First Bank Digital Banking Features and Benefits

First Bank's digital banking platform offers a mobile banking app that allows users to manage their accounts on-the-go.

The app provides real-time account balances and transaction history, ensuring users always have up-to-date information about their finances.

Users can also transfer funds between their First Bank accounts and external accounts, making it easy to manage their money.

The mobile banking app is available for both Android and iOS devices, giving users flexibility in how they access their accounts.

First Bank's digital banking platform also includes online banking, which allows users to access their accounts from a computer.

Digital banking is a way of managing your finances online or through a mobile app, making it easier to do everyday banking tasks.

You can check your account balance, pay bills, and even transfer money to others with just a few clicks.

First Bank's digital banking platform allows customers to access their accounts 24/7, from anywhere in the world.

This convenience is made possible by secure online banking systems, which use encryption and other security measures to protect your sensitive information.

Banking is a platform that allows you to access your accounts 24/7. It's a convenient way to manage your finances.

FirstBank's Digital Banking is a type of banking that you can access from your computer or phone. You can use the App Store for Apple mobile phones or the Google Play Store for Android mobile phones to find the mobile application.

The Digital Banking platform has different functionalities and services that you can use to self-serve at your convenience. This includes accessing your accounts, making transactions, and managing your finances.

Digital banking is all about convenience and accessibility. With the First Bank mobile app, you can bank anywhere, anytime securely from your Apple device.

You can view real-time account balances and recent transaction history, transfer funds, deposit checks into your First Bank accounts, and more. The app is available 24/7, so you can take care of your banking whenever and wherever you want.

First Bank has over 100 branches spreading across North Carolina and South Carolina, but with the mobile app, you can bank with them without having to physically visit a branch. You can even deposit checks on the go using their mobile deposit feature.

The First Bank app allows you to move funds between First Bank accounts and external accounts, and you can also gain financial clarity with their MyMoney feature, which lets you view financial patterns, create custom categories for transaction history, and link accounts from other financial institutions.

First Bank is the leading independent, full-service community bank in the Carolinas, and they offer a range of services from personal to business banking. They're ranked No.1 Community Bank in North Carolina by Forbes for 2020 Best-In-State Banks.

You can quickly and safely access your account information online. This includes reviewing your balances and transactions, as well as downloading the transaction history of your deposit accounts, credit cards, loans, and lines of credit.

You can also manage various services for your accounts, such as creating travel notifications, canceling and replacing your debit or credit card, and requesting checking or savings account certifications. Additionally, you can reorder checks, manage stop payments, and access e-Statements for up to 18 months.

Here are some key account management services you can access online:

You can access your account information 24/7 with FirstBank's digital banking platform.

With digital banking, you can see your balances and transactions in real-time. You can even access up to 12 months of transaction history by downloading a file in various formats.

FirstBank's modular services allow you to process payrolls or suppliers payments.

You can also enjoy additional services like travel notification, cancellation of cards, and stop payment of checks.

Here are some key benefits of digital banking:

With FirstBank's online banking, you can quickly and safely access your account information 24/7 from any computer with internet.

You can review balances and transactions, and download the transaction history of your deposit accounts, credit cards, loans, and lines of credit.

To manage your accounts, you'll want to create travel notifications, cancel and replace your debit or credit card, and request checking or savings account certifications.

Here are some specific services you can use to manage your accounts:

You can also access the Disclosure of Fees, Terms, and Applicable Rates for each product to know the details of the applicable charges for each deposit account.

In Digital Banking, you'll be able to see all the accounts or products you have with FirstBank.

These include checking accounts, savings accounts, credit cards, mortgage loans, auto loans, leases, personal loans, lines of credit, and reserves.

You'll also be able to view IRAs and CDs in one place.

Auto loans require specific documents, such as a reference letter, cancellation balance letter, title of ownership, loan cancellation letter, and insurance unearned premium letter for auto policy.

Having a clear picture of your account's disbursement can be a game-changer for your financial management.

You'll receive daily notices until 11:00AM of checks presented for collection through the Clearing House, pending for process at the close of the business day.

This means you can anticipate potential overdrafts or excess funds in your accounts for the next day, allowing you to manage your liquidity position effectively.

By receiving this daily notice, you'll be able to maximize your investment opportunities and make the most of your funds.

Here are the benefits of disbursement control:

Transferring funds is a breeze with First Bank's Digital Banking. You can transfer money between your accounts or to other FirstBank accounts, and even schedule transfers to run automatically as often as you need.

