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Account Balances

You are able to keep track of your balance by utilizing our Automated Telephone Banking System, eBanking, or Mobile eBanking using the app on your phone or mobile device.

The current balance on your account is the balance from the close of business the previous day.  It is the balance that we start with at the beginning of the business day.  The available balance is what is actually available for withdrawal in your account.  It takes into account any pending transactions you may have, as well as any holds on your account.  The available balance is always the balance you want to consider when using the funds in your account.

Your account is overdrawn because a transaction has caused the Available Balance on your account to become a negative amount or a transaction has occurred while the Available Balance on the account was negative.  Please contact our First Bank Service Center at 1-800-760-2265 option 2 for more specific assistance regarding your overdrawn account.

Bill Pay

Login to your eBanking account.  Click on the “Pay and Transfer tab” at the top of the page. Click on “Pay Bills”. For a tutorial, watch this video.

For complete bill pay instructions, click here.

A bill payment is either sent electronically or by check. You are able to verify the method of payment by going to ‘View Payment History’ for the payee and selecting ‘Payment details’ next to the payment you are inquiring about. The payment type will be listed as Electronic or Check, with the check number. The deliver by date is the expected date for the merchant to receive the payment. Check payments are sent 3-4 business days prior to the payment date.

*Not all payees will receive an electronic payment. A payee must have an agreement with the bill pay vendor to receive electronic transfers. If no agreement is in place, a check will be sent.

For electronic payments, a proof of payment service request will need to be opened by a FBSC agent. Our bill pay team will contact the payee to provide the tracking and account information to assist with locating the payment.    For check payments- Please verify the mailing address for the payee. If the payment appears to be lost, a stop payment can be placed on a lost check at no fee.

Business Mobile App

Client may find how to register by visiting Business Mobile eBanking OR visit the app store on their mobile device and search for First Bank Biz to Go.

Cards and Digital Wallet

First Bank Debit Cards have a $2,000.00 purchase limit. If you need to make a purchase over this amount, please contact the First Bank Service Center at 1-800-760-2265 option 2.

Please contact the First Bank Service Center at 1-800-760-2265 option 2 to raise the purchase limit on your debit card.
You may activate your personal debit card by making a purchase or withdrawal using your PIN number. Business clients may activate their cards by calling 1-800-757-9848 from the phone number associated with their account.

Please contact our First Bank Service Center at 1-800-760-2265 option 2 or your local branch to get a dispute started on an unauthorized debit card charge. Visit our Locations page to find a local branch closest to you.

Please contact our First Bank Service Center at 1-800-760-2265 option 2 or your local branch during normal business hours to report a card lost or stolen. After hours and on weekends, please contact our card monitoring company at 1-800-262-2024.
You may reset the PIN number on your First Bank Debit Card by going through our Automated Telephone Banking System. Please contact the First Bank Service Center at 1-800-760-2265 option 2 if you have any problems or need assistance getting this information reset.

Yes, please visit our Credit Cards page to learn more and fill out an application online.

Checking

1. To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person acting as an authorized signer or is a Beneficial Owner of the entity. When you apply for an account, we will ask for the name, residential address, date of birth and other information that will allow us to identify those individuals designated as authorized signers and Beneficial Owners. In addition, we will require a valid (unexpired) Primary Identification for each individual.

Acceptable Primary Identification

  • U.S. Driver’s License
  • U.S. State ID
  • U.S. Military ID
  • Resident Alien/Permanent Resident Card
  • Passport
  • Matricula Consular ID Card
  • Guatemala Consular ID Card
  • U.S. Visa Border Crossing Card

Note: If the address on the Primary ID is not the individual’s current residential address, or the ID does not display a residential address, a passport for example, additional documentation is required to show the current residential address. This might include, but is not limited to, a utility bill or lease.

2. Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.

3. Registration documents from the state where you registered your business in addition to documentation regarding the type of business entity you own. Contact your local First Bank branch for further information.

