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To Report a Lost or Stolen ATM or Debit card during business hours, please call customer support.

Customer Support

Central Kentucky:

859-236-4181 Main Office
859-236-4277 Ridgefield
859-792-3368 Lancaster

Frankfort:

502-223-1638 Main Office
502-695-3400 East Frankfort
502-223-3472 West Frankfort


To Report a Lost or Stolen ATM or Debit card after business hours:

Call 1-800-528-2273


Voice Banking   

24 hour Tele-banking

1-800-436-5142 or

1-877-832-6798



ABOUT TRUST ONLINE

 

Savings Options

 

SIMPLY SAVINGS

(Limited transactions, interest bearing account)

  • $50 Minimum deposit to open, $10 if under 18 years of age 
  • Monthly minimum balance fee: $3 if daily balance falls below $100
  • Dormant Account Fee: $5 per month if account becomes inactive for 12 months and balance is below $100
  • Interest compounded daily, posted monthly
  • Limited to 6 withdrawals per month. 
  • ATM card is not available for this account
  • An account passbook is provided 
  • Direct Deposit and Pre-authorized transfers not available
STATEMENT SAVINGS

(Limited transactions, interest bearing account)

  • $50 Minimum deposit to open
  • Monthly balance fee: $5 if daily balance falls below $100
  • Dormant Account Fee: $10 per month if account becomes inactive for 12 months and balance is below $100
  • Interest compounded daily, posted monthly
  • ATM Card is available upon approval with this account
  • Monthly statement provided
  • Direct Deposit and Pre-authorized transfers available
MONEY MARKET DEPOSIT ACCOUNT

(Limited transactions, interest bearing account)

  • $1,000 Minimum deposit to open
  • Tiered interest rates; rate subject to change
  • Monthly balance fee: $5 if balance falls below $300
  • Dormant account fee: $10 per month if account becomes inactive for 12 months and balance is below $100
  • Limited to 6 transfers per monthly statement cycle
  • Monthly statement with images provided or E-statement with images available
  • Interest compounded monthly, posted monthly 
CERTIFICATES OF DEPOSIT
  • $500 Minimum deposit to open
  • Term options: 3 month to 5 year 
  • Interest options:

      -Compounded quarterly, posted quarterly

      -Deposit to FFSB or CKF account

      -Mail Check monthly, quarterly, or semi-annually

  • Interest rates and APY's* are fixed for the term of the certificate
  • Automatically renewable
  • Penalty for early withdrawal
Christmas Savings
  • $5 (50 weeks) Minimum deposit to open   $250 total
  • $250 minimum balance to avoid service charge
  • $5 service charge fee if balance < $250 at maturity
  • $5 service charge if withdraw before maturity
  • Interest compounded daily, credited at maturity 
  • No ATM/Debit cardInterest options:
  • Receive check for principal and interest at maturity

 

 

INDIVIDUAL RETIREMENT ACCOUNTS

$500 Minimum deposit to open

  • Allowable contributions
  • All earnings are tax deferred
  • Term: 2 year 

         - Interest compounded quarterly, posted quarterly on IRA certificates

         - Interest rates and APY's* are fixed for the term of the certificate

  • Retirement Accounts available: 
             - Traditional
             - Roth
    Flexible no-penalty "distribution" after age 59 1/2 

    *APY=ANNUAL PERCENTAGE YIELD

 

Deposit Insurance Fact Sheet