Idea Transcript
Frequently Asked Questions Mobile Banking Mobile App Consumer Online Banking Business Online Banking Internet Cash Management Business Credit Card Management 24–Hour Telephone Banking Sending & Receiving Wire Instructions Mortgage & Loan Statements Customer Service Products
FirstBank's routing number is 107005047. You can also find this at the bottom of your checks.
Consumer Fee Schedule (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/CO/Cons) Commercial Fee Schedule (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/CO/Comm)
Consumer Fee Schedule (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/AZ/Cons) Commercial Fee Schedule (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/AZ/Comm)
Consumer Fee Schedule (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/CA/Cons) Commercial Fee Schedule (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/CA/Comm)
Login to Online Banking and then select Checks & Deposits Slips from the navigation menu under Settings. You can also call us at 1-800-964-3444 or visit your local .
Our lobby hours are typically 9:00AM – 6:00PM, M–F and 9:00AM – 12:00PM on Saturdays. However, these can vary slightly by location. To find the closest FirstBank location to you and the hours, visit our page.
1099–INT forms are mailed during the first week in January each year. Keep in mind that you won't receive a 1099–INT form if you earned less than $10 interest during the previous tax year. If you have misplaced your 1099–INT form or did not receive one and you believe you should have, please call us at 1-800-964-3444 or visit your local branch.
If your employer offers Direct Deposit, you can have your paycheck automatically deposited into your account. Print and complete the direct deposit form (/_assets/documents/directdeposit.pdf) and bring it or mail it to any .
Log in to Online Banking and then select Card Management from the navigation menu under Accounts. You can also call us at 1-800-964-3444or visit your local FirstBank branch.
Table of Contents:
Mobile Banking Mobile Website ()
With Mobile Banking from FirstBank, you can do almost all of your banking using your mobile device, without ever entering a branch by using our Mobile App or Mobile Website. The only downside: no free candy.
FirstBank does not charge any fees for Mobile Banking. Connectivity and usage rates may apply. Contact your wireless service provider for more details.
All terms and conditions applicable to Online Banking apply to Mobile Banking. Click here (/redirect/redirect.do?appId=fbonline&forward=disclosureListLoad) to view disclosures.
FirstBank safeguards your information according to established security standards and procedures in order to keep your financial information secure and confidential. We use many lines of defense to protect your account information, including encryption, firewalls, timed log off, virus protection, and a secure login process. You can depend on your accounts and your account information being safe. More information on Internet security. (/firstbank/privacy-policy.htm)
Wireless networks are common in a variety of locations, such as coffee shops and restaurants. These connections are typically insecure and pose an increased risk of data theft. When possible, instead of using free wireless networks, use your device's native data connection such as your wireless network carrier.
No. 128 bit SSL encryption protects your information as it travels from your mobile device to the bank. The 128 bit SSL encryption technology is the same encryption that safeguards internet traffic for secure web applications.
Yes. If you are not enrolled in Online Banking, you can enroll from a computer. Visit our Online Banking (/internet-banking/log-in-sign-up.htm) page for information on how to enroll.
You can use the Customer Service features (contact information, frequently asked questions, etc...) within our Mobile App or Mobile Website without being enrolled in FirstBank Online Banking. For security purposes, you must be enrolled in FirstBank Online Banking to access account information and perform banking transactions using the Mobile App or Mobile Website.
No. For your own safety, we'll ask you to use your Online Banking User ID and Password to access Mobile Banking. When you first attempt to log in to Mobile Banking, we'll prompt you to enter one of your Security Questions. If you prefer not to be challenged with a Security Question in the future, you can choose to "Remember This Device."
Your Mobile Banking and Online Banking access will be locked after the third invalid User ID, Password, or Security Question entry. You can reset your Password through Online Banking at www.efirstbank.com (/home.htm) or by calling us 24 hours a day at 303-232-5522.
Just as with Online Banking, all account data resides at FirstBank. We require users to enter a valid User ID and Password to access the secure Online Banking site. If your mobile device is stolen, they won't be able to access your sensitive Mobile Banking or Online Banking information without your User ID and Password but you should also notify us. You can contact us 24 hours a day at 1-800-964-3444 or 303-232-5522.
Yes, just like your session in Online Banking using a computer, your Mobile Banking session will time out. Please ensure you are active on the site after you have logged in.
Yes. You can view all accounts through Mobile Banking that you view through Online Banking.
Yes, you are able to make payments using our Mobile App or our Mobile Website.
Yes. You can find the nearest ATM and branch locations using your current location or by entering an alternate location.
A data plan enables the services which include accessing the Internet and receiving data messages with your mobile device. Your mobile device must be able to access the Internet. Plans and fees vary by mobile network provider.
Yes, you are able to access your business account information by downloading the FirstBank ICM Mobile App. For more information and frequently asked questions see Internet Cash Management Mobile Banking in the Questions & Answers section. ()
The Mobile Website is a website designed for all mobile devices accessed through a web browser.
Using our Mobile Website you can bank virtually anywhere. You can: View account balances View account details View transaction history View pending payments View recent payments View eBills Change a payment Delete a payment View check and deposit item images Transfer money Pay bills Contact us via telephone, email, or text message Find ATM and branch locations Find answers to frequently asked questions
To get started, simply go to efirstbank.com (/home.htm) using your mobile device's Internet browser and log in. For the quickest, most convenient experience, add efirstbank.com to the home screen of your mobile device for a one-tap shortcut to the application. You'll never have to type this URL again.
Mobile Banking works on most mobile devices (smart phones & tablets) with Internet access using the Internet browser preloaded on your device. We evaluate new devices and browsers on an ongoing basis for compatibility with our site. If you are having issues accessing our Mobile Banking service, please contact us at 303232-5522.
