Firstnet is the bill payment services division of United Bank & Capital Trust Company. Our Firstnet office is located in the Heartland of Kentucky, just outside of Fort Knox. Firstnet has been providing bill payment services for over 30 years. Our products include allotments, payroll deductions and Electronic Funds Transfer or bank draft processing.


Welcome to United Bank's Bill Payment Service. Thank you for choosing us to be your payment processing specialists! Our bill payment services division, Firstnet, is located in Radcliff, Kentucky and provides payment processing services for various companies all around the world.

United Bank acts as a bill payment service for the company in which you are making bi-weekly or monthly payments. All payments are forwarded to the respective companies that actually retain the title, mortgage, consolidation loan, insurance policy, investment or loan for merchandise that you have obtained. Any questions regarding policies, investment balances, contract amounts, payoffs or loan purchases should be made to those companies.

If you have any questions regarding your account please enroll online at or you may always contact us at 800-351-1911 and one of our Allotment Specialists will be happy to assist you.

Firstnet Businesses

Welcome to United Bank’s Bill Payment Service. Our bill payment services division Firstnet, is located in Radcliff Kentucky, and provides payment‐processing services for various companies throughout the country.

Payroll Deduction

Payroll deductions are electronically sent directly from the employer to Firstnet. Other payment vehicles provide little or no payment data, little customer support, and much less flexibility. Payroll deduction is a safe, voluntary way for your customers to make their payment to you. Hard working men and women rely on Firstnet to process their payroll deductions and make sure their payments are made on time.


Allotments may be used for pre-arranged bill payments. Firstnet has decades of experience processing these type of payments. Allotments are excellent tools that assist Active Duty Military, Civil Service, or Retired Military in budgeting their monthly payments. Recognized as a pioneer and innovator in the industry, Firstnet is proud to have served America's Heroes for over 30 years.

Electronic Funds Transfer (EFT)

Firstnet has been offering Electronic Funds Transfer (EFT) service since 1983. Electronic Funds Transfer (EFT) sometimes referred to as Bank Drafts are used to facilitate payments directly from customer's bank accounts to a business. Payments processed by Firstnet are generally recurring, for an authorized amount, and are secure, fast and reliable.