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Public Protection Cabinet

Bank and Credit Union Help

Banks and credit unions both offer checking and savings accounts, loans, credit cards and other products that can help you manage your finances. The Kentucky Department of Financial Institutions (DFI) works to protect you by examining state-chartered banks and credit unions to ensure they are safe and sound. DFI also takes complaints and investigates suspected wrongdoing on the part of the industry we regulate. We want you to have the knowledge to select and use depository products wisely and responsibly. If you need help with a bank or credit union product or service, see the Quick Links at right.
Most bank and credit union accounts are insured by the federal government – the Federal Deposit Insurance Corporation (FDIC) insures member banks and the National Credit Union Administration (NCUA) insures member credit unions. Since the creation of these agencies, no depositor/member of a federally insured bank or credit union has lost one penny of insured deposits/savings.
Bank On
Bank On is a national movement to connect families to the financial mainstream – focusing on the “unbanked” and “underbanked” and helping them to take advantage of free or low-cost accounts. The initiative includes a financial literacy component as well.
An estimated 7.7 percent of U.S. households – approximately 9 million – are unbanked, meaning they do not have a checking or savings account. In addition, an estimated 17.9 percent – roughly 21 million – are underbanked, meaning they have accounts but rely on or use alternative financial services that may cost more. The state-specific numbers for Kentucky are even higher – 11.9 percent of households are unbanked and 23.7 percent are underbanked. For more information and data, see the results of the 2009 FDIC National Survey of Unbanked and Underbanked Households.
Below you will find information and contacts for the Bank On programs across Kentucky.
Bank on Owensboro (launched May 2010)
Phone: Dial 3-1-1 for City Action or call 270-685-1603
Bank On Louisville (launched July 2010) 
Phone: Dial 3-1-1 in the Louisville Metro area
Mailing Address: Bank On Louisville
c/o Economic Development
2900 W. Broadway
Louisville, KY 40211
Bank On Madisonville (launched January 2011)
Phone: 270-821-8114
Mailing Address: Hopkins County Assistance Center
130 Branch St.
Madisonville, KY 42431
Bank On Greater Cincinnati (includes Boone, Kenton and Campbell counties in Kentucky) (launched March 2011)
SmartMoney Community Services serving as the fiscal agent
Phone: 513-241-7266
Mailing Address: SmartMoney Community Services
19 West Elder, 2nd Floor
Cincinnati, OH 45202
Bank On Northeast Kentucky (launched July 2012) 
Phone: 606-325-BANK (2265)
Mailing Address: Bank On Northeast Kentucky
United Way
PO Box 2285
Ashland, KY 41105
Bank On Henderson (launched spring 2011)
Phone:  270-826-2107
Mailing Address: Bank on Henderson
Soaper Building
145 N. Main St., 6th floor
Henderson, KY  42419
Bank On Bluegrass (launched November 2013)
Phone: 859-223-4460
Mailing Address: Bank On Bluegrass
c/o Tracy Thurston, United Way of the Bluegrass
100 Midland Avenue, Suite 300
Lexington, KY 40508


Other cities and regions in Kentucky are thinking about joining the Bank On movement. If you have interest in starting or joining a program in your local area, visit



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 Games and Quizzes

Financial Football Training Camp

Financial Football Training Camp – Features an interactive game with four modules where financial savvy leads to touchdowns. Choose your favorite National Football League team and answer questions correctly to advance down the field.

Credit, Investing, Banking
Money Smart


Money Smart - An Adult Education Program – Provides access to the Money Smart Computer-Based Instruction, an easy-to-use, interactive learning tool that teaches the 10 modules of the Money Smart curriculum through the computer. The program is available online or on CD-ROM in both English and Spanish.
Credit, Investing, Banking

 Consumer Help Weblinks

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