FAQs

First Bank makes checking your balance easy- anywhere, any time.

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Log in to your online account on First.Bank. 

 
Account balances are displayed on the Financial Center. Click on an account to view transaction history.

Mobile Banking

Open the First Bank on the Go mobile app, enter your quick access code, Face ID, or login credentials to view your balance.  

        

Use with iPhone, iPad, or Android phones and Android tablets, as well as many other mobile devices. 

*Must have a prior eBanking registration. Click here to register.

Automated Banking

• Call 800-760-2265, Choose Option 2
• Select Option 1
• Select Option 1  
• Choose your account type: 1 for Checking, 2 for Savings, 3 for Money Market, 4 for Certificate of Deposit
• Enter your full account number
• Enter your Personal Identification Number (PIN) to hear your balance

Text Banking

Text ‘B’ to 49794. You will receive a text message with the available balance on your accounts.

To enroll for Text Banking, login to your eBanking account from First.Bank. From the Customer Service tab, choose ‘Manage mobile banking settings’. Provide your mobile carrier and mobile phone number to register.

Alerts

Create a balance alert to be sent daily or weekly by email or text message.

To set up an alert, log in to your eBanking via First.Bank. From the Customer Service tab, choose “Manage alerts’. Under Account Alerts, choose ‘Add’ next to Account Balance. Choose the frequency and the contact method for your alert. 

ATM/ITM

Access your account at any ATM/ITM and choose the ‘Balance Inquiry’ option from the menu. Click here for First Bank locations.

The current balance is the total amount of money in your account before any pending activity or holds. This balance is updated at the start of each business day.

The available balance is the amount available for use. The available balance reflects pending items and items on hold, and may change throughout the day.

Please note that some transactions may not be reflected in your available balance. That may include, but is not limited to:

• Debit card authorizations/ pay at the pump transactions
• Tips added to your purchase amount
• Checks that have not been cashed
• Automatic payments and bill payments scheduled for future dates
• Deposit holds

• The account number is located at the bottom of a check or deposit slip
• On a check image in your online account history.
• By logging into your account at First.Bank. (From the Financial Center, click on the account you would like to view. In the pop-up, go to the ‘Account Information’ tab. Hover over the “eyeball” to show the full account number.) First Bank checking and savings account numbers are ten digits long.
• Contact us at 800-760-2265 or visit your local branch/ITM.

*IPhone and IPad users—please note that the full account and routing numbers will not display in the mobile browser. We recommend using a PC to obtain the information.

081009428

Some consumer accounts are eligible for online account opening. Visit our personal product page to learn more about our consumer accounts. You may also visit a branch to establish an account.

For account owners 18 years and older:

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

Documents required for minors: 

For custodial accounts for minors, Uniform Transfer to Minor Accounts (UTMA), or joint ownership accounts for minors 13-17 with a parent or legal guardian:

• Driver’s permit (must include picture) or one of the above forms of ID *if available
• Birth certificate (when no other form of ID is available)

Please visit your local branch to request a name change. Please bring a copy of your marriage license, divorce decree, or other court document confirming the name change, along with an updated primary identification.

• Through the Customer Service tab of your eBanking login.
• Visit a local First Bank branch or ITM during business hours.
• Contact us at 800-760-2265.

To remove a deceased owner: Please bring a death certificate into your local branch.

To remove a joint owner after divorce/separation: A living owner may not be removed from an account. The account should be closed and a new account opened. Either owner may request the account closure.

To add an owner: Please visit a local First Bank branch with the new account owner. He or she should bring a primary form of ID.

To add or remove an authorized signer from a business account: A copy of the meeting minutes or resolutions of the Board of Directors authorizing this change, certified by the secretary of the corporation, is required to add or remove a signer. When adding a signer, he or she must present valid identification.

Please provide the required documentation:

• Copy of the page of the trust indicating the name of the trust
• Copy of the page of the trust showing the grantors and trustees
• If there are multiple trustees named, the page(s) of the trust documenting that the trustees may work separately
• Notarized signature page of the grantor(s)

*Please note- special circumstances may require additional pages of the trust

To add a trustee:

Please provide the required documentation:

• Copy of the page(s) stating that the grantor or trustee may add another trustee. If there are multiple trustees, the page(s) of the trust documenting that the trustees may work separately must also be provided.

*Please note- special circumstances may require additional pages of the trust

Remove a trustee due to incapacity or disability

Please provide the required documentation:

• Copy of the page(s) of the trust that define the documentation required to support incapacity/disability.
• Documentation required as indicated in the trust
• Copy of the page(s) of the trust indicating that the trustees may work separately

*Please note- special circumstances may require additional pages of the trust

Remove a trustee due to death

Please provide the required documentation:

• Certified copy of the death certificate
• If the removal of the deceased trustee requires the appointment of a successor trustee or trustees, the page(s) identifying the successor(s), or the documentation required by the trust for the appointment of the successor trustee. If there are multiple successor trustees named, the page(s) indicating that the trustees may work separately is required.

