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Personal Checking

Personal Checking

You're unique. One-of-a-kind.

So why go with a one-size-fits-all checking account?

Here at First Kentucky Bank, we offer a variety of checking accounts designed to complement a broad spectrum of lifestyles. Whether you’re looking for an interest-bearing account loaded with all the bells and whistles—or just want a basic account that gets the job done—you’ll find what you’re searching for right here at First Kentucky Bank.

Contact us or visit your local branch for assistance in choosing the perfect account for your lifestyle.

To understand our full disclosures, read them here!

To view our current fee schedule, click here.

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First Kentucky Perks

Rest assured no matter what Personal checking account you choose at First Kentucky Bank, you’ll enjoy the following convenient features at no charge:
Online Banking

Online Banking

Banking has never been more convenient!
(Learn more below)

Sign Up Today!

Mobile Services

Mobile Services**

Including Mobile Banking, Mobile Pay, Telephone Banking, and Flash Deposits

Get More Information

Bill Payment

Bill Payment***

With our app or online, you can easily and quickly pay bills.

Set Up Bill Payment

Statement Options

Statement Options

Combine checking, savings, and IRA account balances into one statement or sign up for FREE eStatements!
ATM or VISA Check Card

ATM or VISA Check Card*

ATM or VISA Check Card

Traditional Services

Night Deposit Boxes & Safe Deposit Boxes, Free Notary Public Services, Unlimited Check-Writing Privileges, and Wire Transfers with other Financial Institutions.
*Subject to approval. VISA Check Card is not available for Bright Start accountholders.
**Message and data rates may apply.
***Subject to approval. Message and data rates may apply. Bill Pay is not available for Bright Start accountholders.

Check out other Banking Perks


No Interest Options


Star Rewards Club Checking

Introducing our best checking account. Star Rewards Club Checking provides peace of mind, one of the most important benefits a financial institution can provide, unrivaled savings and is loaded with extra benefits. All of these benefits and more for the low monthly membership of only $6.95!

  • No minimum balance requirement
  • Free wallet-style checks
  • Discount on safe deposit box rental
  • Up to $10,000 Accidental Death & Dismemberment insurance
  • Cellular Telephone Protection1
  • IDProtect®2*: Identity Theft Monitoring and Resolution Services
  • Travel and Leisure Discount Membership*
  • $hopping Rewards*
  • Discounted Gas and Gift Cards*
*Registration/activation required
1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
2 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Open Account Now!


Classic Checking

Classic Checking provides a basic, no frills option for customers who want the freedom of no service charge checking.

  • No minimum balance requirement
  • No monthly service fee

Open Account Now!


Kentucky Club Checking

Are you age 50 or better? Looking for a basic, no frills option with no service fee and free checks? If so, then Kentucky Club is the account for you.

  • No minimum balance requirement
  • No monthly service fee
  • Free wallet-style checks

Open Account Now!


Bright Start Checking

Everyone needs help with finances from time to time. Bright Start is designed for individuals that have experienced difficulties maintaining a checking account in the past. If you're looking for a "Bright Start", then this account could be for you!

  • No minimum balance requirement
  • $7.50 monthly service fee*
  • First 50 wallet-style checks free
*Bright Start customers who attend a financial workshop will receive a maximum refund of six months' monthly service fees for accounts in good standing. Also, after account is in good standing for six consecutive months, customer can upgrade to a full-benefit account.

Interest Bearing Options


Platinum Service Checking

The Platinum Service checking account is designed to reward our customers for their total deposit relationship at First Kentucky Bank. Platinum Service Checking is the right option for any customer with Certificate of Deposit (CD) and/or Individual Retirement Account investments in excess of $5,000.

  • Interest is earned on the daily balance
  • Higher interest rate earned on accounts with balances of $1,500 or more
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Penalty-free withdrawals from all CDs for medical needs
  • Free wallet-style Platinum Service checks
  • Free cashier's checks
  • Discount on safe deposit box rental
  • Stop payments at no issue charge

Platinum Service Checking benefits are provided at no monthly service fee for members who maintain a minimum $5,000 total deposit relationship; otherwise the monthly membership fee is $8.00.

