If we detect fraudulent activity on your debit card, we’ll check with you before allowing potential fraud on your account.


For an optimized online experience, we strongly recommend using Forcht Bank’s Business Online Banking with either Google Chrome or Microsoft Edge browsers

Welcome to Happier Banking

Skip to main content

Shop. Tap. Win $2,500! 

'Tis the season of spending! Whether you're hunting for Black Friday deals, or holiday shopping for your loved ones - each transaction you make with a Forcht Bank Debit Mastercard or Credit Card is a chance to win $2,500! Tap it. Swipe it. Insert it, or even use it online. Happier Spending is here! 

BEST BANK IN KENTUCKY - Forbes magazine

Forcht Bank was recently named the Best Bank in Kentucky by Forbes Magazine based on customer survey data. Across all states, only 135 banks were recognized which puts Forcht Bank in the top 2.7% of all U.S.-based financial institutions. We thank our customers for voting us #1 and promise to continue delivering a Happier Banking experience!

What is Happier Banking?

Happier Banking is our promise to you that when you partner with Forcht Bank and our amazing team of staff that you will discover a banking experience you’ve never had before. As a community-based bank with locations throughout Kentucky and Ohio, we are uniquely positioned to offer our customers a vast array of products and technology, with the personal hometown bank touch.

1 Proof of student status may be required. Account opened by a minor (under age 18) requires a parent or guardian to be a joint owner of the account. At age 25, account will be converted to Easy Checking.  

*Offer is not available to existing Forcht Bank checking customers or customers whose accounts have been closed within the last 12 months. Promotional period begins on 8/15/2022 and ends on 9/24/2022. To receive the Apple Airpods®: (1) Open a Forcht Bank iStudent checking account, subject to approval; (2) Deposit $50 or more at account opening; (3) Complete at least 10 debit card transactions; and (4) enroll in Online Banking. All requirements must be met within 60 days of account opening. If all requirements have been met, the Apple Airpods® will be available to pick up at the branch where their account was opened 5 business days after the end of your 60 day promotional period. For accounts opened online, the Apple Airpods® can be picked up at the branch location nearest to the customer mailing address. No minimum balance is required to earn the bonus. The fair market value of the Apple Airpods® is considered interest and will be reported on IRS Form 1099-INT. If checking account is closed within 180 days after account opening, an early account closure fee will apply. Forcht Bank reserves the right to end the promotion without notice. Offer cannot be combined. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Apple® and Apple Store® are registered trademarks of Apple, Inc.

*Standard messaging and data rates may apply for app download and usage. Apple and Apple Store® are registered trademarks of Apple, Inc. Android is a trademark of Google LLC. CARDVALET is a trademark of Fiserv, Inc.