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Personal Checking

Personal Checking

Checking options for every lifestyle

At First Kentucky Bank, we provide a variety of options to fit your needs. We offer checking account options designed to complement a broad spectrum of lifestyles. We have options for the technology lover, the interest builder and those just getting started. Read more about our options with and without interest below.

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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No Interest Options


Classic Checking

Our most popular checking account, 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
  • Unlimited check writing privileges
  • No annual fee ATM or Visa® Check Card
  • Free Online Banking with Bill Pay
  • Free eStatements*
*Customers who choose to receive paper statements rather than eStatements will be charged a paper statement fee of $3.00 per month.

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E-Checking

For the technology-savvy customer, we’ve designed a paper-less checking account for customers who prefer to do business electronically.

  • No monthly service fee
  • No checks
  • Direct Deposit of Payroll
  • No annual fee ATM or Visa® Check Card
  • Free Online Banking with Bill Pay
  • Access your monthly statement online

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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 checks
  • Unlimited check writing privileges
  • No annual fee ATM or VISA Check Card®
  • Free Online Banking with Bill Pay

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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 checks free
  • No annual fee ATM Card
  • Free Online Banking
*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.

Star Rewards Club Checking

If you're looking for a checking account jam-packed with extra features like free checks, insurance, travel & entertainment discounts, then Star Rewards Club Checking is the option for you! Check out all of the great features you'll enjoy for a low monthly membership fee of $8.00.

  • Free wallet-style checks
  • $10,000 accidental death insurance
  • $5,000 ID Theft Insurance and Resolution Assistance Services
  • Unlimited check writing privileges
  • No annual fee ATM or Visa® Check Card
  • Free Online Banking with Bill Pay
  • Credit File Monitoring
  • Discount on safe deposit box rental
  • Cash Back Member Rewards
  • Entertainment Savers Guide

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Interest Bearing Options


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
  • Unlimited check writing privileges
  • No annual fee ATM or Visa® Check Card
  • Free Online Banking with Bill Pay

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.

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Platinum Service Checking

The Platinum Service checking account is our top-of-the-line offering 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
  • No annual fee ATM or Visa® Check Card
  • Free Online Banking with Bill Pay

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.

Fees could reduce account earnings.

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