Table of Contents:
What is the Mobile App Mobile Deposit FirstGlance Automatic Bill Pay Management Push Notifications Fingerprint Login ()
The Mobile App is an app designed for select smartphones. To get started, visit your device's app store and search for FirstBank. You will know it's us by our orange cube logo.
When you first login you will be prompted to answer a security question and "Remember this Device" will be checked for your security and convenience.
Using our Mobile App you can bank virtually anywhere. You can: Use "Pay Now" to conveniently pay your FirstBank loans, Credit Card, or Cash Reserve View account balances View account details View transaction history View pending payments View recent payments View eBills Change a payment Delete a payment View check and deposit item images Transfer money Pay bills Contact us via telephone, email, or text message Find ATM and branch locations Find answers to frequently asked questions Deposit checks
Pay Now is a feature where you can pay your Credit Card, Cash Reserve, Mortgage, or other loan accounts directly from the Accounts page. If you have a balance on one of these types of accounts, the Pay Now feature will display on your Accounts screen. You may need to "swipe" the account tile to access the Pay Now feature.
The two dots indicate your ability to swipe the tile for additional information.
FirstBank makes it easy to contact us by providing you one-tap Customer Service access within our Help menu. Simply tap the menu
in the upper right
hand corner. ()
Mobile Deposit enables you to use your mobile device to take pictures of checks and send these check images to FirstBank to be deposited into your account.
Mobile Deposit is free.
Any personal or business customer with Online Banking and an eligible Checking, Saving, or Loan account may use Mobile Deposit.
You may enroll for Mobile Deposit by navigating to Deposit within the mobile app and reading and accepting our Electronic Banking Agreement.
The cutoff time for Mobile Deposit is 9 p.m. Mountain Time. Items received for deposit after the cutoff time, on weekends, or on bank holidays will post the next business day.
Items received for deposit are subject to verification and to the terms and conditions of the FirstBank Deposit Agreement, similar to deposits made with a bank teller. Typically, the first $500.00 of your deposit will be available within 3-5 hours of the deposit with the full amount available the next business day.
We do not accept currency, foreign checks, savings bonds, and money orders.
Store the deposited checks in a secure location for 30 days. Then destroy the checks so they may not be accessed or used again.
There is a 24 hour limit and per item limit of $5,000.
You may use Mobile Deposit on any supported mobile device with a camera. ()
FirstGlance allows you to quickly and conveniently view account balances and the number of eBills due before logging into the app. Once activated, simply swipe the orange FirstBank cube upon opening the app to view balance and eBill information. FirstGlance will automatically close after 15 seconds of inactivity.
FirstGlance displays Checking, Savings, Credit Card, and Cash Reserve accounts for both consumers and businesses with Online Banking. Up to three accounts may be selected. In addition, if you are enrolled for Bill Pay, the number of eBills due will display.
Yes, you can choose any three accounts as long as they are a Checking, Savings, Credit Card, or Cash Reserve account.
Checking and Savings accounts display your available balance. This is your balance as of close of business the previous business day minus or plus any transactions that may occur that day or in the near future. Credit Card and Cash Reserve accounts display your current balance, which is the balance of your account as of close of business the previous business day.
Log into the mobile app and select FirstGlance from the main menu. You will be guided through the enrollment, where you may choose up to three accounts to display.
Swipe the orange FirstBank cube left upon launching the app.
Yes, you may use FirstGlance on as many compatible mobile devices as you would like. You may select different accounts to display for each device.
Select FirstGlance from the main menu. Toggle the "On" button to "Off."
Please notify a Customer Service Representative if your device is lost by calling 1-800-964-3444 so we may turn this feature off. For your security, no full account numbers or identifying information displays in FirstGlance.
Use the keypad lock or phone lock on your device when it is not in use. Turn off the FirstGlance feature prior to loaning out your device. Avoid storing banking passwords or sensitive information on your device.
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Yes. To get started, navigate to Bill Pay from the main menu in the app and select the Pay tab. Tap “Next Available Pay Date” to change the frequency and begin setting up your automatic payment.
Navigate to Bill Pay from the main menu in the app and select the Payments tab. Under pending payments, tap the “Automatic” icon for the payment you would like to change. You can then edit the information in the automatic payment or tap the trash can icon to delete it.
Navigate to Bill Pay from the main menu in the app and select the Payments tab. Under pending payments, tap the tile of the payment you would like to edit. You can then edit the information for the next scheduled payment. Future scheduled automatic payments will not be affected.
You cannot add automatic payments linked to eBills through the Mobile App. Please visit the FirstBank website to add these types of automatic payments. ()
Push Notifications allow the FirstBank Mobile App to alert you of new notifications or tasks while you are not actively using the app.
Push Notifications are available for any device that is compatible with our app.
You will be asked if you want to enable Push Notifications when you log in to the app for the first time. Push Notification can also be enabled through your device’s Settings Menu.
You will not receive all of your FirstBank account alerts and notifications as Push Notifications. Push Notifications will only be sent to let you know if you have any high priority notifications or tasks that need to be completed within the Online Communication Center in your Online Banking profile. Please note that we cannot guarantee that you will receive all of the Push Notifications that FirstBank sends. If your device is turned off when the notification is sent, you might not receive the notification when you turn your device back on.
Yes, Push Notifications can be turned off through your device’s Settings Menu. ()
Fingerprint login allows you to use your fingerprint instead of a password to login to the FirstBank Mobile App.
Fingerprint login is available on select devices equipped with an eligible fingerprint scanner. Please call 1-800-964-3444 for information on device compatibility.
You will automatically be prompted to register for fingerprint login the first time you log in using an eligible device. You can also register while you are logged in through the settings menu of the FirstBank Mobile App.
Yes, to keep your login information secure, we use Transakt provided by Entersekt, to validate your device registration. Transakt Deploys an X.509 digital certificate technology to the FirstBank mobile app, enabling a secure connection to your Online Banking Profile.
