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First Kentucky Digital Banking Updates

Digital Banking

First Kentucky Bank is very excited to announce that we will soon have a new Digital Banking and Bill Pay platform! Our new platform will offer all the same functionality that you are familiar with today, while introducing several new features as well. The new platform will be available on August 18, 2020 at 12 PM CT.

In anticipation of the upgrade to our new platform, there are a few dates and some important information that we would like you to make note of.

EXTERNAL TRANSFER USERS

Prior to our upgrade on August 18th, external transfers must be submitted no later than August 12th at 2 PM CT and the effective date can be no later than August 17th. You may schedule new external transfers in the “Move Money” section of our new Digital Banking platform beginning on August 18th at 12 PM CT. Please remember that you will not be able to initiate external transfers from August 12th at 2 PM CT through August 18th at 12 PM CT.


BILL PAY USERS

Bill pay access will be unavailable beginning August 13th at 7 AM CT through August 18th at 12 PM CT. There will not be an interruption in bill pay payment processing for payments scheduled on our current bill pay platform prior to 7 AM CT on August 13th. Please remember that you will be unable to add, edit or delete payees and payments while bill pay is unavailable. You may access Bill Pay in the “Move Money” section of our new Digital Banking platform beginning on August 18th at 12 PM CT.

eBill Users – eBills will not convert to our new Digital Banking platform. Please remember to contact your payees to request paper or email statements. If you wish to continue to receive eBills you may reestablish those in our new Bill Pay platform beginning on August 18th at 12 PM CT.

Important Payment Processing Changes – With our new Bill Pay platform, bill pay checks will post to your account and a check image will be available, just like when you write a check off your account! Please make note that as of our update on August 18th, bill pay checks will continue to be delivered to the payee by the due date, but your account will not be debited until the payee negotiates the check which may be later than the due date. Electronic payment processing will remain as-is and continue to clear your account automatically via ACH on the due date. The bill pay payment method, electronic versus check, is determined by factors such as the payee’s ability to receive electronic payments.


SAVING TRANSACTION CATEGORIES AND TRANSFER DESCRIPTIONS

Transaction categories and transfer descriptions entered in our current Digital Banking platform will not convert to our new Digital Banking platform. Should you wish to save transaction category or transfer description data, you may do so by following the simple steps listed below:

Transaction Categories

  • Access your Digital Banking account prior to August 17th at 2 PM CT.
  • Click the account you wish to save data from, then click “Download File” on the right-hand side of the screen.
  • Use the dropdowns to select the “Format” and “Sorting” for your report.
  • Use the dropdown calendars or enter the “from” and “to” dates.
  • Additional filters may be selected by clicking “Add another filter.”
  • Click “Download File” and open the file for printing or save the file based on how you would like to retain this data.

Transfer Descriptions

  • Access your Digital Banking account prior to August 17th at 2 PM CT.
  • Click the “Transfers” dropdown and select “History.”
  • The “Transfer From” and “Transfer To” account dropdowns automatically populate to pull transfer activity for all accounts, but you may use the dropdowns to narrow your search.
  • Use the dropdown calendars or enter the “From” and “To” dates.
  • Click “View History.”
  • When the “Historical Transfers” page is displayed, click “Print this page” in the upper righthand corner of the page. You may print a copy of the report or save the report by printing to an electronic file printer, such as a PDF printer.

MOBILE BANKING APP USERS

Apple Users – On or after August 18th, Apple users will simply need to update their First Kentucky Bank app. To update your app, you will need to open the App store, then tap the Today icon at the bottom of your screen. Tap your profile icon at the top of the screen and scroll down to see pending updates. Tap Update next to your 1st Kentucky app to update to the latest version.

Android Users – On or after August 18th, Android users will need to uninstall their current First Kentucky Bank app and install the new app. To complete this process, go to your Settings app, then locate and tap Apps. Tap the 1st Kentucky app in the app listing and click Uninstall at the bottom of your screen. Tap OK to confirm you do want to uninstall the app. After the uninstall completes, access the Google Play Store app and search for 1st Kentucky. Tap the 1st Kentucky Bank Mobile app from the listing, then tap install to access our new app.


NOTIFY ME / ACCOUNT ALERTS USERS

Notify Me / account alerts established on our current Digital Banking platform will not convert to our new Digital Banking platform. You may continue to receive alerts by following these simple steps:

  • Access our new Digital Banking platform on or after August 18th.
  • Click the “Manage Alerts” section.
  • Click the + in the “My Alerts” pane and click “Custom” or “Security” to see the available alert options.
  • Use dropdowns and data fields to select the alert type, frequency, delivery time and delivery method.
  • Return to the “Manage Alerts” section and repeat the steps above if you wish to add multiple alerts.