The interest rate will display as 0.00% because the rate plan for this product is in two different tiers. See Product Rate Sheet for the current Interest Rates.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. When you apply for an account, we will ask for your name, residential address, date of birth and other information that will allow us to identify you. In addition, we will require a valid (unexpired) Primary Identification.

Acceptable Primary Identification

  • U.S. Driver’s License
  • U.S. State ID
  • U.S. Military ID
  • Resident Alien/Permanent Resident Card
  • Passport
  • Matricula Consular ID Card
  • Guatemala Consular ID Card
  • U.S. Visa Border Crossing Card

For minors, Driver’s Permit with picture; Birth Certificate when other forms of ID are not available.

Note: If the address on the Primary ID is not the individual’s current residential address, or the ID does not display a residential address, a passport for example, additional documentation is required to show the current residential address. This might include, but is not limited to, a utility bill or lease.

You may find out who a check was written to by viewing the check through eBanking, contacting your local branch, or calling the First Bank Service Center at 1-800-760-2265 option 2.
You may view an image of your check through your eBanking by clicking on the check number itself. If you have a check number which may have already cleared your account, the only image you will be able to see is that first item which cleared.

Digital Wallet

First Bank currently supports: Apple, Google, and Samsung pay Digital Wallet services. Please visit our Digital Wallet page for more information regarding each service.

eStatements

Personal

Signing up for eStatements is fast, easy, and secure! Simply login to eBanking. Under the “Accounts” tab, click on Statements. Then, click the "eStatements" option.

Contact a First Bank Service Representative at 800-760-2265 Monday-Saturday 7a.m.-9p.m. CST, Saturday 9a.m – 5:30p.m. CST

Business

Simply login to Business eBanking and click through the following steps:

  1. Reports
  2. Online Documents
  3. Statements & documents
  4. View and maintain document preferences

Contact Treasury Management Client support for assistance at 866-326-7113 Monday - Friday 7 a.m. - 6 p.m. CST.

No, eStatements are FREE! However, if your eStatements include images of your checks, there will be a monthly fee for this service. See below for additional information. If you would like to opt out of check images on your eStatements, please contact the Client Contact Center 800-760-2265 or for businesses, Treasury Management Client Support at 866-326-7113.

Consumers

  • eStatements - Free
  • eStatements with check images - $1.00 per month
  • Paper Statement with no check images - $2.00 per month
  • Paper Statement with check images - $3.00 per month

Business

  • eStatements - Free
  • Paper Statements - $5.00 per month

You may elect to begin receiving your paper statement again at any time.

First Performance Checking

The interest rate will display as 0.00% because the rate plan for this product is in two different tiers. See Product Rate Sheet for the current Interest Rates.

Yes, once the first statement has generated you will be able to see the APY earned and interest earned on the account.  After the first statement this will also populate the values in eBanking for the Last Statement APY earned and Interest YTD section.

If you are using mobile wallet functionality (Apple Pay, Samsung Pay, Google Pay) where  the purchase transaction is utilizing the First Bank debit card tied to your Performance Checking, then yes, it will look just like a regular purchase.  Account to Account transfers utilizing mobile wallet or an incoming Zelle transfer that uses the debit card does not count as a purchase.

No, there is a limit one per person (primary owner or TIN).

Fraud Prevention

Monitor your online bank accounts for debits, credits, check orders, and new payees and accounts that you don't recognize. If something doesn't look familiar, contact the First Bank Service Center at 1-800-760-2265.

General Account

Please contact our First Bank Service Center at 1-800-760-2265 option 2 for any questions you may have regarding not being able to hear/see an account.

First Bank policy states that your signature is required to update an address on your account. You may obtain an Authorization for Change form by visiting your local branch, through your eBanking secure mail message, or by contacting our First Bank Service Center at 1-800-760-2265 option 2.

You may visit any local branch in person to close your account. Click here to find a branch closest to you. If you are not able to visit a branch in person, you may send a notarized letter to a branch indicating you would like the account to be closed and any remaining funds will be mailed to you.

