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Mobile Banking

  • Enrollment and Resources
  • FAQs
  • Fraud Prevention

 

What can Mobile Banking do for you?

 

Our Mobile Banking Services allow you to make deposits, pay bills, view transactions and much more at a moment's notice!  It's a simple, secure and convenient way to manage your money whenever and wherever! 

 

Enrollment

 

  1. You must be enrolled in Internet Banking with First Capital Bank of Kentucky to enroll in the Mobile Banking Service.
  2. Once you're enrolled into Internet Banking, simply sign in to your Internet Banking account, navigate to the User Services tab, click on the Mobile Banking Enrollment link, and follow the instructions.  It's that quick and easy!

 

Additional Resources

 

 

 

Questions

 

 

Answers

 

General

 

How much does this service cost?

There is currently no charge associated with the service.  There is a fee of $0.50 per deposited item associated with Mobile Check Deposit.  There may also be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

 

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Is it secure?

Yes, the mobile banking service utilizes best practices from Internet Banking, such as HTTPS, 128-bit SSL encryption, PIN, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

 

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Which wireless carriers are supported?

We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select ’Other’ and try the Mobile Web option, or check back later, as new carriers will be added over time.

 

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Do I need a text message or data plan?

Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

 

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I’m not enrolled for Internet Banking. Can I still use this?

You must first enable your bank account(s) for Internet Banking before using mobile.

 

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What is Activation?

Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code which will be required to begin using Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

 

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Mobile Banking

 

What is First Capital Bank of Kentucky Mobile Banking?

Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, and find nearest ATM or branch locations.

 

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How do I access Mobile Banking on my phone’s browser?

After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time at by clicking the Mobile Banking Browser link found in the footer of this website.

 

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How do I sign up for Mobile Banking?

Sign in to Internet Banking on your computer and choose the Mobile Banking option. Enroll your mobile phone and follow the activation instructions.

 

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I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?

At the time of activation, a "cookie" is stored on your phone’s browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 96865.

 

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How do I optimize my mobile web experience?

We recommend 3 steps for an optimal experience: 1) Ensure your phone’s browser has cookies enabled. 2) Enable stylesheets on your browser. 3) Bookmark our Mobile Banking site.

 

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Is Mobile Banking supported on my phone?

Mobile Banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone®, Android® and BlackBerry®. Both mobile web and mobile applications can be found by clicking the Mobile Banking Browser link found in the footer of this website. 

 

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How do I install the downloadable phone application?

  • Your phone will receive a text message from 96865. Select to view (or open) the message (you can also view it later by going to your phone’s text message inbox).
  • Select the URL link in the text message. This is typically done by selecting a command on your phone’s menu, such as "Connect" or "Go To."
  • Sign in to the Mobile Banking Browser and select the Menu button in the top left.
  • You will then be brought to a page with a Download link. Click this link to download the application.
  • When finished, you will be notified that the download completed.
  • After launching the application for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.

 

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Is Mobile Banking supported on my tablet?

A tablet-optimized Mobile Banking application is available for the iPad®.

 

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How do I install the downloadable iPad® application?

  • After enrolling with Mobile Banking, you will be provided a link to download the application.
  • If you are using your computer to enroll with Mobile Banking, click on the link provided and download the application from the iTunes® Store. Then sync your iPad® device with iTunes® to install the application.
  • If you are using your tablet to enroll with Mobile Banking, simply tap on the link provided and download the application from the App Store.

 

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Text Banking

 

What is First Capital Bank of Kentucky Text Banking?

Text Banking gives you access to your accounts via text (SMS) messages on your phone. It’s a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

 

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What is First Capital Bank of Kentucky shortcode?

All text messages should be sent to 96865

 

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Can I use both Text Banking and Mobile Banking on my phone?

Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.

 

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Is Text Banking supported on my phone?

Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

 

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Will I receive unsolicited text messages?

No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

 

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What are the Text Banking commands?

FUNCTION COMMAND DESCRIPTION
Balance Bal Summary of available balances for all accounts
History Hist Summary of recent transactions per account
Command C List of available Text Banking commands
Help HE Help content for Text Banking
Login L Receive a URL for the First Capital Bank of Kentucky Mobile Browser website (user must first activate their mobile web browser)
Stop Stop De-activate all First Capital Bank of Kentucky text services
NOTE: You can check for additional available commands by activating your phone and sending C to 96865.

 

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Mobile Check Deposit

 

What is Mobile Check Deposit?

Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile phone into one of your accounts. With the First Capital Bank of Kentucky Mobile Banking app on your iPhone® or Android®, you can take a photo of your check, enter the check information and securely submit your deposit for processing.

 

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Is there a bank fee to deposit my check with my mobile phone?

There is a $0.50 fee per deposited item. There may also be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

 

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What accounts are required to be eligible for use with Mobile Check Deposit?

Only personal consumer checking and savings accounts that meet the standards of an “Eligible Account” as defined in the Internet Banking and Bill Payment Agreement can be setup for use with the Mobile Check Deposit feature.

 

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Where can I find the Deposit tab within my downloaded app?

All users should first download the latest version of the app from Google Play® or iTunes® Store.

Android® users: When you first open the app, you will see the main menu screen. You should select the Deposit Check option to begin your Mobile Deposit. Only those that are eligible for Mobile Deposit will be able to continue the deposit process after login.

iPhone® users: Open the app and complete the login process. Only those that are eligible to use Mobile Deposit will see the Deposit tab at the bottom of the home screen. Select the Deposit icon to begin your Mobile Deposit.

 

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Can I use Mobile Check Deposit with any mobile device?

Eligible phones include:

  • iPhone® (3G or higher) with iOS 4.0 or higher. Older iPhones® and devices without a camera are not supported. The iPad® and iPod Touch® are not supported at this time.
  • Android® (2.1 or higher) with a camera that supports auto focus.


You must also download and install the latest version of the First Capital Bank of Kentucky Mobile Banking app from iTunes® or the Google Play® Market.

 

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Are there transaction limits with Mobile Check Deposit?

Currently, deposits are limited to $2,000 per day and $5,000 per 30 day period.

 

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Are my checks deposited immediately?

Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Funds deposited before 3:30 p.m. on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit. If you transmit an item after 3:30 p.m., or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Check your "Deposit History" to see your deposit status.  Mobile Deposits are subject to the First Capital Bank of Kentucky Funds Availability Policy.

 

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How do I view my deposit history?

  1. Sign in to First Capital Bank of Kentucky Mobile Banking and select the "Deposit" tab.
  2. Select the "Get Deposit History" button and navigate to your Check.
  3. Click on a single deposit to view the available transaction detail.

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What should I do with the hard copies of my checks?

After successfully submitting a deposit with First Capital Bank of Kentucky Mobile Check Deposit, it is advisable that you keep all original documents in a safe place for personal records.  After 30 days you should dispose of the check(s) securely (i.e. shredding.)

 

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What types of checks are not eligible for Mobile Check Deposit?

  • Checks made payable to "Cash".
  • Checks drawn on a foreign bank or payable in a foreign currency.
  • Checks altered on the front of the check in any way.
  • Checks without an authorized signature. Demand drafts or remotely created checks.
  • Checks dated more than six months prior to the date of deposit.
  • Checks that have previously been returned stop payment or account closed.

 

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How do I deposit a check?

  • Your check should have a valid account number and check number
  • Before you begin, properly endorse your check with:
    • Your signature
    • Your account number
    • and “For FCBOK Mobile Deposit Only”
  • Sign in to Mobile Banking and select the "Deposit" tab.
  • Select the "Start New Deposit" button and navigate to the check deposit screen. You will need to complete the check deposit form in order to submit your deposit request. Note: "Continue" will appear disabled until all required fields are completed.
  • You should make sure your check is placed on a dark, well-lit, flat surface.
  • Select either the "Front" or "Back" camera icon to take a photo of your check.
  • Align the check image with the Camera viewfinder frame. Be sure to take a photo of the check side that matches the helper text: "Front" or "Back" in the viewfinder.
  • Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the "OK" button. If not, simply tap the "X" and try again.
  • After you have successfully taken photos of your check, you will see small thumbnail image previews on the check deposit screen.
  • In the "Amount" field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check.
  • Tap the "Account" field to select a deposit eligible account.
  • After all the required fields are completed, the "Continue" button will appear enabled.
  • Enter your email address in the "Email" field if you would like to receive an email receipt of your deposit request. Note: this is an optional field.
  • Review your entries and select the "Continue" button to complete the form.
  • Select the "Deposit Check" button to finalize and submit your deposit request.

 

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Troubleshooting

 

I enrolled my phone number but did not receive a text message. What should I do?

Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, try to enroll again. If the problem continues, contact your wireless carrier to be sure text messaging is enabled on your phone.