The membership fee of $8.00 will be assessed every monthly statement cycle if the combined balance of deposit accounts falls below $5,000.00 on any day of the statement cycle.
Fees could reduce account earnings.

Open Account Now!


Interest Checking

Do you typically keep a higher checking account balance? The Interest Checking option is designed for the customer who wants basic, no-nonsense checking — with interest.

  • Interest earned on balances of $500 or more
  • Earns an even higher rate on balances of $1,500 or more
  • Interest paid monthly

The monthly service fee on the Interest Checking account can be waived if:*

  • you maintain a minimum daily balance of $500 or more
  • you maintain a minimum daily balance of $1,000 in your Statement Savings account
  • your Certificate of Deposit (CD) balance with First Kentucky Bank is $5,000 or more
* Accounts that fall below the minimum balance requirements are assessed a monthly service fee of $7.50. Fees could reduce account earnings.

Open Account Now!


Personal Checking Account Comparison

Rest assured no matter which personal checking account you choose at First Kentucky Bank, you’ll enjoy the following convenient features at no charge:

  • ATM or Visa Check Card*
  • Online Banking
  • Mobile Banking**
  • Online and Mobile Bill Pay***
  • eStatements
  • Unlimited Check-Writing Privileges

*Subject to approval. VISA Check Card is not available for Bright Start accountholders.
**Message and data rates may apply.
***Subject to approval. Message and data rates may apply. Bill Pay is not available for Bright Start accountholders.

Non-Interest Accounts

Star Rewards Club


Classic


Kentucky Club**


Bright Start


$50 minimum required to open account $50 minimum required to open account $50 minimum required to open account $50 minimum required to open account
No minimum balance requirement No minimum balance requirement No minimum balance requirement No minimum balance requirement
$6.95 monthly membership fee No monthly service fee No monthly service fee $7.50 monthly service fee***
Free wallet-style checks Free wallet-style checks First 50 wallet-style checks free
Discount on safe deposit box rental
Up to $10,000 Accidental Death & Dismemberment insurance
Cellular Telephone Protection1
IDProtect®2*: Identity Theft Monitoring and Resolution Services
Travel and Leisure Discount Membership*, $hopping Rewards*, and Discounted Gas/Gift Cards
STAR REWARDS CLUB CHECKING
*Registration/activation required
1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
2 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
KENTUCKY CLUB CHECKING
**Must be 50 or better
BRIGHT START CHECKING
***Bright Start customers who attend a financial workshop will receive a maximum refund of six months' monthly service fees for accounts in good standing. Also, after account is in good standing for six consecutive months, customer can upgrade to a full-benefit account.

Interest Bearing Accounts

Platinum Checking


Interest Checking


$8.00 monthly maintenance fee*
(waived under certain conditions)
$7.50 monthly maintenance fee
(waived under certain conditions)
No minimum balance requirement Minimum balance requirement
Interest is earned on the daily balance Interest earned on balances of $500 or more
Higher interest rate earned on accounts with balances of $1,500 or more Higher interest rate earned on accounts with balances of $1,500 or more
Free wallet-style Platinum Service checks
& Free cashier's checks
Penalty-free withdrawals from all CDs for medical needs
Discount on safe deposit box rental
Stop payments at no issue charge
PLATINUM CHECKING
*Platinum Service Checking benefits are provided at no monthly service fee for members who maintain a minimum $5,000 total deposit relationship; otherwise, the monthly membership fee is $8.00. The membership fee of $8.00 will be assessed every monthly statement cycle if the combined balance of deposit accounts falls below $5,000.00 on any day of the statement cycle. Fees could reduce account earnings.


Additional terms, conditions, and fees may apply. See account disclosures and fee schedule for further details.

Other Personal Banking Services