R E L AT I O N S H I P G U I D E
Personal Banking Services
About Us Welcome
Hello there.
You might know us already. We’re the bank that’s dedicated to your community; to serving you honestly; and to providing amazing customer service, knowledgeable advice and a helping hand. The one you see at local events, living next door, engaging with your Rotary, Chamber, hiking/biking/running/swimming club. That’s us, that’s First Bank. We’re the one born in the heart of the Carolinas in 1935 with the mission to help our customers change their lives, grow their businesses and support their families. We’re also all about encouraging positive economic progress in the towns and cities where we live, work and play. These days, as the largest community bank headquarted in North Carolina, it’s pretty easy to spot us. We have branches from the mountains to the coast, and even South Carolina. More than 100 locations with local teams ready to help you achieve your dreams. We love what we do. We’re your local bank. We’re First Bank.
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Personal Accounts Checking
WAYS TO KEEP IT FEE FREE™
Find the checking account perfect for you. Checking Accounts
Everywhere Checking
Everywhere Plus
Everywhere Premium
Senior Checking
Campus Checking
Account Description
Our basic checking account offers free digital banking, eStatements and transactions at select ATMs.
A rewarding account with all of the benefits of Everywhere Checking, plus earn interest on your balances.
Our top-tier checking account that includes earning interest on your balance and free membership checks.
Our Senior Checking accounts, for seniors over 55, are free of monthly fees with minimum direct deposit.
Our Campus Checking accounts, for college and graduate students under 25, are free of monthly fees.
Minimum Daily Balance Required
$600
$1,200
$5,000
$600
$0
Average Collected Balance
$1,200
$2,400
$10,000
$1,200
$0
Other Waivers
Receive a direct deposit of any amount during the monthly statement cycle2
n/a
$20,000 in personal deposits (Checking, Savings, Money Market, CD, IRA, FB Wealth Brokerage Account) OR $20,000 in outstanding personal loan or HELOC balances5
$250 or more monthly direct deposit2
n/a
Monthly Maintenance Fee1
$8
$12
$20
$6
$0
Minimum to Open
$50
$50
$50
$50
$50
Interest Paid
No
Yes
Yes
No
No
Additional Benefits
Debit card with rewards
All the benefits from Everywhere Checking
All the benefits from Everywhere Plus Checking
All the benefits from Everywhere Checking
All the benefits from Everywhere Checking
Earn interest on your account balance
No First Bank transaction fees on out-of-network ATMs4
Free member checks or 50% alternate designs
Converts to Everywhere Checking at age 25
Access to easy-to-use and secure digital banking tools Mobile banking3 with mobile check deposit Quick money transfers to anyone, anywhere with Cent Budget and manage accounts using myMoney Free ATM network4
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+
+
Free member checks or 50% alternate designs Four free official checks per statement cycle
+
+
No First Bank transaction fees on 8 out-of-network ATM withdrawals per month4
Free or discounted safe deposit box
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Personal Accounts One Rewards Program
Rewards you can bank on. With our One Rewards program, your credit and debit card give you the ability to redeem what you want, when you want it and how you want it.
Use Your Card to Earn Rewards Rack up points from everyday and monthly purchases for rewards you can use on dining, shopping, travel and more.6 Personal Debit with Rewards Earn 1 point for every $3 spent on qualified purchases. Platinum Rewards Mastercard Earn 1 point for every $1 spent on qualified purchases.
Redeem Your Points Rewards points travel well and can take you almost anywhere from your favorite local restaurant, to a round of golf or even used to offset travel expenses. There are five exciting ways to redeem your rewards points: Travel Rewards
Cash Back
Gift Cards
Merchandise
Shop Local
Combine Your Points PointsPooling allows you to combine points from all your eligible debit and credit cards to earn rewards faster and view point totals at a glance. First Bank also lets you invite others to join your pool—family, friends or organizations—to help you get to your rewards goals faster!
1. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule available on our website at localfirstbank.com/fees or at your local branch. 2. Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply. 3. While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 4. ATM network includes First Bank and CashPoints® terminals. Out-of-network terminal owners may charge a service fee. 5. Eligible personal loans do not include residential mortgage loans. 6. Debit Cards must be registered to begin earning reward points. See the link below for additional Reward program details.
