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


We’re more than your bank, we’re your business partner. Connect with your Business Banker for any support you might need.

Earn a NEW JBL FLIP® 5 Speaker When opening an iStudent Checking account*

Understanding personal finances is an important part of life that schools can sometimes forget. Which is why we've created an account for students to learn and practice financial responsibility. We've thoughtfully created an account with exclusive perks students want and need to fit their one-of-a-kind lifestyle. We're so confident you'll love this checking account we're now rewarding new account openers with a limited time JBL Flip 5® speaker with qualifying activities!* From middle school through college, this account is available for students ages 13 - 241. Welcome to Happier Banking!


perks so good you'll Flip

  • New JBL Flip 5® Speaker after account opening and qualifying activities*
  • 24/7 access with Online and Mobile Banking2
  • No minimum balance requirement
  • No monthly service fees
  • Unlimited ATM fee refunds for non-Forcht Bank ATM withdrawals
  • A Happier Banking experience!


Qualifying activities to obtain the bonus includes:

  • Open an iStudent Checking account, subject to qualification and approval.
  • Deposit $50 or more at account opening.
  • Have at least 10 debit-card transactions3 post to your account within 60 days of account opening.


Forcht Bank... Forsht? It's actually pronounced fork! It's a little different, so to help out we planted big forks in front of some of our locations. Oddly enough, different is what we like. We're not your traditional boring bank, we're home of Happier Banking! We're a community focused bank originating from Corbin, KY priding ourselves in our personalized service feel, but having industry leading technology for any of your banking needs. 

  • Community focused bank with 27 locations across Kentucky and Ohio
  • 24/7 Online and Mobile Banking services
  • Apple Pay® and Samsung Pay® compatibility
  • Zelle® person-to-person payment
  • 7AM - 7PM drive thru service

Mobile Check Deposit

Skip the trip to the bank, deposit your check to your account within the mobile banking app. 

Mobile Pay

Link your Forcht Bank Mastercard to your smartphone to begin using quick and secure contactless payment.

Peer-to-peer payments with zelle

Split lunch or request gas money with Zelle.

Fraud stop

We stop fraud before it starts. If we detect unusual activity on your Forcht Bank Mastercard, we'll reach out to you to confirm or deny the purchase. 

oN-the-go Mobile Banking 

With 27 locations across Kentucky and Ohio, we're here when you need us. But we've also built our Mobile Banking App with all the important tools you'll need to bank from anywhere, at anytime. 

  • Set up account notifications
  • Deposit paper checks with Mobile Deposit4 
  • Use Zelle®  to pay your friends or get paid within seconds5
  • Debit card monitoring tools
  • And more...


Tap, pay, go. That's how easy it is to pay for purchases when your Forcht Bank Debit Mastercard is added to your smartphone's digital wallet. Use Mobile Pay to take advantage of Apple Pay, Samsung Pay, and Google Pay for your in-app, online- or in-store purchases. 

Digital Tools To Make Banking Happier

Online and Mobile Banking, Apple Pay, CardValet, and Zelle - our digital tools allow you to bank, budget, pay and send friends money right from your phone.

1Proof 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. 

2Standard carrier data fees and rates may apply. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

3Complete at least 10 qualifying PIN Point of Sale or signature-based transactions using your associated debit card during the promotional period. Cash withdrawals at an ATM, branch, or an On Demand machine are not considered qualifying transactions.

4Mobile Check Deposit is available for personal accounts opened for at least 60 days and in good standing. Mobile Check Deposit limits for personal accounts are $2500 per item. Mobile Check Deposit is available for business accounts opened for at least 90 days and in good standing. Mobile Check Deposit limits for business accounts are $2500 per item and $5000 per day. Standard data rates may apply from your wireless carrier.

5Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

*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 08/02/2021 and ends on 10/02/2021. To receive the JBL Flip 5® speaker: (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. All requirements must be met within 60 days of account opening. If all requirements have been met, the JBL Flip 5® speaker will be available to pick up at the branch where their account was opened 5 business days after the 60 day promotional period has ended.  For accounts opened online, the JBL Flip 5® speaker 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 JBL Flip 5® 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. | Member FDIC

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. Zelle®  and the Zelle®  marks used herein are trademarks of Early Warning Services, LLC. JBL marks are a trademarks of Harman International Industries 

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