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Kentucky Farmers Bank
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Debit and ATM Card FAQ'S

Debit and ATM Card FAQ's

What are my daily spending limits and why?

Debit cards are limited to $300 ATM withdrawals and $600 for other purchases in a 24-hour period. These limits are set in place to protect your account by limiting the amount of access a fraudster would have should they manage to access your card. These limits are set per card, not per account. 

If you will need more than your daily limit allows, simply call Contact Us to have a temporary limit set just for you.

Why should I tell KFB when I am traveling?

We have 24/7 fraud monitoring to protect you and your account from potential fraud losses. If we see transactions that are out of the ordinary for you, we will put a hold on your card until we are able to contact you and confirm or deny these suspicious transactions.

This means that if you will be traveling out of your usual spending area (vacation, work trips, etc) you should call us in advance so that we don't mistake your purchases for a fraudster's purchases.

What if I forget my PIN?

You should never share or write down your PIN (Personal Identification Number) with anyone! Not even KFB keeps your PIN on file, this is for your protection. If you feel that someone may know your PIN just stop by any of our locations or ATM's to set a new PIN. If you forget your PIN, visit any of our locations to set up a new one.

A letter from our Chief Information Officer:


Dear Customer,

Kentucky Farmers Bank is committed to being your financial partner. By now, most of you are aware of the numerous debit card breaches that occur throughout the country. The vast majority of these breaches occur at network processors. Basically, a consumer uses his/her card at a merchant. The merchant captures the card information and sends it securely to a network processor, who then sends it along to the cardholder’s financial institution.

Since these network processors handle card transactions from thousands of cards, they are prime targets for fraudsters. They find a hole in the security of one of these processors. Once they have the information, they can create replicas of the cards. They change the name printed on the card, but the fraudulent transactions post to the original cardholder’s account.

Through various security monitoring measures, MasterCard© eventually becomes aware of these processor breaches. At that point, they alert the financial institution. The financial institution receives a list of the compromised card numbers and then can reissue cards.

Kentucky Farmers Bank has been developing systems that help deter fraud that go above and beyond what MasterCard requires. We have identified several “high risk” states in which fraudsters use the compromised cards. We have begun to block transactions from those states.

Some transactions from these states will be blocked unless you let us know that you are expecting them. All PIN transactions will be allowed to go through. Only swiped card transactions over $45.00 may be blocked. That also means that Internet transactions will be allowed to go through.

If you use your card out of the West Virginia, Ohio, Kentucky area, please ask the merchant to run the transaction as a debit and not a credit transaction. Exceptions to these blocks may be considered on a case-by-case basis. If you are going out of town or have any questions, please call into our Customer Solutions department (606) 929-5000.

We would like to thank you for being our financial partner and working with us to deter fraud and protect your accounts. We apologize for any inconvenience that this process causes.
KFB Steve Meek black ink signature on white background

Steve Meek
Chief Information Officer/Operations Manager