River Pizza Co.
10% discount (excludes alcohol)
2440 Nashville Rd. #6, Bowling Green, KY 42101 (270) 746-0255
Mister B’s
10% discount (excludes alcohol)
1945 Scottsville Rd. – Ste 300, Bowling Green, KY 42104 (270) 904-4200
Motor City Bar & Grill
10% discount (excludes alcohol)
191 Cumberland Trace Rd., Bowling Green, KY 42103 (270) 782-6299
Oh What Fun!
20% discount on regularly priced items (some exclusions may apply)
2800 Scottsville Rd., Bowling Green, KY 42101 (270) 438-9486
Southern Threads
10% discount entire purchase
1131 Fairview Avenue Bowling Green, KY 42103 (270) 904-0635
Stakz Frozen Yogurt
$1.00 off (excludes Happy Hour)
1945 Scottsville Rd., Bowling Green, KY 42104 (270) 282-2410
Tech Connection
10% discount on phone screen replacement (some exclusions may apply)
2728 Scottsville Rd., Bowling Green, KY 42104 (270) 799-0852
The Cake Shop
10% discount on case items (some exclusions may apply)
2708 Scottsville Rd. Ste B., Bowling Green, KY 42104 (270) 904-5975
The Mattress Store (Buckhead Square)
10% discount (certain exclusions may apply)
760 Campbell Ln., Bowling Green, KY 42104 (270) 746-9800
Note: Other fees* such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Unless stated, minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Interest and other Miscellaneous Income will be reported on 1099-INT or 1099-MISC. If under 18 years old, must have an adult co-owner on account.
1Members receive 24-hour emergency roadside service anywhere, on any road in the 50 U.S. states and Canada. Covers towing, battery service, flat tire assistance, fluid delivery and lockout assistance. Up to 4 members covered in any car they drive. Benefit coverage up to $100 per occurrence. 5 occurrences per family membership per year. $49.95 for a year, $89.95 for two years coverage for up to four family members residing in your household.
2ULTIMATE ID™ program begins when you successfully validate your identity to complete the activation process. An active email address is required. To report an identity theft incident or for assistance obtaining your activation code, please call 1.877.279.6338 and speak with a dedicated Ultimate ID™ recovery advocate. Certain restrictions and limitations apply. See complete terms and conditions and program eligibility. Please refer to your summary of benefits for program specific information. No one can prevent all identity theft. There is a monthly fee of $8.00 for GenGold® Ultimate.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Deposit Accounts
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Omega Money Market* | $5,000 | 0.50% |
| Club Savings | $0 | 2.02% |
| MBT Savings | 0.10% | |
| Health Savings Account** | 2.02% | |
| Direct Interest Checking | 0.25% | |
| GenGold Checking | $50 | 0.01% |
*Money Market Account prevailing rate based on tiered balance structure. The APY disclosed on the website is for the highest tiered balance. Annual Percentage Yield (APY) is current as listed and subject to change. For more information such as, Minimum Deposit, Account Information, and Withdrawal Penalties, refer to the Personal Tab and click Money Market Account. Deposit Accounts subject to fees may reduce earnings.
Kasasa Cash*
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $50 | 4.8889% | 5.00% |
| $10,000+ | $50 | 0.25% | 0.25% |
| All balances if qualifications not met | $50 | 0.10% | 0.10% |
Qualifications
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $500,000 if qualifications are met | $50 | 1.49% | 1.50% |
| 0 - $500,000 if qualifications not met | $50 | 0.10% | 0.10% |
| $500,000+ | $50 | 0.25% | 0.25% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Loan Rates
| Loan | Term | Interest Rates | APR |
|---|---|---|---|
| New Autos | up to 72 months | Competitive Rates | Competitive Rates |
| Home Equity | Up to 10 years | Competitive Rates | Competitive Rates |
| 30 Year Mortgage | 30 years | Rates change daily | Rates change daily |
| 15 Year Mortgage | 15 years | Rates change daily | Rates change daily |
Interest Rates are current as listed and are subject to change. The rates displayed do not represent a loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Loan pricing can be locked only through a loan officer. Other restrictions may apply.
Please call (270) 526-3881 for additional rate options.
**Home Equity Line of Credit – The Interest Rate is variable and based upon a index plus a margin. The Rate will vary with Prime Rate (the index) as published in the Wall Street Journal.
For more loan details contact a Lender at 270-526-3881 or contact us.