Free Checking

• No minimum balance is required.
• No check images are provided with this account.
• A deposit of $100 is required to start account.
• VISA Debit Card is available.
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

First Checking

• No monthly fee is assessed by maintaining a balance of $600 minimum balance.
• A deposit of $100.00 is required to open an account.
• Unlimited check writing.
• No charge for ATM and debit card withdrawals at First National Bank of Kentucky-owned ATMs.
• VISA Debit Card available.
  • If the minimum balance falls below $600.00 during the statement cycle, the account will be charged $6.00.
  • Please see Customer Service Representative for a complete disclosure regarding additional terms and conditions.

First NOW

• This account is a tiered interest-bearing account.
• No monthly service fee is assessed by maintaining a $1,000.00 minimum balance.
• A deposit of $1,000.00 is required to open an account.
• Unlimited check writing.
• No charge for ATM and debit card withdrawals at First National Bank of Kentucky-owned ATMs.
• VISA Debit Card available.
  • The interest paid on this account depends on the daily balance and may change at any time at our discretion. Interest is computed monthly and will be credited to the account monthly. You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield. If this is not maintained, a $15.00 service charge will be applied. Only personal accounts are available for NOW accounts.
  • Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

Prime Gold

• No monthly service fee is assessed by maintaining a $5,000.00 minimum balance.
• A deposit of $5,000.00 is required to open an account.
• Unlimited check writing.
• No charge for ATM and debit card withdrawals at First National Bank of Kentucky-owned ATMs.
• VISA Debit Card available.
  • Interest paid on this account depends on the daily balance and may change at any time at our discretion. Interest is computed monthly and will be credited to the account monthly. You must maintain a minimum balance of $5,000.00 to obtain the disclosed annual percentage yield. If the minimum balance is not maintained, a $25.00 service charge will be applied.
  • Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

Money Market Checking

• A deposit of $2,500.00 is required to open an account.
• Available to personal and business customers.
• The interest paid on this account depends on the daily balance and may change at any time at our discretion. Interest is computed monthly and will be credited to the account monthly. You must maintain a minimum balance of $2,500.00 to obtain the disclosed annual percentage yield. If it is not maintained, a $20.00 service charge will be applied. There is a $10.00 fee per withdrawal over the allowed number of withdrawals.
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

Statement Savings

• This account is an interest-bearing account that is compounded quarterly.
• A deposit of $50.00 is required to open an account.
• There will be a charge of $3.00 per withdrawal for each withdrawal in excess of six (6) per calendar quarter if the daily balance goes below $1,000 at any time during the quarter.
• The interest paid on this account depends on the daily balance and can change at any time at our discretion. Interest is computed quarterly and will be credited to the account quarterly.
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

Christmas Club Savings

• This account is an interest-bearing account.
• A deposit of $10.00 is required to open an account.
• No monthly fee is assessed with this account.
• You can make deposits at any time in any amount.
• Interest will not be compounded on this account and will be paid at maturity. Early withdrawals will be assessed a $25.00 fee. If account is closed before the maturity date, you will not receive the accrued interest.
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

Certificate of Deposit

3 Months, 6 Months, 12 Months, 18 Months, 24 Months, 36 Months, 48 Months

• A deposit of $1,000.00 is required to open an account.
• Interest is paid every six months.
• Interest can be compounded or deposited to checking or savings account.
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions and call for rates.

Individual Retirement Account

Traditional IRA and Roth IRA

• Avoid immediate taxation and possible penalties
• Earnings on your retirement dollars grow deferred until withdrawn
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions.
• The tax structure is unlike that of any other IRA: contributions are post-tax, but growth is tax-free. Once you put your money in, you never pay taxes again.
• It offers simpler distribution requirements. Since you have already paid taxes up front, there are no minimum distribution requirements.
• Since withdrawals are not re-portable income, they won’t affect your adjusted gross income during retirement.
• The one potential downside to a Roth IRA is that taxes are paid while working, rather than upon retirement when your tax rate is likely to be lower.
• Please see a customer service representative for a complete disclosure regarding additional terms and conditions and call for rates.

Digital and Mobile Banking

Digital Banking Services

• Digital Banking is available for Desktop, tablets, and mobile devices
  • Mobile App Available for download on iOS and Android devices
• Account Management
• Peer-to-Peer transfers
• BillPay
• Mobile Check deposits
• Debit Card Management
• Security Alerts
• Electronic Statements