To make a transfer, you can access the guide in Digital Banking, which will walk you through the steps. Alternatively, you can make two types of transfers: between your accounts and to other FirstBank accounts.

Transfers between your accounts are done in real time, and you'll receive confirmation once the transaction is completed. You can also monitor transfers in real time and manage a high volume of transfers with ease.

Here are the types of transfers you can make in Digital Banking:

You can transfer money between your own accounts or to other people with FirstBank, no matter where you are.

Types of transfers include between your accounts, and between FirstBank accounts, which allows you to transfer money to other FirstBank customers' checking or savings accounts.

To make a transfer, you can schedule it to run automatically as often as you need, and on the dates that you want.

You'll receive confirmation once the transaction is completed, and you can monitor transfers in real time.

Here are the types of transfers you can make in Digital Banking:

To issue a transfer in Digital Banking, access the guide for the steps on making transfers.

Transferring cash between your accounts is now easier and done in real time, with the ability to manage high volumes of transfers.

You'll receive a unique 5-character code sent to your registered email address to validate a transfer to another account before processing the transaction.

Transferring Funds can be a breeze, especially when you know the fees involved. You won't be charged a fee to transfer money to other FirstBank accounts.

Some banks may have hidden fees, but FirstBank keeps things straightforward. You can transfer money to other FirstBank accounts free of charge.

Wire transfers are a convenient way to send money abroad, and they're often effective almost immediately, especially for domestic transfers. This means you can get the money to the person who needs it quickly.

With wire transfers, you can send money in foreign currencies like the Euro, Peso Mexicano, and Australian Dollar. This is especially useful for international transactions.

You can also keep track of your transaction history for 12 months, which can be helpful for tax purposes or just for keeping tabs on your finances. It's always a good idea to keep a record of your transactions.

One feature of wire transfers is that you can set approval levels, which can be useful if you're sending large amounts of money or want to make sure someone else is involved in the process. This can be a good way to add an extra layer of security.

You'll also receive notices when the transaction is completed or received, which can give you peace of mind and help you stay on top of your finances.

With First Bank Digital Banking, making payments is a breeze. You can pay bills to over 4,000 registered merchants using your FirstBank checking accounts.

You can also pay off FirstBank loans, credit cards, and lines of credit with your FirstBank accounts or using accounts from other financial institutions in Puerto Rico and the United States. This includes mortgage loans, personal loans, boat loans, auto loans and leases, and credit cards.

To make payments, you can schedule them to run automatically as often as you need, and on the dates that you want. You'll receive confirmation once the transaction is completed.

Here are the types of payments you can make in Digital Banking:

Making payments is a breeze with FirstBank's Digital Banking. You can make payments to over 4,000 registered merchants using your FirstBank checking accounts.

You can also pay your FirstBank mortgage loans, personal loans, boat loans, auto loans and leases, credit cards, and lines of credit with your FirstBank accounts or using accounts from other financial institutions in Puerto Rico and the United States. This includes paying off your credit cards and lines of credit.

To make things even easier, you can schedule your payments to run automatically as often as you need, and on the dates that you want. This way, you can ensure that your bills are paid on time without having to think about it.

Here are the types of payments you can make in Digital Banking:

You can also pay the following FirstBank accounts through Digital Banking:

And if you need to transfer money between your accounts, you can do so in real time, receiving immediate confirmation of the transaction.

You'll know if your payment was processed or declined through a notification via email, which includes the date, amount, account to be paid, and confirmation number of the transaction.

This email notification is a reliable way to confirm whether your payment was successful or not, so be sure to keep an eye out for it after making a payment.

You can also check your payment status on the History section of Digital Banking, where you'll find a record of all your transactions.

This makes it easy to keep track of your payments and stay on top of your finances, even when you're not at your computer.

Making payments just got a whole lot easier. You can cancel a payment with just a few clicks, and receive confirmation once the process is complete.

You can issue a stop payment on one or several checks at any time, and even cancel the stop payment through the same platform.

One of the best things about online stop payments is that they're received immediately and easily. No more waiting around for days or weeks for a payment to be processed.

You can also keep a record of all the stop payments you've made online, which is super helpful for keeping track of your financial transactions.

Here are some benefits of online stop payments:

The Payment Station service is a convenient way to expand your payment centers. It allows you to use FirstBank's branches and affiliated cooperatives as payment centers for your company.