The basic Online Banking Service includes the ability to view account balances, transaction images, account statements, and transfer funds between your FirstBank accounts. This service is free if you elect to review your account statements using the Electronic Statement Service (eStatements) and discontinue receipt of your paper statements in the mail. Otherwise, the fee is $3.00 per month and will be deducted on the first business day of each month from the personal checking or savings account of your choice. If you keep a total average balance of $10,000 in your FirstBank personal checking accounts, this monthly fee will be waived. The optional financial management software download service is FREE. This service automatically enters banking activity into your software's online check register.
1. A FirstBank personal checking or savings account. 2. An e-mail address. We use this address to inform you of enhancements to the service, and to notify you of Electronic Statement delivery and other notifications you can set up on the account. 3. A browser that supports 128-bit encryption. We recommend you use the latest version of Firefox or Internet Explorer on Windows, or the latest version of Firefox or Safari for Macintosh to access Online Banking, as our experience has been that the service performs best with these browsers. To download the most current versions of these browsers, click on the appropriate link below. Download Internet Explorer (/firstbank/exit.htm?site=http://www.microsoft.com/windows/internet-explorer/) Download Firefox (/firstbank/exit.htm?site=http://www.mozilla.com/en-US/products/firefox/) Download Safari (/firstbank/exit.htm?site=http://www.apple.com/safari/download/) 4. A computer with a nice mousepad will make this more fun (optional).
Complete the online application (/redirect/redirect.do?appId=ibank&forward=facesenrollload) to start accessing your accounts immediately. Please contact us at 303-2325522 or 1-800-964-3444 if you have any questions.
All customers are required to access the Online Banking Service using a browser that supports 128-bit encryption. Encryption protects information as it travels between your PC and FirstBank. If you have an older browser it may not support 128-bit encryption. If this is the problem, you will need to upgrade your browser before you can use Online Banking. If you have further problems or need assistance, please send us an email or call us (/customer-service/contact-us.htm) .
Click here (/redirect/redirect.do?appId=ibank&forward=facespswdresetload) to reset your password online.
Please contact us (/customer-service/contact-us.htm) by calling 1-800-964-3444.
As long as your computer has Internet access and a browser that meets our security requirements, you can access Online Banking from anywhere. Like where you are right now, for instance. Because this service is Internet-based, you do not have to worry about using a computer with special software.
You can see transactions from your previous three statement cycles, plus any transactions since your last statement. You also have access to electronic account statements (eStatements) which are archived online for 36 months.
If you are an authorized signer on the business accounts, you can enroll for Business Account Access which will allow you to combine your personal accounts with your business accounts under your personal online banking profile.
You can enroll for Business Account Access under the Settings tab in Online Banking. You must sign into Online Banking with your personal login credentials.
The enrollment page for Business Account Access can only be accessed if you are logged in with your personal Online Banking credentials. You must be an authorized signer on the business accounts to enroll for Business Account Access. If you need additional assistance, please contact us at by calling 1-800-964-3444.
There are a few different reasons why you are having difficulty opening your eStatement. Please contact us so we can trouble shoot and resolve your situation.
To view your eStatement, you will want to select “eStatements” from the navigation bar at the top of the page under “Accounts.” Then, use the drop down arrow to the right of the account to select the statement period that you would like to view and click on the gray “eStatement” button. Your statement will open in a new window.
FirstBank offers a service that automatically enters transactions into your financial management software. We currently support versions 2015 and newer for Quicken and QuickBooks. To sign up for this service, select 'Downloads' from the 'Accounts' menu (must be logged into Online Banking).
Time Savings accounts are not available because there is an early withdrawal penalty assessed if you transfer funds from this type of account.
When a savings account goes to a zero balance, the computer will automatically close the account. Since the account has been closed, it is no longer available via your Online Banking Service. Please contact us to reopen your savings account.
Business to business transfers are not permitted in Online Banking. If you need the ability to initiate intercompany transfers, this functionality is available in our Internet Cash Management application.
FirstBank's Bill Payment Service delivers most payments electronically and without checks and stamps. First, you will create a list of companies or individuals you pay on a regular basis. Then, each time you want to pay a bill, you select the payee from the list you created, select the account to be charged, input the amount you want to pay, and input the date it needs to be sent. Most payments will be deducted from your checking account on the scheduled date and be sent to the payee either electronically or via corporate check, depending on the payment method accepted by the merchant. It can take up to five business days for the payment to be received and processed by the payee, so you will want to make sure to schedule it in time to arrive before the due date.
We don't know of many people who don't enjoy receiving money, so you can generally pay any individual or business with an address in the United States you would normally pay by mailing a check. You should not use the service to schedule any payments for tax or court-ordered payments. (We will not be responsible for any posting problems associated with these types of payments).
The following information needs to be included for payments to financial institutions: Payee Name — Account Holder's Name Address Line 1 — C/O Financial Institution's Name Address Line 2 — Financial Institution's Address
This depends on the merchant's capability and preference. If the merchant cannot or does not want to receive the payment electronically, the merchant will be sent a check along with the information needed to process your payment.
You can access up to 24 months of paid bill payment history through Bill Pay. Simply select the Activity tab. From this page enter the Date Range to view up to 24 months of paid payments.
The Bill Payment Service for commercial customers, including sole proprietorships is $5 per month per authorized user.
You are able to enter anything into the account number field. If you do not have an account number, you may want to consider entering your name in the account number field so the payment is properly applied. You can also enter a description of the payment, such as 'Lawn Care'.