General Savings

First Bank offers a variety of ways for you to invest and watch your money grow. Compare our consumer savings accounts and select the account that is right for you.
Savings and money market deposit accounts can be opened with as little as $100.
Monthly statements are mailed to customers with checking and/or money market accounts. Generally, customers with savings accounts are sent quarterly statements, while those customers with electronic activity will receive a monthly statement. Statements on IRAs are sent annually at year-end. Customers with certificates of deposits are not sent statements, though they do receive a notice when interest has been paid on their account or prior to the account maturing. Customers with multiple accounts may be eligible to receive a combined statement. This offers you the convenience of getting all your account information at one time.

Mobile Banking

First Bank currently supports: Apple, Google, and Samsung pay Digital Wallet services. Please visit our Digital Wallet page for more information regarding each service.

Client may register for the Mobile App by clicking here and choosing the app links OR they may go to the app store on their mobile device and search for First Bank On the Go.

Yes! Clients can use both the Text Banking and the Mobile App at the same time.
Clients will need to use a web browser to log in with a temporary password. The Mobile App will not allow you to log in with a temporary password.

Clients who have had an account open for longer than 60 days are able to set up and use Mobile Deposit. Once the client has been registered for the appropriate amount of time, the option will appear and the client will follow the prompts and directions to use the service.

Mortgage

Knowing in advance how to get a mortgage is an essential first step in the home buying process. First Bank Mortgage is a trusted and experienced mortgage lender and can easily assist you throughout the process. Before you decide to purchase your first home, carefully assess your own financial situation. Whether you're married or single, you'll need to determine where you stand financially. For instance, do you know your credit score? What are your current balances on unsecured personal loans, like credit cards and student loans? First Bank Mortgage does offer several programs for first-time homebuyers needing little money down; however, strive to have cash on hand, or in reserves, to utilize for any potential down payment, utilities, moving expenses, new home furnishings, or unforeseen emergencies. To help guide you through the home loan process, contact a First Bank Mortgage Home Loan Advisor. One of our friendly team members can help you determine the type of mortgage and loan amount that's comfortable for you, based on your individual financial position.
A fixed rate mortgage is just that, it has a fixed interest rate. Meaning, the interest rate does not change throughout the life of your loan, allowing your principal and interest payment (P & I) to remain the same. However, with an adjustable rate mortgage, the interest rate may vary based on changes in market conditions (up or down). It's important to know there is usually a cap on adjustable rate changes, protecting the borrower from the rate (and the corresponding payment) going up too high. Since there's the potential for an increase in your payment to occur, an adjustable rate mortgage tends to come with a higher risk. Carefully assess your personal financial situation to determine which is right for you.

Yes, it's possible for your payment to change. If this occurred, it would be due to any fluctuations in the annual tax assessments to your property or any increase to your homeowner's insurance policy. Since both are paid monthly through your mortgage payment, any changes to either of these items would alter your payment. Please note, with a fixed rate home mortgage, your principal and interest payments will remain the same throughout the life of your loan.

It would be nice to wait for a lower rate; however, at the same time, the price of the home can also increase. If you are ready to buy, that is usually the time you should buy! First Bank is always ready to assist you in the most important purchase of your life - owning your own home. Feel free to call upon any of our loan advisors to answer your questions and put you on the road to home ownership!
This is a legally binding agreement between buyer and seller which, when accepted by all parties, confirms the purchase price of the property. Usually, the buyer places a small amount of money in deposit as good faith (called "earnest money"). You should not sign a sales contract unless you have reviewed it carefully and perhaps even had it reviewed by an attorney. A contract is often contingent upon many things, such as mortgage loan approval, inspections of well and/or septic systems, satisfactory building inspection, and termite inspection. You should make sure your own rights are protected.

There are many acceptable sources of funds that you can use for a down payment. The most common are: personal savings or checking account, gift from a family member, 401(k) account, and down payment assistance programs. A Mortgage Home Loan Advisor is there to assist you with these options and more.