Remove a trustee due to resignation

Please provide the required documentation:

• A notarized letter of resignation
• If the resignation of the trustee requires the appointment of a successor trustee or trustees, the page(s) identifying the successor(s), or the documentation required by the trust for the appointment of the successor trustee. If there are multiple successor trustees named, the page(s) indicating that the trustees may work separately is required.

First Bank Flex Debit Cards have a transaction limit of $2000 in purchases and $750 of cash withdrawals per day.  If you need a temporary limit lift, please contact us at 800-760-2265.

If you know your existing PIN:

• Call 800-760-2265
• Option 2 for Self Service
• Option 1 for Personal or Business
• Option 5 for Card Based Services
• Option 2
• Enter your card number, followed by #
• Enter your current PIN, follow by #
• Option 1 to change your PIN
• Select a new PIN

If you do not know your existing PIN, contact us at 800-760-2265. 

• From the First Bank On the Go mobile app
                  - Log in to your account via the mobile app.
                  - Click “Wallet” in the upper right hand corner.
                  - Select Card Controls, followed by the card you wish to disable.
                  - Slide the toggle next to “Enable card for use” to deactivate the card.
• Contact us at 800-760-2265
• For afterhours service, contact 800-262-2024

*Contact us at 800-760-2265 to request a replacement card.

Please contact us at 800-760-2265 to notify us of an international purchase or travel.

*Countries banned by the Office of Foreign Assets (OFAC) are restricted from debit card usage. First Bank reserves the right to restrict activity from additional countries where fraud trends are prevalent.

To register your personal accounts for eBanking, click ‘Enroll’ on the Account Login banner at the top of the page or click here.

For registration, you will need either your Debit Card and PIN or your Checking, Savings, or Money Market account number and last statement balance.

No, each person who wishes to utilize eBanking should create their own user ID and password. Login information should never be shared with another person.

Check the information you entered for accuracy. If you are unable to successfully enroll, call us at 800-760-2265.

Click here to be taken to the Login page. You may also log in via the blue ‘Account Login’ banner located at the top of every page. Please select your account type from the ‘Select Account’ box.

Enter your User ID for account access and select Login/Continue. Choose the "Forgot your password?" link. You will be prompted to receive a security code via phone call or text message. Once completed, you will be able to create a new password.

Contact us at 800-760-2265 for assistance with obtaining your user ID. Representatives are available Monday- Friday 7am-9pm CST, and Saturday from 9am-5:30pm CST.

Contact us at 800-760-2265 for assistance with unlocking your account. Representatives are available Monday- Friday 7am-9pm CST, and Saturday from 9am-5:30pm CST.

Confirm you have entered the correct user ID. Remember, user ID’s are case sensitive.

If you are still seeing incorrect phone numbers, contact us at 800-760-2265 for assistance. Representatives are available Monday- Friday 7am-9pm CST, and Saturday from 9am-5:30pm CST.

Log in to your eBanking account via First.Bank. Click on the “Pay and Transfer” tab at the top of the page. Click on “Pay Bills” and follow the steps to complete an enrollment. For a video tutorial, click here.

Yes! First Bank offers our clients bill pay service at no charge.

To add a payee, log in at First.Bank, access the Pay Bills option through the “Pay and Transfer” tab. Next to “Pay someone new”, enter the payee name. Choose from the list of known billers, or enter the full name if the payee is not on the list. For a video tutorial, click here.

Please confirm your payment deliver by date and payment method. To view payment details, select the drop down next to the payee name and ‘View payment history”. Click ‘Payment details’ next to the payment. The payment information will be displayed.

If the deliver by date has passed and the payee has not received the payment, please follow the steps below for resolution:

For electronic payments, contact us at 800-760-2265 for assistance. An agent will work with our bill payment team to locate the payment and provide proof of payment to the payee.

For check payments, please verify the mailing address for the payee. If the payment is lost, a stop payment can be placed and a new payment can be created. Contact us at 800-760-2265 to request the check stop payment.

External Transfer allows you to transfer funds to and from your personal First Bank account to an account that you have at another financial institution.

There is no fee for external transfers.

From the Pay and Transfer tab of your eBanking login, choose ‘Manage external transfer accounts’. Choose ‘add an external transfer account’. You will enter the routing and account number, as well as specify the account type. Confirm the information entered and click ‘Continue’. 

You may be asked to complete an additional security step. Once you have submitted the request, First Bank will begin verifying your external account. A small test deposit and withdrawal transactions to the external account will be made in the next 1-3 business days. 

Once the verification transactions have been made on your external account, login to your eBanking and go to ‘Manage external transfer accounts” under Pay and Transfer. Select ‘Verify’ next to your external account and enter the two amounts that you received, then Submit.

The transfer should appear in the account within 1-3 business days.

Yes, recurring and future dated transfer set up is available.

People Pay is a fast, convenient, and safe way to send and receive money to others from your smart phone or computer.

$0.50 per transfer.

