Digital Banking

24/7 Access to Your Bank Accounts.

Managing your financial life has never been easier!

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The ultimate perks come standard.

The right financial partner will help you save time, money, and energy by offering a suite of products and services that make life simpler, at no charge!  The benefits and features of our Digital Banking platform will give you both freedom and convenience, and they come standard with our accounts.  All you have to do is sign up!  How simple is that? 

At First Kentucky we want to make banking easier for you, and we are here for you at every step.  If you have questions, do not hesitate to contact us.

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Digital Banking Services

First Kentucky offers a robust Digital Banking platform that allows you to take control of your accounts 24/7, even on the go!  Including both online and mobile app access, you can monitor your account activity, set up security and account alerts, schedule payments, view statements, manage your debit card access, and much more!  Managing your financial life has never been easier! 


With First Kentucky’s Digital Banking you have access to all of these convenient features online and with our mobile app: 

  • View detailed account information, including activity and check images 
  • Transfer funds between your First Kentucky accounts 
  • View electronic deposit account statements  
  • Pay bills (enrollment required) 
  • Send money to family and friends with Person-to-Person (P2P) payments (enrollment required) 
  • Manage your debit card access with features like turning your card on and off, changing your PIN, notifying us if your card is lost or stolen, and reporting your travel plans to us  
  • Transfer funds between your First Kentucky accounts and accounts you own at other institutions (enrollment required) 
  • View your annual tax documents from First Kentucky 
  • Set up security and account alerts 
  • Send us a secure message, request a change of address, and submit a Digital Banking enrollment form for your business or minor child 

Our mobile app also allow you to: 

  • Deposit checks using Flash Deposit 
  • Make signing in faster with our optional TouchID fingerprint or PIN sign-in features 
  • View basic account information such as balances and activity without the need to sign-in with our optional Auto-Login feature. 


Enrolling in Digital Banking is quick and easy!  To enroll online, simply click the Digital Banking Enrollment link below.  You may also enroll on your mobile device through our app available in the Apple App Store and Google Play.   

If you wish to enroll your business in Digital Banking, you should select the Business Enrollment Form link located on our registration page.  If you need assistance, do not hesitate to contact us.  We are here to help! 

Enroll Now    Terms & Conditions   Contact Us Today


Yes!  We utilize the industry best practices for Digital Banking, such as: 

  • HTTPS 
  • 128-bit SSL encryption 
  • Password, PIN, or fingerprint access 
  • Automatic time-out after a period of inactivity 
  • Automatic lock out after multiple failed sign-in attempts 

For more information about online and mobile security, visit our Security Center


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Person 2 Person Payments (P2P)

Need to pay a friend back for lunch, or send money to your son or daughter away at college? First Kentucky’s P2P feature allows you to quickly send money to friends and family without the need to write a check or exchange cash.

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To send money, all you will need is the recipient’s cell phone number or email address.  There is no need for you to know the recipient’s account or debit card number, and the recipient does not need to be a First Kentucky customer.  Set up payments quickly from the Move Money page available both online and through our mobile app.  

To receive money, the recipient will need to have an active Visa or MasterCard debit card issued by a bank located in the United States.  The recipient will receive a text message or email with instructions on how to receive the payment.  Once they have completed the easy-to-follow instructions, the money will be sent to them within minutes. 


Once you are enrolled in First Kentucky’s Digital Banking, you may enroll in P2P payments by selecting the Messages option, then selecting “Or Choose a Form to Submit.” 

Terms and conditions apply

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Flash Deposit

With Flash Deposit from First Kentucky, there is no need to make a run to the bank to deposit a check. Available with both our Apple and Android apps, Flash Deposit is a convenient way to deposit checks from anywhere and on your schedule.

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First Kentucky’s Flash Deposit is free and super easy to use!  Simply log into Digital Banking on your Apple or Android app, select Deposit Checks from the Menu and follow the on-screen instructions. Snap a picture of the front and back of your check, tap Submit and you’re all set! 

Funds from checks deposited through Flash Deposit before 3:00pm CST Monday through Friday, excluding holidays, will generally be available the next business day.  See the complete list of terms and conditions for additional information.

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Out-of-Band Authentication (OOBA)

Want the peace of mind knowing that an enhanced security feature is helping protect your Digital Banking? Request Out-of-Band Authentication (OOBA) today! OOBA provides enhanced security by requiring two pieces of evidence, Digital Banking credentials and verification through a separate communication channel, to verify a user’s identity before granting access to Digital Banking. Our separate communication channel options include call, text message or mobile application.

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Once you are enrolled in First Kentucky’s Digital Banking, you may enroll in OOBA by selecting the Messages option, then selecting “Or Choose a Form to Submit.” Once your request has been processed you will be prompted to complete OOBA setup upon your next Digital Banking login.

Terms and conditions apply.

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Mobile Wallet

You already know your First Kentucky Visa Debit card is convenient and almost effortless to use. Adding your First Kentucky Visa Debit card to the mobile wallet on your smartphone or smartwatch takes the convenience to the next level!

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Your mobile wallet allows you to quickly and securely pay for your purchases at participating retailers with a simple tap of your smartphone or smartwatch.  No need to drag out your wallet!  We offer mobile pay with the following apps: 




To start enjoying the convenience of using your First Kentucky Visa Debit card with your mobile wallet, simply open the mobile wallet app on your smartphone or smartwatch and follow the instructions to add your First Kentucky Visa Debit card.  Depending on which mobile device you are using, it may be necessary for you to download the mobile wallet app. 


Follow the link for your mobile device below for more information: 

Apple Pay:  

Google Pay:  

Samsung Pay:  

Garmin Pay:  

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Bill Pay

Your time is valuable. Why waste it paying bills? First Kentucky’s Bill Pay allows you to easily pay your bills 24/7 using Digital Banking, both online and through our mobile app. With features that allow you to pay an unlimited number of payees, set up automatic payments for your recurring bills, set up text or email alerts for your Bill Pay activities, and access to your payment history, why would you pay your bills any other way?

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Ready to sign up?  It’s easy!  Once you are logged into Digital Banking, simply select Move Money from the menu, then select Enroll Now in the Bill Pay Enrollment box. 

Ready to begin paying your bills?  Well, that’s easy, too!  Just log into Digital Banking online or on your mobile app, select Move Money from the menu, then select New Transaction. 


Have a Bill Pay question at 10:00pm on a Tuesday?  No problem!  Bill Pay Support is available to you Monday through Friday, from 7:00am to 1:00am, Central time.  Bill Pay support is available by phone at 833-383-0374 and through live chat on the Move Money page.   

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Text Banking & Text Alerts

Utilize Text Banking to simply send a text to our short code, 662265, to quickly receive balance information and activity for your accounts. Text Alerts allow security and account alerts to conveniently be sent via text message to your verified device.

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Once you are enrolled in First Kentucky’s Digital Banking, you may add and verify a device to turn on Text Banking and Text Alerts. Click here for step-by-step instructions!


BAL Returns balance on default account
BAL ALL Returns balance for all accounts
BAL [NICKNAME] Returns balance on nickname account
ACT Returns activity on default account
ACT [NICKNAME] Returns activity on nickname account
CMD Returns short list of commands
HELP Returns a phone number for support

Terms and conditions apply.


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Personal Banking

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Business Banking

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Customer Support

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Wealth Management

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