First Kentucky Bank, formerly known as The Exchange Bank, is a locally owned and operated financial institution that provides a range of personal and business banking solutions. Founded in 1899, the bank offers savings, interest-bearing and checking accounts. Its division, First Kentucky Financial Services, provides various products, including stocks and bonds, mutual funds, annuities and insurance solutions. First Kentucky Bank offers several retirement planning options. It provides automobile, recreational vehicle, personal and education loans. First Kentucky Bank offers a range of mortgage products that includes home equity lines of credit and construction, real estate purchase and home improvement loans. The bank provides online banking services and bill payment options.