With this service, you can make all FirstBank branches and cooperatives affiliated to their network into payment centers. This provides a broad physical network where your clients can make payments.

You can receive direct credit to your FirstBank account through the Payment Station service. This means you don't have to worry about handling cash or other payment methods.

The service also provides an electronic report or file detailing the received payments. This makes it easy to keep track of your payments and stay organized.

Here are the benefits of using the Payment Station service:

You can set up alerts in Digital Banking to receive email messages about your account balance, transfers made, and security alerts about your profile activity. You can customize the frequency and parameters for these alerts.

To set up notifications, you can refer to the written guide in PDF format that shows you how to activate electronic statements and set up notifications. This guide will walk you through the process step by step.

You can receive security alerts, failed login attempts, duplicate sessions when your account is open on two devices, and when you make changes to your security settings. These alerts will help keep your account safe and secure.

You can set up notifications for account balance, account activity, and e-Statement notifications. This means you'll receive updates on your account activity, including when your balance changes.

You can decide how often you want to receive these notifications. For example, you can choose to receive a notification when your account balance is higher or lower than a certain amount.

FirstBank's digital banking platform offers a convenient way to manage your business finances. You can access your account at any time, making it easy to stay on top of your cash flow.

With FirstBank's Business Digital Banking Platform, you can easily manage your business finances.

Welcome to Business Banking Cash Management Platform, where you can access your account at any time. This means you can manage your finances on your own schedule, without being tied to traditional banking hours.

You can access your account from anywhere, making it easy to stay on top of your business finances even when you're not in the office.

Positive Pay is a powerful tool for businesses to prevent check fraud and unauthorized debits. It electronically matches checks and ACH debits against your account records to detect any discrepancies.

You can decide which checks must be paid, giving you greater control over your disbursements. This feature helps you avoid cashing unauthorized, stolen, or duplicate checks.

Teller Positive Pay allows you to instantly detect fraudulent checks presented for collection through your branch network, mitigating your disbursement risk. Automated check reconciliation is also a huge time-saver.

Here are the benefits of Positive Pay:

With ACH Positive Pay, you can avoid unauthorized ACH debits by deciding which debits enter your account. You have the option to reject or pay any ACH debit presented as an exception, giving you greater control over your debits.

Commercial Bill Payment is a convenient feature for businesses that want to streamline their payment collection process. You can receive payments from clients through FirstBank's digital platforms, which automates your collection channels.

The service guarantees direct credit to your account, with funds verified before processing the transaction. This reduces the volume of returned transactions, which can save you time and effort.

One of the benefits of Commercial Bill Payment is that you receive direct credit for the total payments received into your account. This means you can access the funds quickly and efficiently.

Here are some key benefits of Commercial Bill Payment:

If you have any questions or want to learn more, you can call FirstBank at 787-729-9290 (option #2).

Online banking with First Bank is incredibly convenient. You can access your account at any time, 24/7 from any computer with internet.

The features are numerous and user-friendly. You can view real-time balances, transfer funds between accounts, make loan payments, pay bills, and view account histories. Online banking is also safe and secure, and free with Altoona First accounts.

Some of the key features include:

Deposit with Mobile is a convenient and safe way to deposit checks using your mobile device. You can do it through the Digital Banking mobile application at any time and anywhere.

You'll need to endorse your check by signing it, writing "For mobile deposit only” and the account number. This ensures the deposit is processed correctly.

Deposits sent before 7:00 p.m. on regular business days will be processed on the same day, subject to verification and validation of the deposit. This means you can get the funds in your account quickly.

The deposit limit is $10,000 per check, per day, and $20,000 per month. This gives you flexibility to deposit larger checks if needed.

Here's a quick summary of the key details:

ACH Positive Pay is a game-changer for anyone who wants to stay on top of their finances. It allows you to decide which ACH debits enter your account, giving you the power to reject or pay any debit presented as an exception.

This feature alone can save you from unauthorized ACH debits. By taking control of your debits, you can avoid unexpected charges and keep your account safe.

With ACH Positive Pay, you have the option to reject or pay any debit presented as an exception. This means you can choose which debits are allowed to enter your account and which ones to reject.

Here are some key benefits of ACH Positive Pay:

By using ACH Positive Pay, you can keep control of the checks you pay and avoid any unwanted surprises.

With FirstBank's Business Digital Banking Platform, you can make preauthorized debits from your clients' accounts to facilitate your collections process and update your accounts receivable.

You can access your account at any time to keep track of your collections and make any necessary adjustments.