A bill you receive in your inbox instead of your mailbox, although we can't say you'll enjoy getting it any more. You can view and pay these bills at the Payment Center. We have established relationships with hundreds of companies nationwide, and these companies can send us an electronic version of your bill. These electronic bills, which are also called e-bills, typically contain the same information included in the paper bills that are mailed to you. Your biller may offer the following features as part of your electronic billing service: Receive your electronic bill through e-mail. Pay your electronic bills automatically. Allow you to have a different address, known as your service address, where you receive your services.
When you start receiving electronic bills, an electronic bill icon appears next to the biller name in the Pay Bills section of the Payment Center. You can also find electronic bill information in the Payment Assistant. You can click the electronic bill icon, or e-bill links in the Actions section of the Payment Assistant, to view and pay your bill. The bill also appears in the Bill Reminders section of the Payment Center as soon as Bill Pay receives it from your biller. The reminders list shows the amount due and due date from your bill.
Payments must be scheduled at least four business days prior to the due date to ensure they are received by the due date. Monday through Friday are considered business days, with the exception of Federal Holidays. This four-business day window accounts for the time it takes the bill to be sent to and processed by the merchant. Payments are sent either electronically or by corporate check as determined by the payment method accepted by the merchant. Payments can also be delayed if the address or account information is incorrect. If the payment was scheduled at least four business days prior to the due date and the account and address information is correct, please contact us to file a dispute.
Yes, you are able to access your account information using the web browser on your mobile device. You simply need to enter efirstbank.com (../home.htm) . For more information and frequently asked questions, see Mobile Banking in the Questions & Answers section.
We protect our Online Banking with the Internet's safest and most powerful robot police, so it's incredibly safe. FirstBank safeguards your information according to established security standards and procedures in order to keep your financial information secure and confidential. We use many lines of defense to protect your account information, including encryption, firewalls, timed log off, virus protection, and a secure login process. Whether you're signing up online for Online Banking, transferring money or paying your bills, you can depend on your accounts and your account information being safe. More information on Internet security (/internetbanking/security-privacy.htm) .
No. At least as long as you keep your User ID and Password private. Notify us immediately if you think someone may know your password. Hint: your password should not be “password.”
For your security, no one knows your password but you. Therefore, if you forget your password, we do not have access to it. However, if you call 24-Hour Customer Service, we will be able to reset your password so you can choose a new one. Our number is 303-232-5522 or 1-800-964-3444.
1. Do not give or disclose any part of your User ID and Password to anyone. Bank employees will request your User ID when accessing your account profile, but should never ask for your Password. 2. Do not have your account information, including your computer screen, out in an open area accessible by others. 3. Do not send your User ID and Password or account information over any public or general email system. 4. Do not release any personal information on the phone, in the mail, or over the Internet unless you initiate the contact or are certain you know whom you're dealing with. 5. Contact us immediately if there are charges on your account you don't recognize. 6. Do not leave your computer unattended while you are connected to the Online Banking Service. 7. Be sure to log off of the Online Banking Service when you have completed your session. If you forget to log off and there has been no activity for 10 minutes, FirstBank will automatically end the session. After your service has “timed-out”, you will need to log back on with your User ID and Password.
Our alerts are designed to keep you informed about your FirstBank account activity. We offer alerts about your balance, deposits and withdrawals, fraud detection, and more. We also have notifications designed to remind you of certain events such as tax payments that are due and even IRA contributions that need to be made. None of these will contain a single “LOL” or “OMG.”
FirstBank alerts can be sent to email addresses and mobile devices via text message. We are committed to getting timely information to you in a manner that suits your needs.
There are help screens available if you have questions while you are using the Online Banking Service. We also have customer service representatives available 24 hours a day, 7 days a week. Please call 303-232-5522 or 1-800-964-3444.
Account Management: $10.00 with paper statements (Free with eStatements) Bill Payment (Optional): $5.00 per user per month Financial management software download service (Optional): Free
1. A FirstBank business checking or savings account. 2. An e-mail address. We use this address to inform you of enhancements to the service, and to notify you of Electronic Statement delivery and other notifications you can set up on the account. 3. A browser that supports 128-bit encryption. We recommend you use the latest version of Firefox or Internet Explorer on Windows, or the latest version of Firefox or Safari for Macintosh to access Online Banking, as our experience has been that the service performs best with these browsers. To download the most current versions of these browsers, click on the appropriate link below. Download Internet Explorer (/firstbank/exit.htm?site=http://www.microsoft.com/windows/internet-explorer/) Download Firefox (/firstbank/exit.htm?site=http://www.mozilla.com/en-US/products/firefox/) Download Safari (/firstbank/exit.htm?site=http://www.apple.com/safari/download/) 4. A computer with a nice mousepad will make this more fun (optional).
Complete the online application (/redirect/redirect.do?appId=ibank&forward=businessEnrollmentDisclosure) to start accessing your accounts immediately. Please contact us at 303-232-5522 or 1-800-964-3444 if you have any questions.
All customers are required to access the Online Banking Service using a browser that supports 128-bit encryption. Encryption protects information as it travels between your PC and FirstBank. If you have an older browser it may not support 128-bit encryption. If this is the problem, you will need to upgrade your browser before you can use Online Banking. If you have further problems or need assistance, please send us an email or call us (/customer-service/contact-us.htm) .
Click here (/redirect/redirect.do?appId=ibank&forward=facespswdresetload) to reset your password online.
Please contact us (/customer-service/contact-us.htm) by calling 1-800-964-3444.
As long as your computer has Internet access and a browser that meets our security requirements, you can access Online Banking from anywhere. Like where you are right now, for instance. Because this service is Internet-based, you do not have to worry about using a computer with special software.
You can see transactions from your previous three statement cycles, plus any transactions since your last statement. You also have access to electronic account statements (eStatements) which are archived online for 36 months.
