Checking
One size does not fit all when it comes to checking accounts. That's why at First Kentucky Bank, we offer a variety of checking account options designed to complement a broad spectrum of lifestyles. Our customer service representatives can assist you in choosing the perfect account to fit your needs.
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, premium rate on balances of $1,500 or more
- Interest paid monthly
- Unlimited check writing privileges
- Free ATM or Visa® Check Card
- Free Online Banking with Bill Pay
The monthly service charge 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 balance with First Kentucky Bank is $5,000 or more
* Accounts that fall below the minimum balance requirements are assessed a monthly service charge of $7.50.
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 and/or Individual Retirement Account investments in excess of $5,000.
- Interest is earned on the daily balance
- Premium rate paid 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
- Exclusive CD specials
- Free wallet-style Platinum Service checks
- Free cashier's checks & travelers checks
- Discount on safe deposit box rental
- Stop payments at no issue charge
- Free ATM or Visa® Check Card
- Free Online Banking with Bill Pay
Platinum Service Checking benefits are provided at no service charge for members who maintain a minimum $5,000 total deposit relationship; otherwise the monthly membership fee is $8.00.
E-Checking
We live in a world that is increasingly technology driven, so we've designed a "paper-less" checking account for customers who prefer to do business and receive data in electronic form.
- No monthly service fee
- No checks
- Direct Deposit of Payroll
- Free ATM or Visa® Check Card
- Free Online Banking with Bill Pay
- Access your monthly statement online
- Earn interest on all balances
NO INTEREST OPTIONS
BanClub
If you're looking for a checking account jam-packed with extra features like free checks, insurance and travel & entertainment discounts, then BanClub 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 Banclub checks
- Free cashier's checks
- Free travelers checks
- $10,000 accidental death insurance
- Unlimited check writing privileges
- Free ATM or Visa® Check Card
- Free Online Banking with Bill Pay
- Discount on safe deposit box rental
- Traveler's Advantage®
- Hotel and car rental discounts
- and so much more!
Better Than Free Checking
Our most popular checking account, Better Than Free 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 charge
- Free first order of 50 checks
- Unlimited check writing privileges
- Free ATM or Visa® Check Card
- Free Online Banking with Bill Pay
Kentucky Club Checking
For our customers ages 50 & Better, Kentucky Club checking features the same great benefits as our Better Than Free checking account, plus you are automatically enrolled as a member of the Kentucky Club — the bank's travel & activities club.
Teen Checking
It's never too soon for kids to begin learning how to responsibly manage their finances! Teen Checking has all the features of our Better Than Free checking account, meaning a no service charge checking account for teens ages 13-18.
Collegiate Checking
What an exciting time of your life! Now that you've enrolled in college, technical school or other training for your chosen vocation, it's time to begin building your good credit rating with a Collegiate Checking account. Designed for students ages 19-23, this no service charge, portable checking account is perfect for an enterprising young adult on the move.
CHECKING SERVICES
Free VISA® Check Card
Write fewer checks and maintain a complete record of your purchases on your checking account statement! Use the First Kentucky Bank 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
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.
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.
Telephone Banking
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
Online Banking
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 1st Kentucky Express Online Banking.
Online Banking with Express Bill Payment
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 1st Kentucky Express ATM nearest you.
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