To start earning, visit localfirstbank.com/rewards
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Personal Accounts Savings and Money Markets
WAYS TO KEEP IT FEE FREE™
Our range of savings options helps your money work even harder for you. Savings Accounts
MyFirst Savings
Everywhere Savings
Personal Money Market
Account Description
With a MyFirst Savings, customers under 18 can start saving with no minimum balance requirement and no maintenance fees.
Our basic savings account offers free mobile and online banking with no minimum balance needed to earn interest.
Our Money Market account, for when you are ready for a long-term saving option, has higher interest earned and an accessible balance requirement.
Minimum Daily Balance Required
n/a
$300
$2,500
Average Collected Balance
n/a
n/a
$5,000
Monthly Maintenance Fee1
Free
$4
$15
Minimum to Open
$10
$50
$1,000
Free Monthly Withdrawals2
23
23
64
Minimum Balance to Earn Interest
>$0
>$0
>$0
Additional Benefits
Free 24-hour telephone banking
Free 24-hour telephone banking
Free 24-hour telephone banking
Access to easy-to-use and secure digital banking tools
Access to easy-to-use and secure digital banking tools
Access to easy-to-use and secure digital banking tools
Mobile banking5
Mobile banking5
Mobile banking5
1. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule available on our website at localfirstbank.com/fees or at your local branch. 2. Federal regulations limit withdrawals or preauthorized transfers to six (6) per month, including checks, drafts, online transfers, telephone transfers and debit card purchases. You may conduct an unlimited number of withdrawals at the ATM, in person at a branch, or by mail when the check is mailed to you. 3. Savings Account customers can make two free withdrawals per month. There is a $2 fee for each additional withdrawal. 4. Money Market customers can make six (6) free withdrawals per month. For each excessive transaction during a statement cycle, there is a fee of $15. 5. While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply.
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Personal Accounts CDs
Let your excess cash earn more with CDs. If you do not need immediate access to your funds, a CD typically offers higher rates than savings and money market accounts—the longer the term, the higher the interest. A First Bank CD is also a safe, FDIC-insured investment, typically offering guaranteed fixed interest rates.
CDs are subject to penalty for early withdrawals prior to maturity date. Penalty will reduce earnings.
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Find your closest First Bank or CashPoints ÂŽ ATM Online at localfirstbank.com/locations
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Bank Cards Debit and Credit
Gain the convenience and security of a First Bank Platinum Mastercard®.
Power of Zero
Convenience
Security
Zero Percent
Mobile Wallet
Zero Liability
New card holders will enjoy our 0% introductory APR for purchase and balance transfers for the first six months. After six months, a competitive variable APR currently between 14.40% and 24.40% will apply.*
Quickly use your credit card on the go by pairing your card with your phone. You can securely and conveniently pay for purchases anywhere Apple Pay®, Samsung Pay® and Google PayTM are accepted.
Pay only for purchases which you have authorized.
$0 Balance Transfer Fee Save money for tomorrow by paying off your high-interest debt with our $0 balance transfer fee offer.
Text Alerts & Controls Customize real-time email or text alerts to display where and how your First Bank credit card is being used to quickly detect and prevent fraudulent activity. Manage Your Account with EZCardview Securely monitor your account from anywhere with First Bank’s EZCardview.
Zero Fee
• Enjoy the convenience of 24-hour access
Pay no annual fee for your credit card accounts.
• Manage your credit card account online • Download credit card statements • Pay your credit card bill online • View multiple credit card accounts
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Mastercard SecureCode™ Protect yourself from fraudulent use of your card information online when you register your card with Mastercard SecureCode™. Built-In Chip Security Protection The embedded EMV chip allows you to pay for everyday purchases in a safer and more secure way.
Rewards Earn 1 point for every $1 spent on qualified purchases. Use your rewards points on dining, shopping, travel and more. *Rates are current as of 6/30/2019.
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Digital Banking Mobile Wallet
With mobile wallet, your money moves as fast as you. It's the quick and easy way to use your First Bank debit or credit card on the go using your mobile phone.
Tap & Pay Adding your First Bank debit card to your mobile wallet allows you to securely and conveniently pay for purchases everywhere Apple Pay, Samsung Pay, or Google Pay are accepted.
Getting Started Follow the three easy steps below to add your First Bank credit and debit cards to any mobile device.
