Business Checking
Competitive rates, services and technology make First Kentucky Bank a business partner you can count on. Whatever the size of your business, First Kentucky Bank has the services and products you need to compete aggressively, operate efficiently or expand your business.
You can open any of our Business Checking accounts with a deposit of as little as $100. Plus, with Express Online Banking, you can conveniently view your accounts up to the minute and perform transactions electronically. Balancing your checkbook is a snap with our business friendly monthly statements and you can access your business account any time by using your Visa® Business Debit Card to make deposits and withdrawals at your nearest First Kentucky Bank ATM, plus make point-of-sale purchases at any merchant that accepts Visa®.
We've got a checking option that's right for you.
Business Basic Checking
Business Basic Checking is designed for small businesses that typically maintain a minimum daily balance of less than $5,000 and those that have a lower volume of transactions (less than 200 a month).
- No minimum balance required.
- A total of 200 items (any combination of checks paid and checks deposited) are allowed each month
- The account features a low monthly maintenance fee of $7.50. There is a .25 fee for each item in excess of 200 per month.
Business Interest Checking
For qualifying accounts, Business Interest Checking has all of the benefits of Business Basic Checking, plus lets you earn interest on the balance of your business account with unlimited access to your funds.
- Available to sole proprietorships and religious, non-profit or charitable organizations.
- Interest is earned on balances of $500 or more
- Earn a premium interest rate on balances of $1,500 or more
- Interest is paid monthly
- Unlimited check writing
- Unlimited deposited items
- No monthly service charge when the account maintains a daily balance of $500 or more
- All other Business Interest Checking accounts will be assessed a monthly service charge of $7.50.
Business Regular Checking
As your balances grow, so do your checking needs. Business Regular Checking is designed for small to medium sized businesses with a slightly larger volume of transactions.
- Up to 350 items (any combination of checks paid and checks deposited) are allowed each month
- No monthly maintenance charge when you maintain a minimum daily balance of $5,000 or more. The fee is $10.00 if balance falls below $5,000.
- There is a .25 fee for each item in excess of 350 per month.
Business Analysis Checking
Designed for larger businesses that maintain a high volume of transactions, the Business Analysis Checking Account saves you money by taking a detailed look at your monthly account activity and determining your monthly maintenance fee based on your actual activity.
Additionally, your charges may be reduced based on a daily earnings credit designed to reward our loyal business customers who maintain sufficient balances for their level of account activity.
Among the items considered in the Business Analysis formula are:
- $7.50 monthly maintenance fee.
- $0.15 per check paid.
- $0.07 for each on-us item deposited
- $0.09 for each item deposited from other banks
- $0.10 per each ACH item
- Qualifying accounts may be eligible to earn interest on their funds in lieu of the earnings credit.
Take Business Analysis Checking for a no-risk test drive. Click here for info.
Non-Profit Checking
As a devoted supporter of the communities we serve, First Kentucky Bank has provided a no service charge checking account option for non-profit organizations, such as churches, school groups and civic clubs.
- Available to non-profit organizations only
- No minimum balance
- No monthly service charge
- Unlimited check writing
- Unlimited deposited items
Business Checking Services
Free Business VISA® Check Card
Write fewer checks and maintain a complete record of your purchases on your business checking account statement! Use the First Kentucky Bank Business Visa® Check Card to make purchases anywhere Visa® is accepted and the funds are deducted directly from your checking account. A description of the transaction is included on your monthly checking account statement. Contact any First Kentucky Bank office to apply.
E-Statements for Business
If you prefer, you can get your easy-to-read monthly statement online. Each month, we'll send you an e-mail reminder when your new statement is available.
Your username & password will give you secure access to your statement via CSIeSafe where you can access up to three months of statement history. It's fast, simple and secure!
Best of all, e-statement is free when you choose it over receiving a regular paper statement.*
* customers who choose e-statement and still wish to receive a paper statement are subject to a $5.00 monthly service fee.
Corporate Statement CD-ROM
Get your monthly statement, plus images of all items posted to your account on a laser-disc created within five days of your statement date for just $30 per month. All the software needed to view your information is included for your convenience.
Corporate Transaction CD-ROM
Get images of all items posted to your account as well as deposited items via laser-disc. Software included. Cost is $30 per laser-disc.
Combined Statements
Enjoy the convenience of receiving information on all your accounts each month. That's right! You can combine activity and account balances from your loans, savings account, IRAs, and CDs with your monthly checking account statement. Just contact your nearest First Kentucky Bank office to sign up for this free service.
Express Telephone Banking for Business
You can access your accounts 24 hours a day, seven days a week from any touchtone telephone! Just call 1-888-505-6907 to access Express Telephone Banking for the following information:
- Account information
- Certificate of deposit rates
- Transfer funds between preauthorized accounts
- Tax information on interest earned or paid on your accounts
Express Online Banking for Business
Banking has never been more convenient! Through your personal computer, you can access account information and even process transactions securely through First Kentucky Bank Online Banking. Plus, you can sign up for Online Banking with Bill Pay for free! Check out all of these available online services:
- Up-to-the-minute account balances
- Transaction information
- Funds transfer between preauthorized accounts
- Stock quotes
- Free Bill Pay feature
- Account information can be exported into either Quicken® or Microsoft® Money.
Click here to enroll in First Kentucky Express Online Banking.
Express Bill Payment for Business
Imagine paying all your bills through your personal computer! First Kentucky Express Bill Payment makes this dream a reality. Make payments to utility companies, department stores, credit cards, etc. Best of all, this service is free! Click here to register.
ATM Banking
Twenty-four hours a day, seven days a week, our Automated Teller Machines are convenient and easy to use. There is an ATM at each First Kentucky Bank office, which can be used to perform any of the following transactions:
- Withdraw cash from checking and savings accounts
- Make deposits to checking and savings accounts
- Transfer funds between preauthorized accounts
- Obtain account balances
Click here to locate the First Kentucky Express ATM nearest you.
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