Personal Banking

Products and services to fit all your needs

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Personal Checking

You’re unique. One-of-a-kind.

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

We offer a variety of checking accounts designed to complement a broad spectrum of lifestyles. Whether you are 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.

Need assistance in choosing the perfect account for your lifestyle?

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Star Rewards Club Checking

The perfect choice for someone who wants peace of mind, unrivaled savings, and extra benefits.

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  • 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*
  • eStatement
  • Visa®Debit Card

Benefits Login

All of these benefits and more for the low monthly membership of only $6.95!

*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.

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Classic Checking

The perfect choice for someone who is looking for a simple, no-frills account.

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  • No minimum balance requirement
  • No monthly service fee
  • eStatement
  • Visa® Debit Card
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Kentucky Club Checking*

The perfect choice for someone who is looking for a simple, no-frills account.

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  • No minimum balance requirement
  • No monthly service fee
  • Free wallet-style checks
  • eStatement
  • Visa® Debit Card

*Must be 50 or better

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Platinum Service Checking

The perfect choice for someone who wants to earn interest on checking.

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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 over $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
  • eStatement
  • Visa® Debit Card

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.

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Interest Checking

The perfect choice for someone who wants to earn interest on checking.

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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
  • Monthly service fee of $7.50
  • eStatement
  • Visa® Debit Card

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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Bright Start Checking

Everyone needs help with finances from time to time.

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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
  • eStatement
  • ATM Card

*Bright Start customers who attend a financial workshop will receive a maximum refund of six months’ monthly service fees for accounts in good standing. After the customer’s account is in good standing for six consecutive months, the customer can upgrade.

Personal Savings

Start Saving!

Savings to fit your needs now & in the future.

Providing for the future often means putting something aside today. At First Kentucky Bank, we make it easy to get the most out of your everyday savings and long-term savings plans. Whether you are establishing a rainy-day fund or just looking to help your children learn the value of a dollar, we’ve got a savings option to meet your needs.

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SAVINGS

Save for a rainy day! Make a $50 deposit to get things started.

Details

  • Interest is earned daily and paid quarterly
  • ATM card access is available
  • No monthly service fee
  • No minimum balance requirement

* If the Combined Statement option is chosen, your savings statement will be included in your monthly combined statement. Fees could reduce account earnings.

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KIDS 1ST SAVINGS CLUB

Any child age 12 & under is eligible.

Details

  • Open the account with a $5.00 deposit
  • The Kids Club account is free (no monthly service fee)
  • Interest is earned daily and paid quarterly

* The Kids Club savings account must be a joint account with a parent or legal guardian. Fees could reduce account earnings.

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CHRISTMAS CLUB SAVINGS ACCOUNT

A great way to start saving now for the next holiday season!

Details

  • $50 minimum deposit
  • Automatic transfers from First Kentucky account

Fees could reduce account earnings.

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MONEY MARKET

The perfect choice for the depositor who wants to earn higher interest rates on larger balances yet still wants the money to be easily accessible and FDIC insured.

Details

  • Open your account with a deposit of $50 or more.
  • Interest is paid on all balances, but is tiered, so you can earn a higher rate based on your balance
  • Interest is credited monthly
  • Monthly account statement
  • Free online banking
  • ATM card access is available

 

Low Risk, Higher Interest. Save For the Future With A Long-Term Savings Option.

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HEALTH SAVINGS

Health Savings Accounts (HSAs) provide an alternative to traditional health insurance by offering you a different way to pay for health care. With an HSA, you can pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. To qualify, you must be covered by a High Deductible Health Plan (HDHP). It is recommended that you consult with your insurance provider to determine your eligibility.

Fees could reduce account earnings.

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CDs

Want to earn better interest without putting your savings at risk? A safe, secure First Kentucky Bank Certificate of Deposit is FDIC-insured and serves as a steady alternative to volatile investments. With terms from thirty-one days to five years, our CDs can help you reach the savings goals you have in mind.

  • Open with a deposit of as little as $500.
  • Earn competitive interest rates on flexible terms.
  • Reinvest your interest, have it direct deposited, or receive a check.

*Certain conditions apply. A penalty may be imposed for early withdrawal.

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Individual Retirement Accounts (IRAs)

It’s never too early — or too late — to start planning for your retirement. An IRA is a long-term savings plan that lets you build a nest egg for your retirement.

  • Open an IRA with a deposit of as little as $100.
  • Interest on the principal accumulates on a tax-deferred basis.
  • Contributions are potentially tax-deductible (consult your tax advisor for more details).

A penalty may be imposed for early withdrawal.

** Consult your tax advisor to discuss your individual tax situation.

Personal Lending

A tailored loan to match your Next Big Step

That’s the benefit of working with First Kentucky Bank, a locally owned and operated institution.

Our approval process is quick and flexible, saving you both time and money. We offer a variety of consumer and mortgage loan products, including our popular Home Equity Lines & Loans.

Our friendly, experienced lending professionals are ready to help get the loan process started for you, whether you prefer applying in person or online!

To apply online for a Home Loan, visit our Mortgage Center.  To fill out an online inquiry for a Consumer Loan, use our Loan Inquiry Form.  For assistance, call or visit a Loan Officer near you.

All credit subject to approval. Terms and conditions apply.

Find Loan Officer  Mortgage Center Loan Inquiry Form

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CONSUMER LOANS

Buying a car or a boat? Adding a room to the house or renovating the kitchen? Looking for a way to finance a dream vacation? First Kentucky Bank offers a variety of consumer loans to help you reach your goals.

  • Automobile Loans
  • Boat / Camper / Recreational Vehicle Loans
  • Mobile Homes
  • Personal Loans
  • Secured Fixed-Rate Loans
  • Debt Consolidation

 

Loan Inquiry Form

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MORTGAGES

At First Kentucky Bank, we offer a full line of home financing products to meet your needs— whether you are building, buying, refinancing, making improvements, or using the equity in your home.

  • HELOC
  • HOME EQUITY
  • MORTGAGE

 

Mortgage Center

Prosper with First Kentucky

Our site is your resource to financial issues and questions you may have. Whether you’re a teen getting ready for college, a newlywed couple or a seasoned saver there is always something new to learn!

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Digital Banking

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Customer Support

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Personal Credit Cards

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Wealth Management

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