Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Our card services are designed to give you flexibility, convenience, and control—whether for personal use or your business.
Our card services are designed to give you flexibility, convenience, and control—whether for personal use or your business. We offer secure contactless Visa debit cards that make everyday spending fast and easy, along with powerful personal and business credit card options to help you manage expenses, build credit, and access funds when you need them. With modern features, strong security, and seamless usability, our cards are built to support your financial life at every step.
Your First Kentucky Visa® Debit Card makes managing your money simple. Whether you’re shopping online, grabbing coffee, or paying bills, you’ll enjoy fast access to your funds with built-in protection.
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!
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:
Finding the right credit card is simple with options designed for both personal and business needs—whether you want to build credit, earn rewards, maximize cash back, or manage expenses. All of our cards offer flexible purchasing power, mobile payment capability, and worldwide acceptance, along with Zero Fraud Liability and 24/7 cardmember support. Business cards also include added benefits like free online expense reporting tools and no fee for additional employee cards, making it easier to manage and grow your business with confidence.
If your First Kentucky Visa Debit or ATM card is lost or stolen, please notify us as soon as possible.
You may report your lost or stolen Visa Debit card through the Manage Cards option within Digital Banking. This option is available 24 hours a day and will immediately disable your card.
You may also notify us of your lost or stolen Visa Debit or ATM card by calling one of the following numbers:
Monday through Thursday, 8:00 am to 4:00 pm and Friday, 8:00 am to 6:00 pm: 866-839-6271
After hours, including weekends and holidays: 844-202-5333
If you notice suspicious or fraudulent activity on your account, please notify us as soon as possible using one of the notification methods below.
Please call us Monday through Thursday, 8:00 am to 4:00 pm and Friday, 8:00 am to 6:00 pm at 866-839-6271.
If the suspicious activity has occurred with your Visa Debit or ATM card and you are contacting us after hours, including weekends and holidays, you should also turn your card off through the Manage Cards option within Digital banking or by calling 844-202-5333.
What is a contactless debit card?
A contactless debit card allows you to make payments by simply tapping your card near a secure payment terminal, instead of inserting or swiping it.
How do contactless payments work?
Contactless payments use near-field communication (NFC) technology to securely transmit your payment information when you tap your card near a terminal. Transactions are completed in seconds.
How do I know if my card is contactless-enabled?
Look for the contactless (tap-to-pay) symbol on your card and at checkout terminals. If you see this symbol, your card is ready to tap and pay.
Is tapping my card safer than swiping?
Yes. Contactless payments use encrypted data and do not expose your full card details, making them more secure than traditional swipe transactions.
Where can I use my contactless card?
You can use your contactless card anywhere you see the contactless (tap-to-pay) symbol at checkout, including grocery stores, restaurants, and retail locations.
Do I need to enter a PIN when using contactless?
For many everyday purchases, you can tap and go without entering a PIN. For larger transactions, you may be asked to insert your card or enter your PIN for added security.
Can I still insert or swipe my contactless card?
Yes. Your contactless card still works with chip insertion or magnetic stripe swipe if needed.
Is there a fee to replace my debit card?
Do you offer instant debit cards?
Is there a fee for an instant issue debit card?
Why should I use contactless payments?
Contactless payments offer:
What is a mobile wallet?
A mobile wallet is a digital version of your wallet stored on your phone or wearable device. It allows you to securely store your debit card and make payments using Apple Pay, Google Pay, or Samsung Pay.
How do I add my debit card to my mobile wallet?
To add your debit card:
Is it safe to use a mobile wallet?
Yes. Mobile wallets use encryption and tokenization, so your actual debit card number is never shared. Each transaction uses a unique security code.
Do I need internet access to pay with a mobile wallet?
No. Most in-store mobile wallet payments can be completed without an internet connection.
What happens if my phone is lost or stolen?
Your mobile wallet is protected by passcode, fingerprint, or facial recognition. If your device is lost, you can lock or erase it remotely to protect your account.
Where can I use my mobile wallet?
You can use your mobile wallet anywhere contactless payments are accepted, as well as for online and in-app purchases.
Are there fees for using a mobile wallet?
No, mobile wallets typically do not charge additional fees. They function just like your debit card.
Can I still use my physical debit card?
Yes. Adding your card to a mobile wallet does not replace your physical card—you can use both.
Why should I use a mobile wallet?
Mobile wallets provide:
Additional Setup Support
Follow the link for your mobile device below for more information:
Apple Pay: https://support.apple.com/apple-pay
Google Pay: https://pay.google.com/about/
Samsung Pay: https://www.samsung.com/us/samsung-pay/
Garmin Pay: https://explore.garmin.com/en-US/garmin-pay/
What types of credit cards do you offer?
We offer a variety of personal and business credit cards, including options for cash back, rewards points, low introductory rates, travel benefits, no annual fee, and building or improving credit.
What features come with your credit cards?
All cards include flexible purchasing power, worldwide acceptance, mobile payment capability, Zero Fraud Liability, and 24/7 cardmember service.
What additional benefits do business credit cards offer?
Business cards include free online expense reporting tools, no fee for additional employee cards, and features designed to help manage and track business spending.
How do I choose the right credit card?
The right card depends on your goals—whether you want to earn rewards, save on interest, manage expenses, or build credit, there’s an option to match your needs.
What should I do if my credit card is lost or stolen?
Contact cardmember service immediately using the number on the back of your card or your account statement to report the issue and have your card deactivated.
How do I report fraudulent activity on my credit card?
If you notice suspicious transactions, report them right away through cardmember service. Prompt reporting helps protect your account and ensures you benefit from Zero Fraud Liability protection (terms apply).
What should I do if my debit or ATM card is lost or stolen?
Report it immediately through the Manage Cards feature in Digital Banking (available 24/7) to disable your card, or call 866-839-6271 during business hours or 844-202-5333 after hours.
How do I report suspicious or fraudulent activity?
Contact us as soon as possible at 866-839-6271 during business hours, or email fkb@firstkentucky.com after hours. If your debit card is involved, turn it off in Digital Banking or call 844-202-5333.
Can I disable my card instantly?
Yes—use the Manage Cards option in Digital Banking anytime to quickly turn your card off if it’s lost, stolen, or showing unusual activity.
How can I monitor my account for unusual activity?
Set up account and debit card alerts in Digital Banking by selecting Manage Alerts to receive real-time notifications by text or email.
Am I protected against fraud?
Yes—your card includes fraud protection, and reporting issues quickly helps ensure your account remains secure.