Step One Add your card to a mobile wallet app.
Step Two To pay, hold your phone near the mobile wallet reader at checkout.
Step Three Quickly review recent activity on the First Bank mobile banking app.
Use It Online After you’ve added your First Bank debit card, you can also use it to pay for online purchases through your mobile wallet account.
While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google Inc.
To learn more, visit localfirstbank.com/mobilewallet
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Digital Banking Services
Banking solutions from any device. Our all-in-one digital banking program lets you transfer or deposit money, check your accounts, pay bills and more. It’s full in-branch service, anywhere you go.
Mobile Check Deposit
Bill Pay
First Bank’s mobile banking app makes depositing a check as easy as snapping a picture on your phone. Deposit your checks before 6 pm, and once approved, you’ll see funds the next day. It’s safe, convenient and free.
Avoid the hassle of writing checks or visiting multiple websites to stay on top of your payments.
Alerts Choose from more than 30 alerts to remind yourself about important dates, account balance information, when a check clears or when a transfer has processed.
Text Banking
With Bill Pay, you can receive and pay bills electronically from hundreds of companies such as your phone carrier, utilities, cable TV provider and many more. Set up alerts so you always know when a bill payment is drafted, authorized, canceled or processed.
Quick Money Transfer Tool A simple, secure way to conveniently send money to anyone, anywhere. Make same-day deposits and secure private transactions while skipping that rush to an ATM with this easy-to-use tool. No fees, no hassles, no complications.
Receive information via text message about your accounts including available balance; recent transactions; and transferred funds that have been drafted, authorized, canceled or processed. Enrollment in digital banking is easy at localfirstbank.com/enroll
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Financial Wellness Tools
Financial Courses
Plan for a lifetime of financial health.
Starting Out A lifetime of successful money management starts with these financial fundamentals. Financial Basics From credit scores to smart budgeting to mobile banking, find the keys to financial health. Paying for College
Our free online learning courses provide financial know-how for every stage in your life. And with MyMoney, our money management and budgeting tool, you can track your financial health in real time.
Financing a college degree anywhere begins with your financial education. Buying a Home Discover the ins and outs of finding, funding and moving into your new home. Major Life Events Whether your future holds a mortgage, a wedding or even twins, here’s how to be ready.
See Your Stats Credit Card Annual Fee
$25
Other finance charges still apply
Rewards
Earn Miles
for every dollar you spend.
Charges
Fee 3%
of amount transferred
Get a visual overview of your transactions to easily analyze and interpret your financial patterns with interactive data‑driven widgets. Create Transaction Categories Sort transactions by category (like dining out, gas, groceries and more) and create custom subcategories to keep things organized in a way that works for you. Align Your Accounts Link your accounts from other financial institutions with your First Bank account to see all of your balances and transactions at a glance.
To learn more, visit localfirstbank.com/joy
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Lending Personal Loans
Fuel your dreams with flexible loan options.
Auto Loans
Boat & RV Loans
• Competitive rates
• Fixed-rate boat and RV loans
• Can be dealer purchase, private party purchase, refinance or lease buyout • Access to funds in as little as 24 hours • Simple, secure application that can be completed in minutes • Approvals and rates good for 30 days
• Competitive rates and flexible terms • No prepayment penalty • Access to funds in as little as 24 hours • Simple, secure application that can be completed in minutes
Home Equity Lines of Credit • Leverage your home’s equity to renovate your kitchen, make a major purchase, consolidate your debt or finance your education • Low interest rates • Credit lines from $15,000
• Loan amounts from $10,000 to $100,000
Talk to your local lending expert or get connected to an expert at localfirstbank.com/personalloanscredit
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Lending Mortgage Loans
Find a house. We’ll help make it your home. Mortgage Loans Conventional Loans Conventional loans with either fixed or adjustable rates. Government Loans Get lower rates and closing costs with our government loan programs. Loans include FHA, Rural Housing and VA loans. Dream It, Own It Loans First time homebuyer? This specially built mortgage loan is for you. It features a minimal down payment and requires that you complete a homebuying education session and choose a property within certain select geographies. Jumbo Loans
One-Time-Close Construction to Permanent Loans Building a new home? With a First Bank One-Time-Close Construction to Permanent Loan, you’ll gain financing for up to 12 months for your lot, construction and mortgage with the ability to convert to a permanent loan. • Choose from a variety of fixed- or adjustable-rate loan programs
If you have a higher property value and can manage larger monthly mortgage payments, consider a jumbo, or non-conforming, loan. A jumbo loan provides financing for loan amounts higher than the maximum conforming limits set by Fannie Mae and Freddie Mac.