 

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I received an activation code but never used it. What do I do now?

Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.

 

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What happens if I get a new mobile device or change phone numbers?

If you get a new mobile device or change phone numbers, be sure to return to Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. We recommend removing your old device and re-enrolling your new device.

 

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Can I use Mobile Banking or Text Banking on more than one device?

Yes. Visit the Mobile Banking Center and simply add another device.

 

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I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?

At the time of activation a "cookie" is stored on your phone’s browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 96865.  However, you may be asked to enroll again due to issues with cookies.

 

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What if my device is lost or stolen?

If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Internet Banking and disable or remove your phone or call us at (502) 895-5040.

 

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Do I need to re-enroll into mobile banking after I purchase a new phone?

Yes. You must re-enroll into mobile banking after you purchase a new phone. Sign in to Internet Banking on your computer and under User Services choose the Mobile Enrollment option. Enroll your mobile phone and follow the activation instructions.

 

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Do passcode reset requirements for Internet Banking affect my ability to perform mobile banking functions?

Yes, your passcode is the same between Mobile Banking and Internet Banking, therefore any issues that you experience within one system will be experienced within the other.

 

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BlackBerry® Support – Enabling JavaScript

Without JavaScript enabled on your BlackBerry®, you may not be able to view parts of the mBanking mobile web browser (WAP). Users can manually activate JavaScript. See below for step by step instructions.

  1. Press the "Menu" button to open the BlackBerry’s main application menu.
  2. Click "Browser" to to open the BlackBerry web browser.
  3. Press the "Menu" button again while in the browser.
  4. Select "Options" and click "Browser Configuration."
  5. Put a check mark next to "Support JavaScript."
  6. Press the "Menu" button.
  7. Select "Save" to save your settings.

Please Note: In order to use mobile banking you must disable the Blackberry default browser and enable the internet browser.

 

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Mobile Banking Fraud Prevention Tips

 

General Tips

 

  • Always passcode protect your device.
  • Use a strong passcode, resist the urge to use simple passcodes.
  • Always use the most current software on your device.  These often contain security updates.
  • Do not store sensitive information such as your SSN, DOB, password, username, etc on your device.
  • Turn off your Wi-Fi and Bluetooth when not in use.
  • Avoid using the Mobile Banking Service on public, unsecured hotspots if at all possible.
  • Avoid sharing your mobile device with others, especially strangers.

 

Mobile Application Tips

 

  • Only download our Mobile Application from your respective market.
    • iPhone®, iPad®, iPod® touch users should only download their application from the iTunes® store.
    • Android® users should only download their application from the Google Play® market.
  • Download the latest version of the mobile application available.  New versions often contain security updates.
  • Log off the application when you have completed your session.

 

Mobile Browser Tips

 

  • Only use the mobile link provided to you at www.fcbok.com or that you receive via text message from First Capital Bank of Kentucky.  NOTE: YOU WILL ONLY RECEIVE THE TEXT MESSAGE LINK IF YOU REQUEST IT.  IF YOU RECEIVE A LINK THAT YOU DID NOT REQUEST, DO NOT CLICK ON IT AND CALL FIRST CAPITAL BANK OF KENTUCKY AT (502) 895-5040 FOR SUPPORT.
  • When you have completed your session, log out, and close the browser session.

 

Text Banking Tips

 

  • First Capital Bank of Kentucky will never ask for your sensitive information, including SSN, online banking credentials, etc., this includes via text messaging.  If you ever receive a text message from someone posing as First Capital Bank of Kentucky trying to receive personal information contact us immediately at (502) 895-5040.
  • Avoid and report smishing attempts (or attempts by impersonators to gather sensitive information via socially engineered text messages).  If you ever receive an unsolicited text message requesting your action, contact the sender at a phone number listed on their website to ensure authenticity.  Do not use phone numbers or links included in the text message.  
  • Once you have read a Text Message Banking inquiry text, you should delete the text.

 

If you observe or experience any suspcious activity please contact us.

 

Additional Resources

 

Contact Us

Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations, or use the secure form found on our Contact Us page.

 

First Capital Bank of Kentucky
293 N. Hubbards Lane
Louisville, KY 40207

Phone (502) 895-5040

Email localroots@fcbok.com

 

Lost or Stolen Visa Debit Card?
Call 1-888-895-5040
After hours, call 1-800-264-4274

Lost or Stolen Mobile Device?
Disable your device.