• Sign into eBanking from First.Bank
• Click ‘Pay People’ from the Pay and Transfer menu OR from the Money Center
• Follow the instructions to enroll

If the payment is being sent by direct deposit using the recipients routing and account number, the funds are debited immediately after you send the payment.

Payments made using email or mobile number are debited from your account when the recipient claims the payment. If the funds are not claimed after 10 calendar days, the payment will be void and no funds will be deducted.

Payments being sent with the account and routing number are deposited within 1-3 days after the payment is made.

If the payment is sent with an email or mobile number, the recipient must claim the funds. This must be done within 10 calendar days. Once the recipient has claimed the funds, the payment will be debited for your First Bank account and will be deposited in 1-3 business days. 

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

Money sent using the recipients account information cannot be cancelled.

No, recurring or future dated payments are not able to be created for People Pay payments.

Signing up is easy!

You may elect to receive electronic statements during your online enrollment. If you already have an online account, log in and access the Customer Service tab, Change Statement Delivery Method, then change the method to ‘Online’ and agree to the terms. 

eStatements without check images are free. Statements with images included are $1 per statement cycle.

24 months. We also recommend saving an electronic copy to your computer for long term retention.

Simply log in to eBanking. Under the ‘Customer Service’ tab, click on Change statement delivery method. Change the Delivery Method to ‘Paper’. *

*Please note there may be a monthly paper statement fee for your product type. 

It is a randomly generated one-time code used as an extra layer of protection when accessing your eBanking account. The code is sent by text or confirmed through an automated phone call to a phone number on file with us. By requiring the entry of a one-time code and the use of a phone number you have on record, fraud is prevented even if an unauthorized user learns your online banking user ID and password.

The most current version of the following browsers are supported for eBanking access on a desktop:

Microsoft Edge
Google Chrome
Mozilla Firefox
Apple Safari

*While most browsers will allow eBanking access, we specifically test and support the above listed browsers for eBanking functions.

Online access from countries banned by the Office of Foreign Assets (OFAC) is not permitted. First Bank reserves the right to restrict activity from additional countries where fraud trends are prevalent.

One you have an eBanking enrollment, you may download “First Bank on the Go” from the app store on your mobile device.

• Check balances and transfer funds
• View account history and pending transactions
• View images of cleared checks
• Pay bills
• Add a payee
• View or cancel pending bill payments
• Deposit checks with Mobile Deposit
• Sent money via People Pay
• Locate your nearest First Bank branch, ITM, or ATM
• Set up Debit Card Controls

Skip a trip to the bank!

Mobile Deposits made after 8 p.m. (CT) will be processed the next business day. 

We may at our sole discretion place a 3 business day hold on any Mobile Deposit submitted.

You may make up to 3 deposits totaling $2500 per day and up to 10 deposits totaling $5000 within 5 business days.

To request a limit increase, please contact us at 800-760-2265.

Access your financial situation:

• Know your credit score
• Know the current balances on your unsecured personal loans (ex: credit cards, student loans)
• Do you have the funds available for a potential down payment, moving expenses, utilities, home furnishings, or unforeseen emergencies?

To help guide you through the home loan process, contact a First Bank 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 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.

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

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.

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.

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!

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.

Ready to start the home loan process? One of our Home Loan Advisors is ready to serve you. Find a First Bank Loan Advisor.

1099/1098 Statements are mailed by January 31.

Consumers receive 1099-INT Statements if the total interest of all of their accounts, in which their social security number is listed as the primary owner, equaled $10 or more during the tax year.

Business accounts do not receive a 1099-INT Statement.

1098 Statements are sent to those individuals with real estate secured loans that have paid $600 or more of interest during the tax year.

1098 Statements are not produced for corporations, partnerships, trusts, estates, associations, or companies (other than sole proprietorships).

If a distribution occurred during the tax year on your IRA, you will receive a 1099-R Statement.

No, the interest earned on an IRA is non-taxable.

The information on a 5498 Statement is submitted by the issuer of your IRA to report contributions, including any catch up contributions, rollovers, direct rollovers, re characterizations, and conversions, as well as the Fair Market Value (balance as of December 31) for each person who maintained an IRA the prior calendar year. The 5498 Statements are mailed prior to May 31^st.

To transfer between your personal accounts:

• eBanking under ‘pay and transfer’
• Automated Banking
  • Call 800-760-2265, Choose Option 2
  • Select Option 1
  • Select Option 2
• At a First Bank ITM with a Virtual Banker
• At a First Bank ATM between primary linked accounts
• By contacting us at 800-760-2265

• From your personal account to your account at another institution: utilize the ‘External Transfer’ option under the Pay and Transfer tab of eBanking.
• To transfer to another person: utilize People Pay under the Pay and Transfer tab of eBanking. The fee for a People Pay transfer is $0.50.
• You may also visit a First Bank location to request a wire transfer. For wire instructions, click here.

• Write a check to yourself from the business account and complete a mobile deposit into your personal account through the First Bank on the Go app
•  Visit your local branch or ITM during business hours

• Utilize the People Pay feature of your consumer eBanking
• Visit a local branch or ITM during business hours