If the tax identification number for your business is the same as your personal tax identification number, please contact us and we can affiliate your business accounts with your personal Online Banking Service. Affiliating your business accounts will change the fee structure for the Online Banking Service. If the tax identification number for the business is not the same as your personal tax identification number, we are unable to affiliate your business account with your personal Online Banking Service. However, you are able to sign up your business account (/redirect/redirect.do?appId=ibank&forward=businessEnrollmentDisclosure) in the Business Online Banking service.
There are a few different reasons why you are having difficulty opening your eStatement. Please contact us so we can trouble shoot and resolve your situation.
To view your eStatement, you will want to select “eStatements” from the navigation bar at the top of the page under “Accounts.” Then, use the drop down arrow to the right of the account to select the statement period that you would like to view and click on the gray “eStatement” button. Your statement will open in a new window.
FirstBank offers a service that automatically enters transactions into your financial management software. We currently support versions 2015 and newer for Quicken and QuickBooks. To sign up for this service, select 'Downloads' from the 'Accounts' menu (must be logged into Online Banking).
Below are the fees associated with Internet Cash Management. A print-friendly version is also available, which includes all business fees.
Print-friendly version (https://www.efirstbank.com/bankrestserviceext/rest/bank/firstbank/pdf/fees/FEESHEET/CO/Comm)
Internet Cash Management Service - ICM Base Fee
$10.00/month per entity
Account Management
$35.00/month per entity OR free with eStatements
ACH Service
$30.00/month per entity enrolled
ACH Transactions
$0.20/transaction
Bill Payment Service
$25.00/month per entity enrolled
Desktop Teller Service (Medium Speed Scanner)
$55.00/month per scanner
Desktop Teller Service (High Speed Scanner)
$75.00/month per scanner
Desktop Teller Service (Customer's Scanner - Any Speed)
$55.00/month per scanner
Outgoing Wire Service
$25.00/month per entity enrolled
Outgoing Wire - Domestic Transaction
$15.00/wire
Outgoing Wire - Foreign Transaction
$30.00/wire
Positive Pay Service
$25.00/month per entity enrolled
Positive Pay Payee Name Matching (Optional - checks over $1,000)
$0.05/check
Revision Date: 08/01/2017
Protecting your business financial information is our priority. FirstBank safeguards your information according to established security standards and procedures to ensure your financial information is secure and confidential. FirstBank offers high level security incorporating a multi-layered and distributed security process. Data within the service is encrypted (scrambled) as it is transmitted between your computer and FirstBank. Firewall technology prevents others from gaining unauthorized access to our computer systems. Secure login using multi-factor authentication is required to access the service. Upon login, each user is required to enter their selected unique User ID and password. Security tokens provide an extra level of security for businesses transferring money via ACH or wires, and when accessing the Positive Pay service. It is also offered as an optional security feature for Internet Cash Management login and the Bill Payment service. Self-managed account permissions and approval limits increase your internal controls and can be established per user for each service. Regular audits of our service ensure we are maintaining commercially reasonable security systems. Timed log off ends the Internet Cash Management banking session if inactive for more than 10 minutes. This can be customized to provide for a timed log off of 530 minutes.
Security is critical and FirstBank is committed to safeguarding customer financial information; however, developing a strong partnership with our customer provides an even stronger defense against fraud attempts. Reviewing basic best practices with your employees, and utilizing key Internet Cash Management features and benefits provide you with additional security important in protecting your business and mitigating risk. Protect your login information; never share your password and do not write it down. Keep security tokens in a secure location. Protect your account information and avoid leaving confidential information in an open and accessible area. Do not leave your computer unattended while you are connected to Internet Cash Management. Use caution when responding to emails, phone calls, or texts asking for your confidential login information, and be certain you are working with known and trusted vendors. Implement internal controls: Monitor your accounts and reconcile your balances daily to allow for prompt action to address any transaction questions or issues. Implement an employee education program and develop a checklist and program of best practices regarding fraud prevention. Perform an internal risk assessment for your business to ensure proper controls are in place to protect your business’ financial information. Establish dual processing procedures which require one User to initiate and another to approve transactions. Implement Dual Custody control which requires two Administrators to make changes to user profiles or permissions. Initiate and approve money movement services on different computers, or use a dedicated computer for all Internet Cash Management activities. Set up Account Alerts to notify you of administrative changes, transactions requiring approval, account balances and much more. Maintain anti-virus protection software and run regular scans of your computer and devices. Keep your protection software updated to help detect the latest viruses. Additionally, install browser and operating system updates as soon as they become available. Download Trusteer Rapport for your PC and provide an additional layer of security protection for your business. Trusteer Rapport is highly recommended by FirstBank as trusted internet security software engineered to protect your confidential information from phishing fraudsters, identity thieves, and other types of malware attacks by blocking the attacks and preventing the installation of malware. Businesses face increasing challenges in creating a secure online environment and your firewall and antivirus do not fully protect you from online fraud. Trusteer Rapport works alongside your current protection, and FirstBank, to prevent and alert you to potential attacks. Trusteer Rapport provides the following protection: Shields you from malware attacks which include computer viruses, spyware, Trojan horses, and other malicious programs. Authenticates websites accessed to prevent phishing. Phishing is a fraudulent attempt, usually via email, to steal your financial information. Locks down your browser and creates a tunnel for safe communication with FirstBank. Conducts numerous tests in the background to quickly identify suspicious activity of potential new threats. Generates reports on attempts made to break in to your login session. Compatible and does not conflict with your existing security software. It is lightweight and pops up only to warn you of foul play. Alerts FirstBank to possible threats or foul play allowing us to take quick action to mitigate the risk to you. Free of charge software delivers extra security while you are signed in to our site and makes banking online safer for your business. Download and installation is easy and takes only a few minutes at https://www.ibm.com/security/trusteer/landing-page/1st-bank-internet-cashmanagement/ (/firstbank/exit.htm?site=https://www.ibm.com/security/trusteer/landing-page/1st-bank-internet-cash-management/) . If you have any questions or would like more information about Internet Cash Management security, please call one of our specialists Monday - Friday, 7:00am6:00pm at 303-235-1378. By downloading and installing Trusteer Rapport security software you agree with all Trusteer terms and conditions (/firstbank/exit.htm?site=http://www.trusteer.com/support/enduser-license-agreement) . FirstBank is not responsible for, nor do we guarantee, the content or services associated with this product. FirstBank has provided this link for your convenience. FirstBank does not manage this site and assumes no responsibility for the content, links, privacy policy, or security policy. FirstBank and Trusteer are separate entities. Trusteer is solely responsible for customer service support, performance, and maintenance of Trusteer Rapport.
