Contactless Debit Cards & Mobile Wallet

Your money is always within reach with our secure, convenient Contactless Debit Cards and Mobile Wallet.

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contactless debit card image depicting silver and yellow cards for business and personal FKB debit cards

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Debit Card Convenience You Can Count On

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.

Highlights:

  • Instant Access to Your Money – Use your funds anytime, anywhere
  • Accepted Worldwide – Shop confidently in-store, online, and abroad
  • Contactless Payments – Tap and go for quick checkout
  • Real-Time Alerts – Stay informed with transaction notifications
  • Fraud Protection – Advanced security keeps your money safe

Designed for Everyday Convenience:

  • Flexible Payment Options
    Use your physical debit card or your mobile wallet-whichever is most convenient for you.
  • Mobile Wallet Ready
    Add your card to Apple Pay®, Google Pay™, or Samsung Pay® on your phone for easy, on-the-go payments.
  • 24/7 Account Access
    Check balances, transfer funds, and track spending anytime with Digital Banking (online and mobile banking).
  • ATM Access
    Access your cash when you need it with your VISA® debit card—accepted at thousands of ATMs nationwide.
  • Card Controls
    Lock/unlock your card, set limits, and manage spending directly from your 1st Kentucky mobile app.

Your Security Comes First:

We take protecting your money seriously. Our debit cards include:

  • Zero liability protection for unauthorized transactions*
  • Chip technology for added security
  • 24/7 fraud monitoring

Ready to Get Started?
Enjoy the convenience, control, and confidence of a debit card built for you.

  • Request Your First Kentucky Visa® Debit Card today! Contact us at 1-866-839-6271 or visit a branch near you.

Terms and conditions apply. Fees may vary. Contact us or review account disclosures for full details.

* Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions
not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately
of any unauthorized use. Contact your issuer for more detail.

 

Use Your Mobile Wallet for Fast, Secure Payments

Add your debit card to Apple Pay, Google Pay, or Samsung Pay for fast, secure payments in-store, online, or in apps—just tap your phone.

  • Fast, Contactless Checkout
    With your debit card stored in your mobile wallet, you can enjoy tap-to-pay convenience wherever contactless payments are accepted. Just unlock your phone and tap—it’s that simple.
  • Secure Mobile Wallet Payments
    Mobile wallets use advanced security features like encryption and tokenization, so your actual debit card number is never shared with merchants. Each transaction uses a unique code, helping protect your account from fraud.
  • Built-In Protection
    Your mobile wallet is safeguarded by your device’s security features, including fingerprint, facial recognition, or passcode authentication. If your phone is ever lost or stolen, you can quickly disable your mobile wallet remotely.
  • A Safer, Smarter Way to Pay
    Using your debit card with a mobile wallet gives you the perfect combination of convenience, speed, and security—so you can make purchases confidently wherever you go.

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Contactless Debit Card FAQs

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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.

tap to pay nfc symbol from visa


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?

  • There may be a fee to replace your debit card if it is lost, stolen, or damaged. For the most up-to-date fee information, please refer to our current fee schedule or contact us.

Do you offer instant debit cards?

  • Yes, we offer instant issue debit cards at all 10 of our office locations, so you can get a new card the same day you visit.

Is there a fee for an instant issue debit card?

  • There is no fee for an instant issue debit card when opening a new account. If the instant issue card is a replacement for a lost, stolen, or damaged card, a replacement fee may apply. Please refer to our fee schedule for details.

Why should I use contactless payments?

Contactless payments offer:

  • Faster checkout
  • Reduced physical contact
  • Secure transactions
  • Convenient everyday use

 

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Mobile Wallet FAQs

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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:

  1. Open your device’s wallet app
  2. Tap “Add Card”
  3. Enter or scan your card details
  4. Complete the verification process
  5. See our Mobile Wallet Setup Guide (Apple/Google) for additional help.

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:

  • Fast, tap-to-pay convenience
  • Enhanced security features
  • Easy access without carrying a wallet
  • A safer way to pay on the go

 

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Apple Pay Wallet

apple pay wallet setup steps

Google Pay Wallet Setup

google pay wallet setup steps

Have additional questions?

Give us a call at 1.866.839.6271. We are here to help!

 

Additional Resources:

Digital Banking

Lost/Stolen Card

Security Center

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Chat with a representative