OUTSIDE BALANCE USERS

Outside Balances, the service that allows you to view information, such as balances, from accounts you have with other financial institutions within your current First Kentucky Digital Banking, will no longer be available after August 17th. We apologize for any inconvenience the discontinuation of this service may cause. We are actively exploring options to offer this functionality within our new Digital Banking platform in the future.


INTUIT QUICKEN / QUICKBOOKS USERS

Intuit Quicken / QuickBooks Digital Banking aggregation will be unavailable beginning August 17th at 2 PM CT through August 25th at 8 AM CT. During this outage, Quicken Win / Mac Express Web Connect, QuickBooks Online (QBO) and Mint services will be unavailable. Intuit Quicken / QuickBooks users are encouraged to download a QFX/QBO file during this outage. Quicken Win / Mac Express Web Connect users will need to deactivate and reactivate the service with their new Digital Banking credentials after August 25th at 8 AM CT. To ensure a smooth transition and to be certain that you are able to continue using Quicken after that date, please log into your current Digital Banking account and refer to the Quicken instructions located in the Messages section.


NEW DIGITAL BANKING LOGIN INFORMATION

On your first log in on or after August 18th at 12 PM CT, please:

  • On the First Kentucky website, navigate to Online Banking, or you may also open the updated mobile app on your phone to begin the initial login process.
  • Enter your existing username in the Username field.
  • In the Password field you will enter a temporary password of your username + the last four digits of your SSN or EIN. If your username is jdoe and your SSN or EIN ends in 6789, then your temporary password will be jdoe6789. As this is a temporary password, you will be prompted to select a new password.
  • The system will then walk you through an initial registration process. You will setup a new password, three new security questions with answers and be asked to verify or update your email address. If we do not currently have an email address for you on file, the system will prompt you to enter a valid email address at this time. Your email address may be used for password resets, account alerts and institution communication.
  • You will then be logged in and may re-establish Bill Pay eBills and account alerts, should you wish to use those features.

ENHANCEMENTS AND NEW FEATURES

  • Person-to-Person (P2P) Payments – Quickly send secure payments to friends and family.
  • Move Money – Make P2P payments, bill pay payments, internal and external transfers all in one place.
  • Card Management – Protect your account with this new “on/off” switch if your card is lost or stolen.
  • Card PIN Change – Change your card PIN through Digital Banking, without coming into the bank.
  • Automatic Account Access – Skip the request, new account access is available next day within your existing Digital Banking.

We are thrilled about our new and improved Digital Banking platform and we know that you will be, too! Best of all, the enhancements and new features are provided to you at no cost to you. We apologize for any convenience created due to the short period that Digital Banking will be unavailable while the upgrade is completed. If you have questions or concerns about the enhancements to Digital Banking, please contact the First Kentucky office nearest you. Thank you.

IMPORTANT DATES AND TIMES

  • August 12th at 2 PM CT – External transfer requests submitted in our current Digital Banking platform must be submitted by August 12th at 2 PM CT and the effective date can be no later than August 17th.
  • August 13th at 7 AM CT to August 18th at 12 PM CT – Bill Pay will be unavailable to add, edit or delete payees and payments.
  • August 17th at 2 PM CT to August 18th at 12 PM CT - Digital Banking (online, app, mobile browser and text banking) will be unavailable.
  • August 18th at 12 pm CST - New Digital Banking and Bill Pay platform will be LIVE! External transfer requests and bill pay will be available in our new Digital Banking.

ITEMS THAT WILL CONVERT TO OUR NEW DIGITAL BANKING PLATFORM:

  • Your Username/Access ID
  • Transaction history
  • Scheduled transfers
  • Current Bill Pay payees and scheduled payments

ITEMS THAT WILL NOT CONVERT TO OUR NEW DIGITAL BANKING PLATFORM:

  • Passwords/Passcodes
  • Transaction categories
  • Transfer descriptions for both internal and external transfers
  • Notify Me / account alerts
  • eBills
  • Outside Balances
These items will need to be saved and/or downloaded prior to August 17th at 2 PM CT. You will be able to set these up again when our new Digital Banking platform goes live on August 18th at 12 PM CT.

YOUR TO-DO LIST:

  • Submit external transfer requests with an effective date through August 17th no than August 12th at 2 PM CT
  • Add, edit or delete any scheduled bill pay payments no later than August 13th at 7 AM CT
  • Save transaction category and transfer description data from our current Digital Banking platform no later than August 17th at 2 PM CT
  • Install our new Digital Banking app on your mobile device on August 18th
  • Log into our new Digital Banking and Bill Pay platform on August 18th at 12 PM CT
  • Continue to enjoy your current Digital Banking perks, as well as enhancements and new features including Person-to-Person payments, Card Management, Card PIN Changes and automatic account access!