The ICM Mobile App is an app designed for select smartphones. To get started, visit your device's app store and search for FirstBank Internet Cash Management. You will know it's us by our orange cube logo. FirstBank offers two different Online Banking Apps. If you want to use the ICM Mobile App for your Internet Cash Management service, make sure you download the FirstBank ICM Mobile App and not the general FirstBank App.
Using our ICM Mobile App you can bank virtually anywhere. You can: View account balances View account details View transaction history View check and deposit item images Transfer funds Approve Wires Approve ACH batches Contact us via telephone or email Deposit checks
FirstBank does not charge a separate fee to use the ICM Mobile App. All Internet Cash Management service fees are still applicable. Connectivity and usage rates may apply. Contact your wireless service provider for more details.
All terms and conditions applicable to Internet Cash Management apply to the ICM Mobile App. The Internet Management Agreement can be assessed while logged in to the full site by clicking on the Glossary.
FirstBank safeguards your information according to established security standards and procedures in order to keep your financial information secure and confidential. We use many lines of defense to protect your account information, including encryption, firewalls, timed log off, virus protection, and a secure login process. You can depend on your accounts and your account information being safe. More information on Internet security. (/firstbank/privacy-policy.htm)
Wireless networks are common in a variety of locations, such as coffee shops and restaurants. These connections are typically insecure and pose an increased risk of data theft. When possible, instead of using free wireless networks, use your device's native data connection such as your wireless network carrier.
No. 128 bit SSL encryption protects your information as it travels from your mobile device to the bank. The 128 bit SSL encryption technology is the same encryption that safeguards internet traffic for secure web applications.
Yes. If you are not enrolled in Internet Cash Management, you can contact a customer service representative between 7:00 AM and 6:00 PM (MT), Monday through Friday, at 303-235-1378 or 855-426-1500, Option 2 to assist you with enrollment.
For security purposes, you must be enrolled in Internet Cash Management to access account information and perform banking transactions using the ICM Mobile App.
No. For your own safety, we'll ask you to use your Internet Cash Management User ID and Password to access the ICM Mobile App. You may also be prompted to enter one of your Security Questions.
Your ICM Mobile App and ICM full site access will be locked after the third invalid User ID, Password, or Security Question entry. You can reset your Password by calling us at 303-235-1378 or 855-426-1500, Option 1.
Just as with the Internet Cash Management full site, all account data resides at FirstBank. We require users to enter a valid User ID and Password to access the secure Internet Cash Management site. If your mobile device is stolen, they won't be able to access your sensitive Internet Cash Management information without your User ID and Password, but you should also notify us. You can contact us 24 hours a day at 303-232-5522 or 1-800-964-3444.
Yes, just like your session in Internet Cash Management using a computer, your ICM Mobile App session will time out. Please ensure you are active on the site after you have logged in.
Yes. You can view all accounts through the ICM Mobile App that you view through Internet Cash Management.
A data plan enables the services which include accessing the Internet and receiving data messages with your mobile device. Your mobile device must be able to access the Internet. Plans and fees vary by mobile network provider.
The two dots indicate your ability to swipe the tile for additional information.
FirstBank makes it easy to contact us by providing you one-tap Customer Service access within our Help menu. Simply tap the menu
in the upper right
hand corner.
Yes, whether you have a physical token or a mobile token, you will be able to use the same token device for the mobile app.
No, similar to the Internet Cash Management full site, you will need to call us at 303-235-1378 or 855-426-1500, Option 1 to reset your password.
All user permission and limits established in ICM Online will also apply to the ICM Mobile App. The ICM Mobile App does not allow you to change permissions and limits within the App.
Yes. Simply select the Deposit tab from the home screen to get started.
Contact our Treasury Management Department at 303-235-1378 or toll-free at 855-426-1500 Monday through Friday between 8AM and 6PM (MST/MDT) or visit any FirstBank location. For the nearest branch, visit our .
360Control supports all versions of Internet Explorer that are officially supported by Microsoft (/firstbank/exit.htm? site=http://support.microsoft.com/gp/lifesupsps/#Internet_Explorer) . As of December 2009, Microsoft supported versions are: IE 6 Service Pack 2 and higher IE 7 Service Pack 2 and higher IE 8 (all production versions) Note: Regular Microsoft updates are highly recommended. These updates contain security patches that are important to the continued secure operation of the system. 360Control may continue to function correctly on older versions of Internet Explorer, however, this cannot be guaranteed. Support for Firefox and Safari is at a testing stage: Firefox 3.0 and higher Safari 3.0 and higher Other requirements: The browser must have access to secured sites (HTTPS) Popups must be enabled The recommended Screen Resolution is 1024 X 768 pixels or higher Detailed settings for Internet Explorer are available in the 360Control Internet Settings Guide (/_assets/documents/360ControlSystemRequirements.pdf) .
Contact our Treasury Management Department at 303-235-1378 or toll-free at 855-426-1500 Monday through Friday between 8AM and 6PM (MST/MDT).