ACH Collections allows you to automate your collections process, reducing the need for manual handling and minimizing the risk of errors.

You'll receive a detailed report of any returned collections, helping you to identify and resolve any issues quickly.

This feature is a great time-saver, allowing you to focus on more important tasks and grow your business.

Online banking has made our lives so much easier. You can access your account at any time, 24/7, from any computer with internet.

One of the best things about online banking is that it's free with Altoona First accounts. This means you can take advantage of all the features without having to pay a dime.

You can view real-time balances, which is super helpful for keeping track of your finances. This feature is available 24/7, so you can check your balance at any time.

Online banking also allows you to transfer funds between accounts, make loan payments, pay bills, and view account histories. It's all so convenient and easy to use.

Here are some of the key features of online banking:

Whether you're paying bills, transferring funds, or just checking your balance, online banking makes it all so easy.

Enrolling in eStatements is a great way to simplify account management and reduce clutter. You can access your account statements online at any time.

With eStatements, you can check images of your statements online, which is convenient and eliminates the need to store paper copies.

eStatements also help reduce the chance of identity theft by keeping your statements private and secure online.

Previous 12 eStatements are stored online for your reference, and you can download and save them as needed.

You can access your eStatements 24/7 from any computer with internet access, making it easy to manage your accounts from anywhere.

The highest level of security is used to protect your eStatements, so you can feel confident in their safety.

At First Bank, digital banking security is top-notch. FirstBank's Mobile Banking App supports biometric login options, including facial or fingerprint recognition, which helps keep your accounts secure.

Facial or fingerprint recognition is a quicker and easier way to access your accounts compared to traditional login methods that rely on a user name and password. Your fingerprint and face are nearly impossible to replicate, so accessing your account requires you to be physically present.

Biometric data never leaves your phone, so even FirstBank is unable to access this information. This provides an additional layer of security and peace of mind.

Additional security measures may be required when accessing FirstBank's Online Banking and the Mobile App, such as security questions, one-time passcodes, or push verification requests. These measures help protect your accounts against unauthorized activity.

Here are some common additional security measures you might encounter:

Account security is a top priority, and FirstBank takes it seriously. Your accounts are protected with additional security measures when you access Online Banking or the Mobile App.

These measures may be required for new services or when a login or transaction attempt is identified as higher risk. You may be prompted with security questions, one-time passcodes, or push verification requests.

Security questions are a set of questions you create to validate your identity. They should be answered in a unique and complex way to prevent unauthorized access.

One-time passcodes are sent to your registered devices and must be entered into the device you're using to login. These passcodes are unique, never share them with anyone, and expire quickly.

Push verification requests are designed to protect your accounts against unauthorized activity. They allow FirstBank to send verification requests directly to your mobile device in real time, allowing you to confirm or decline certain payments.

Here are the different types of additional security measures you may encounter:

Online banking systems can be frustrating, especially when they're supposed to be intuitive and easy to use. This is evident in the struggles of a customer with First Bank, who had to call them to make changes within accounts to be paid.

The customer's experience is a stark reminder that even with modern technology, security and authentication issues can persist. They had to delete one account completely because it was being paid out even after they changed it online the previous week.

Online BillPay should be fluid and easy to make changes, but for this customer, it was not. They were forced to resort to calling the bank to resolve issues, indicating a lack of seamless authentication.

The customer's experience is a testament to the fact that security and authentication issues can be a major pain point for users.

To log in to First Bank's digital banking, you'll need to enter your username, password, and security question answer. This is the same information you'd use to log in to the mobile app or website.

Make sure you're using the correct login credentials, as incorrect information can lead to denied access. If you're still having trouble, try resetting your password through the app or website.

First Bank's digital banking system is designed to be secure, with multiple layers of protection to safeguard your account information. However, if you're experiencing issues, you can contact First Bank's customer support team for assistance.

So, you're wondering how quickly loan payments are processed in Digital Banking? Payments issued from your FirstBank accounts before 5 p.m. from Monday to Friday will be debited and processed on the same day.

If you make payments after 5 p.m. or over the weekend, they'll be processed on the next business day. Payments made using accounts from other banks will be processed on the same day if issued before 5 p.m. Monday through Friday.

Here's a quick summary of the payment processing timeline:

To log in to FirstBank's Online Banking, you can use the Mobile Banking app without entering your password, thanks to Quick Login.

Quick Login is a secure way to access Online Banking, and it's available once you've activated it.