A general rule of thumb for determining if you can qualify for a new mortgage is to use 33% of your gross monthly income for housing.  The housing payment includes the monthly principal and interest on the mortgage, plus the property taxes and homeowners insurance. It is a good idea to also consider all the monthly amounts for car payments, leases, and revolving credit cards, plus the new housing payment at 38% of your gross monthly income.  Our Mortgage Home Loan Advisors can easily assist you to ensure you are able to qualify for the home you are considering purchasing.

Getting a mortgage can seem a bit overwhelming.  Using our online application, you have the ability to expedite the process and easily upload all your banking and income documents. Your Mortgage Home Loan Advisor will help your home loan experience go smoothly.

While it seems like one extra unnecessary step, a pre-approval strengthens any offer you make once you have decided on a home to purchase.

Generally you will need enough funds for your down payment, closing costs and two months of your new payment in reserves.

One-Time Security Code

It is a randomly generated one-time code we provide. You enter it before completing certain transactions to prevent fraudulent transactions and unauthorized access to your financial information.

It is an extra layer of online banking protection that ensures that your funds and financial information are safe. By requiring the entry of a one-time code and the use of a phone you have on record with us, fraud is prevented even if an unauthorized user learns your online banking user ID and password. It also ensures that you are notified if an unauthorized user attempts to access your account information or complete transactions without your knowledge.

It is easy! We'll give you the one-time code and you are asked to enter it when we call a number you have on record with us.

No. Once the code is entered, it is not needed again.

People Pay

Log into eBanking. Select People Pay from the ‘Pay and Transfer’ tab at the top of the home page or by clicking on the People Pay icon located in the ‘Money Center’ and follow the enrollment instructions. Once enrolled from eBanking, you can access via the First Bank on the Go Mobile App.

Create a contact by entering the recipients:

  • Bank Account information- If you know the contact’s account number and the routing and transit number of the financial institution where the account resides, you can deposit money directly into that account. Your money is delivered in 1-3 days OR
  • Email Address/Mobile number. Allow the contact to decide how they want to claim the money. We will send an email or text message to your contact with the instructions explaining how to claim the money. You will be notified of the payment status to your primary email.

If you send the payment using the recipients routing and account number or send via PayPal, the funds are debited immediately after you send the payment.

Payments made using email or phone number are debited from your account when the recipient claims the payment. If the recipient does not claim the payment after 10 calendar days, the funds are not deducted from your account.

Payments sent to a mobile number or email address can be cancelled by accessing People Pay through eBanking or the mobile app as long as the recipient has not claimed the payment. If the money has been claimed, you are unable to cancel.

Money sent using the recipients account information cannot be cancelled.

Personal eBanking

Please contact our First Bank Service Center at 1-800-760-2265 option 2 for any questions you may have regarding not being able to hear/see an account.

Clients may update their password by choosing the Forgot Password link or by contacting the First Bank Service Center at 1-800-760-2265.

Personal

Signing up for eStatements is fast, easy, and secure! Simply login to eBanking. Under the “Accounts” tab, click on Statements. Then, click the "eStatements" option.

Contact a First Bank Service Representative at 800-760-2265 Monday-Saturday 7a.m.-9p.m. CST, Saturday 9a.m – 5:30p.m. CST

Business

Simply login to Business eBanking and click through the following steps:

  1. Reports
  2. Online Documents
  3. Statements & documents
  4. View and maintain document preferences

Contact Treasury Management Client support for assistance at 866-326-7113 Monday - Friday 7 a.m. - 6 p.m. CST.

No, eStatements are FREE! However, if your eStatements include images of your checks, there will be a monthly fee for this service. See below for additional information. If you would like to opt out of check images on your eStatements, please contact the Client Contact Center 800-760-2265 or for businesses, Treasury Management Client Support at 866-326-7113.

Consumers

  • eStatements - Free
  • eStatements with check images - $1.00 per month
  • Paper Statement with no check images - $2.00 per month
  • Paper Statement with check images - $3.00 per month

Business

  • eStatements - Free
  • Paper Statements - $5.00 per month
Clients will need to use a web browser to log in with a temporary password. The Mobile App will not allow you to log in with a temporary password.
If the phone numbers listed are incorrect, please check your log in information for accuracy. If it is correct, please contact a First Bank Service Center Rep at 1-800-760-2265 to further troubleshoot this issue.