Enjoy all these automated features, all of which are 100% free of keyboards, mice, or pop-up windows: Transfer funds between FirstBank accounts. Verify checking, savings, and FirstLine of Credit account balances. Receive information about electronic deposits that will post to your account. Determine if a specific check has been paid. Get the last 20 checks and electronic withdrawals that have cleared your checking account. Get cash reserve information and make cash reserve payments. Get the last 20 withdrawals and the last interest paid on your savings account. Get the last 10 deposits to your checking or savings account. Speak to a representative about loans and new accounts. Personal service 24 hours a day. Press “0” at any menu to speak to a customer service representative. A customer service representative can also assist you in setting up a PIN to access the automated banking system.
Metro Denver: 303-237-5000
Outside Metro Denver: 1-800-964-3444
Eagle & Summit Counties: 970-479-3400
Colorado Springs: 719-533-3700
Phoenix, Arizona: 602-381-7800
Palm Desert, California: 760-341-7000
Treasury Management: 303-235-1378
Treasury Management outside Metro Denver: 855-426-1500
Para Español En El Area Metropolitana de Denver: 303-239-6000
Para Español Fuera Del Area Metropolitana de Denver: 866-239-6000
TDD: 303-233-1300 or 1-800-855-3444
Outside the United States & Canada: International Toll Free Calling Instructions
To send a wire, you need to have the following information. The receiving bank's ABA number (routing number) and name of the bank. Beneficiary (person to whom the wire is being sent). Account number of beneficiary. City and state of the receiving bank. Driver's License to show proof of ID Sometimes the receiving bank requires additional information. Please contact the receiving bank to obtain their “wiring instructions.” Wires may be initiated over the phone by signing a Wire Transfer Agreement at any branch location. Completing this agreement is required for personal and business customers who frequently request wire transactions or are unable to visit any FirstBank location. FirstBank offers the ability to choose up to four verification methods in order to ensure the security of these funds. The fees for sending a wire are $30 for a domestic wire and $45 for a foreign wire. To initiate a wire by telephone, please contact us at 303-231-2005 or 1-800-4677640 outside the Denver Metropolitan area. We will send wires Monday-Friday 9:00 a.m. to 2:00 p.m. MST. If we receive a request to send a wire after 2:00 p.m., it will be sent the next business day. Wire requests for the following business day may be taken until 5:00 p.m. MST. Same-Day Federal Tax Deposit wires can be initiated for commercial customers only; these wires are $45 and must be completed at a branch location by 12:00pm MST.
To receive a wire at FirstBank, the following information should be given to the party that is originating the wire. FirstBank's routing number: 107005047. FirstBank's address: 10403 West Colfax Avenue Lakewood, CO 80215 Your name and your 10-digit account number. Any specific instructions for the money. The fee for an incoming wire is $10 for FirstBank customers; FirstBank does not accept wire transfers for non-customers. We cannot anticipate exact arrival times nor can we guarantee that wires will be received on the same day they are sent. The wire may need to be sent through an additional bank and thus be delayed or subject to additional fees, the information received may not be complete enough for the wire to be processed. If it is a foreign wire, it may take a few days to a few weeks to receive the wire.
You will receive a monthly mortgage or loan statement starting in December of 2013.
Mortgage Any mortgage that was originated through FirstBank and is serviced by FirstBank will receive monthly statements. This includes both commercial and consumer mortgages and fixed and adjustable rate mortgages.
Loans Any consumer installment loan secured by a 1–4 family residence will receive monthly statements.
Mortgage You will receive your mortgage statement mid-month. Paper statements will be mailed two business days after the 16th, and eStatements will generally be made available on efirstbank.com by 4:00 p.m. MST, two business days after the 16th.
Loans Your statement will cycle on the 11th calendar day after your last payment due date. Paper statements will be mailed and eStatements will be made available one day after this date.
If you are currently receiving paper statements and would like to change to electronic statements (eStatements), you can log into your Online Banking and enroll in eStatements. If you currently receive eStatements but would like to begin receiving paper statements, you can call our customer service representatives at 303-2375000 or toll free at 1-800-964-3444.
Your statements can be found under the eStatements link in the "Accounts" tab on efirstbank.com.
Statements are available for approximately 36 months. This includes previous quarterly statements for mortgages and monthly statements for mortgages and loans.
Mortgage You will receive your first statement in the next billing cycle after the closing date of your mortgage. For example, if you closed your loan on February 21st, you would receive your first statement in mid-March.
Loans You will receive your first statement the month following the due date that you established upon closing your loan. If you have set your first due date as 1/10/14, the first statement will be created 1/21/14.
Mortgage You will receive one final mortgage statement after you have paid off your loan. This will include any escrow information. Keep in mind escrows take approximately two weeks to process. Depending on when your loan was paid off, they may not have been processed when your final statement was sent to you.
Loans You will receive one final statement on the same cycle that you have received all prior loan statements. This statement should show a zero balance owing.
No, the Paid Year to Date amount on mortgage statements is from December 17th of the previous year to the current date. For either loan or mortgage statements, you should always use the interest amount on your 1098 for tax purposes.
When you pay any outstanding fees on your mortgage or loan, your payment will be applied to your oldest fees first. For mortgages, when you add additional funds to your payment for fees, you will need to indicate how those funds should be allocated on the bottom of your coupon.
Every mortgage statement includes a coupon on the bottom of the first page. If you have automatic payments, you can disregard this coupon unless you would like to make additional principal, escrow or fee payments.
If you have received a Delinquency Notice, it means that your loan or mortgage is at least 45 days past due. The notice describes your outstanding payment, any outstanding fees or charges, and what you need to pay to bring your loan current. If you have any questions on this notice, please do not hesitate to contact your Branch Officer or Customer Service at the number listed at the top of your statement.
