family laughing together

Checking

Checking accounts shouldn’t be one-size-fits-all. From students to small business owners and everyone in between, our staff will help you find the best checking account for your lifestyle.

Free Checking

An account with no monthly service charges and unlimited transactions

  • 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

A basic account with a low monthly service fee

  • 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 Club

An account with extra benefits

  • No minimum balance is required.
  • 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.
  • Special club account checks are provided at no charge.
    • There will be an $8.00 service charge per month on this account. Following 400 check limitation, there will be a minimum check order charge.
  • No fee for cashier’s checks, traveler’s checks, and free notary service.
  • VISA Debit Card available.
    • Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

First NOW

The benefits of a checking account, with interest

  • 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

For VIP Customers

  • 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.

Student Checking

A great “starter account” for the youth of our community

  • A deposit of $25.00 is required to open an account.
  • No monthly fee is assessed until the student turns 24 years old.
  • No minimum balance is required.
  • VISA Debit Card available.
    • All statements received will not include checks and duplicate checks are not required, but are suggested.
    • Please see a customer service representative for a complete disclosure regarding additional terms and conditions.

Money Market Checking

Make money with your money

  • A deposit of $2,500.00 is required to open an account.
  • Available to personal and business customers.
  • You can make six (6) transfers from your account every four (4) week or similar period.
    • 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.
Banking on the computer

Online Banking

Access your account from anywhere with
First National Bank of Kentucky’s Online Banking.