• Interest-only payments during construction
MedPro Loans
• A single set of closing costs
Financing and mortgage loan options for doctors and dentists. Our MedPro Loan Program is a residential mortgage loan developed specifically for physicians, dentists, optometrists, Pharm.D pharmacists, ophthalmologists, podiatrists, osteopathologists and veterinarians.
• Fixed construction interest rate for 12 months
• Used to purchase your lot in addition to financing your construction costs • Allows you to prepay without penalty
Plan for a mortgage that fits your needs at localfirstbank.com/mortgage
localfirstbank.com Equal Housing Lender
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Wealth and Insurance FB Wealth Management
Building wealth is a journey. FB Wealth Management will help guide the way.
FB Wealth Management • Asset Management Services
• Key Person Insurance • Life and Long-Term Care Insurance
• Mutual Funds, Stocks and Bonds
• Buy-Sell Agreements
• Fixed, Variable and Indexed Annuities
• Personal and Business Retirement Plans
• 401K, IRA and IRA Rollovers
• Trust and Estate Services
Securities and insurance products are offered through INFINEX INVESTMENTS INC., Member FINRA/SIPC. INFINEX INVESTMENTS INC. and FB Wealth Management, a division of First Bank, are affiliated entities. We do not provide tax advice. Consult your tax advisor. Not FDIC Insured
Not Bank Insured
Not Insured by any Federal Government Agency
Not a Bank Deposit May Lose Value
Start getting the most out of everything you've worked for at localfirstbank.com/wealth
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Wealth and Insurance Insurance Services
Coverage you can count on. Insurance for your home, car or investment property are your most common and often most misunderstood policies. We will cut through the fine print and deliver the best quote possible.
Auto & Recreational Insurance
Property Insurance
Everything Else
• Homeowner
• Personal Package
• Automobile
• Condo
• Life
• Recreational vehicle
• Farm and Ranch
• Identity Theft
• Flood
• ATV • Classic Car
• Manufactured Home
• Personal Umbrella
• Boat
• Home Business
• Disability
• Motorcycle
• Renters
• Long-Term Care
• Wedding
First Bank Insurance Services is a proud member of the Independent Insurance Agents of North Carolina and a Trusted Choice. Insurance products are underwritten by non-affiliated insurance companies. Insurance products offered are: Not FDIC Insured
Not Bank Insured
Not Insured by any Federal Government Agency
Not a Bank Deposit May Lose Value
Find a plan to protect yourself and your assets by visiting localfirstbank.com/personalinsurance
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How to reach us: Customer Service Center
Lost or Stolen Debit Cards
Telephone: 1-866-792-4357 Hours: Mon – Fri, 8 am to 6 pm
Telephone: 1-800-500-1044 (24 hours)
• General account inquiries about your checking, savings, loans and CD accounts • Personal digital banking and bill payment questions
Lost or Stolen Credit Cards
• Help with digital account openings
Telephone: 1-866-563-1335 (24 hours)
• Bank debit card questions Email: CustomerService@LocalFirstBank.com (no account information, please)
Credit Card Payments Mail payments to: P.O. Box 70222, Philadelphia, PA 19176
24-Hour Telephone Banking Telephone: 1-888-518-4636 • General account inquiries about your checking, savings, loans and CD accounts
Insurance Services Telephone: 1-866-399-6222 • Free consultation and insurance quote
Bankcard Services Telephone: 1-866-256-2273 Fax: 910-572-9785
Loan Operations
• General inquiries about your debit or credit card • Activate your First Bank debit or credit card
Mail payments to: P.O. Box 615, Troy, NC 27371
One Rewards Customer Service
Mortgage Loans
Telephone: 1-866-244-8861
General Mortgage Servicing: 1-866-443-3394 Residential Construction Loan Servicing: 1-866-792-4357
• General inquiries about your debit or credit card reward points • Make a redemption using your reward points
localfirstbank.com @localfirstbank Member FDIC