You may elect to begin receiving your paper statement again at any time.

Verify that you are using the correct user ID and password combination. If the phone number doesn’t match when you attempt to do the One-Time Passcode (OTP), the chances are that one of the pieces (user ID or password) is not being entered in correctly.
Clients can view and change alert preferences by choosing the Customer Service/Manage Alerts option.
Clients are able to download up to 500 completed transactions or 45 days' worth of account activity for the following file types: Quicken, QIF (Microsoft Money or Quicken 2004 and previous), CSV (can be used by any spreadsheet program). *Note* QuickBooks is NOT supported on Consumer eBanking at this time.
People Pay allows the client to transfer money to other people or accounts the client is not attached to. External Transfer is used to transfer money between accounts the client is listed on as an authorized signer at a different financial institution.
There is a $0.50 transaction fee for all People Pay payments. External Transfers also have a $0.50 fee per transfer outside of First Bank. External Transfers coming INTO First Bank do not have a fee.

RTP Network

The Real-Time payment (RTP) Network allows a sender to transfer payment to receiver within seconds. It is a new payment rail similar to ACH, Wires, or Credit Card developed by TCH (The Clearing House), using the latest standards to address the increased demand for faster and safer payment transfer. The network will clear and settle payments 24-hours a day, seven days a week, and every day of the year.

Built for the digital age, all federally-insured U.S. depository institutions are eligible to utilize the RTP Network.

Yes, First Bank is proud to now participate in the RTP Network as a receiving bank.

RTP provides access to funds credited to your account within seconds. It also provides the ability to receive remittance information about the deposit along with the transfer and utilize new dual communication methods to ensure safe transfer between the payee and the payor.

RTP transactions are sent individually round the clock (24x7x365) whereas ACH transactions are batched up and normally processed a few times a day for both same day ACH transactions as well as future dated transactions on business days only.  ACH originators can both push (send) and pull money (receive) whereas RTP originators can push (send).

Absolutely. RTP is processed through secure banking channels with high security protocols.

Simply provide your account and routing numbers to any of your payees who have the ability to originate an RTP transaction. Much like any digital transaction, you will see details of the RTP deposit on your eBanking dashboard, Mobile Banking app, or on your banking statement.

RTP is a totally new real-time network that authenticates a transfer using the account number and bank routing number instead of an email address or mobile number. This eliminates the need for a separate sign up to identify the recipient. Zelle runs on a combination of the card and ACH networks.  Note:  First Bank is setup to receive Zelle payments and RTP Payments.  Zelle is limited to consumers with an active First Bank Debit Card, and RTP is available to all businesses and consumers with an active First Bank Checking, Savings, or Money Market account.

First Bank joined the RTP Network as a receiving bank in 2020 and our plan is to also be a sending bank in 2021.

SecurLOCK Equip

SecurLOCK Equip is a mobile app that allows our business clients to control how, when, and where your Business Debit Card is used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your First Bank Business Debit card safe and provide instant notifications whenever your card is used. View the SecurLOCK Equip App for Business Video for more details.

No. It is provided to you at no cost so you can have more control over your card.

You can also call 800-760-2265 and one of our First Bank Service Center representatives will be more than happy to assist you.

Text Banking

Clients can use the following list of text commands:

Text Banking Commands

Yes! Clients can use both the Text Banking and the Mobile App at the same time.

Transfers

You are only able to transfer between business and personal accounts at the branch or through eBanking (if you are able to view both accounts under one log in). These types of transactions typically require a paper trail for auditing purposes and cannot be completed over the phone.
You may transfer funds to another financial institution by utilizing our People Pay feature in Bill Pay.
You may transfer funds into an account that you are not on by utilizing our Pop Money or Move Money features in Bill Pay or by visiting your local branch.
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