Date on which the mortgage or loan became delinquent and the number of days delinquent on the mortgage or loan. Mortgage or loan history for the previous six months or the period since the last time the mortgage or loan was current, whichever is shorter. Amount remaining past due from each billing cycle or, if any such payment was fully paid, the date on which it was credited as fully paid. Total payment amount needed to bring the mortgage or loan current (This amount will match the amount due and the total amount due on the statement). Notification of possible risks, such as foreclosure and expenses, that may be incurred if the delinquency is not cured. A reference to Housing Counselor information.
Your current balance is the balance in your account as of close of business the previous business day. Your available balance is the current balance, minus or plus, any electronic transactions that may occur that day or in the near future. Therefore, the two amounts may be different from day to day. Electronic transactions include ATM deposits and withdrawals, Visa Debit Card transactions, wires, direct deposits, or automatic withdrawals you have set up. When an electronic transaction is initiated, it will typically show as "Pending" on your account. As stated previously, pending electronic transactions are reflected in your available balance (the amount available for withdrawal) immediately. When nightly processing is completed, electronic transactions are processed, and posted to your current balance. The only exception to this is Visa Debit Card authorizations, which can remain as “Pending” on your account for up to three to five business days before posting to the current balance on your account. It is FirstBank's policy to process all credits (deposits), electronic or manual, to your account before any debits (checks, Visa transactions, and withdrawals) are deducted.
Your available balance is the current balance, minus or plus, any electronic transactions, cash deposits or a portion of paper deposits that may occur that day or in the near future. Your projected balance is your current balance, minus or plus, any transactions that will occur that day. The projected balance is an estimate of what your account balance may be once nightly processing is completed, using the information available at that time. Transactions that will occur today include the full amount of any pending deposit or pending debits, which may include electronic, paper or cash deposits or paper or electronic debits from your account. Any balance available on an overdraft line of credit will not be reflected in the projected balance. Pending paper items may include any transactions conducted over the bank teller line, or checks written off of your account that have been negotiated at another financial institution that will be deducted from your account balance after nightly processing is completed. You will receive full same-day credit on any cash deposits made over the bank teller line, and up to $500 per account per day on any other paper deposits such as ATM deposits or a deposit made over the bank teller line. As stated previously, electronic transactions include ATM deposits and withdrawals, Visa Debit Card transactions, wires, direct deposits or automatic withdrawals you have set up.
Any transactions you perform, such as deposits or withdrawals, are processed at the end of each business day, and will be reflected in the current balance on your account around 7:00 a.m. the following morning. Monday through Friday are considered business days, with the exception of Federal Holidays. For example, if you make a manual deposit with a teller Monday, we will process the deposit at close of business Monday night. The deposit will be reflected in your current balance around 7:00 a.m. Tuesday morning and will be available for withdrawal. If you make a manual deposit on Saturday, which is not a business day, we will process the deposit with Monday's business as described above. Any transactions you do at a branch location, such as the deposit with the teller in the above example, are considered "manual transactions." Manual transactions include any checks you have written, or deposits or withdrawals made through a bank employee. You will not see these reflected on your account until nightly processing has finished and they are posted to your current balance the following morning. You may be able to see electronic transactions reflected on your account sooner than manual transactions. Electronic transactions include ATM deposits and withdrawals, Visa Debit Card transactions, wires, direct deposits, or automatic withdrawals you have set up. When an electronic transaction is initiated, it will typically show as “Pending” on your account. Pending electronic transactions are reflected in your available balance (the amount available for withdrawal) immediately. When nightly processing is completed, electronic transactions are processed, and posted to your current balance. The only exception to this is Visa Debit Card authorizations, which can remain as "Pending" on your account for up to three to five business days before posting to the current balance on your account. It is FirstBank's policy to process all credits (deposits), electronic or manual, to your account before any debits (checks, Visa transactions, and withdrawals) are deducted.
You may change your PIN at your convenience at any time. Simply give us a call at 1-800-964-3444 and we can assist you in selecting a new PIN If you do not know your PIN, please contact us at 1-800-964-3444 and we can assist you in selecting a new PIN.
Please call us (/customer-service/contact-us.htm) immediately. We will cancel your card and send you a new one.
For your security, please login (/home.htm) to Online Banking and use the secure Bank Mail provided in the Customer Service section, or call us (/customerservice/contact-us.htm) immediately if you suspect fraudulent activity.
When a merchant accepts a Visa Debit Card, he or she begins by obtaining an authorization, or a verification of adequate funds in the account, to approve the purchase. This authorization is shown as a “VISA AUTHORIZATION” on the pending screen, and it deducts the amount from your available balance. When a merchant closes a batch (compilation of authorizations), the authorization is processed and posts to your account, shown as a “VISA” transaction on your statement. In some circumstances, a merchant may get multiple authorizations for the same purchase. For example, a restaurant may submit one authorization for the actual amount of the bill and an additional one after you have included the tip. After the transaction posts to your account, the authorization(s) should be removed. However, there are situations where the authorization may remain on your account for three to five business days after the transaction has posted. In the event a Visa transaction actually posts to your account twice, please contact us to file a dispute.
When a merchant accepts a Visa Debit Card, he or she begins by obtaining an authorization, or a verification of adequate funds in the account, to approve the purchase. This authorization is shown as a “VISA AUTHORIZATION” on the pending screen, and it deducts the amount from your available balance. When a merchant closes a batch (compilation of authorizations), the authorization is processed and posts to your account, shown as a “VISA” transaction on your statement. Often, certain types of merchants authorize a different amount than what will actually post to your account. For example, many gas stations only authorize $1.00 in "pay at the pump" transactions, and the actual amount posts to your account when the authorization is processed. In addition, many restaurants authorize an amount greater than the actual bill total to account for a tip; therefore, the amount that posts to your account is different than what was authorized.
To permanently cancel an EFT payment, you must contact the merchant directly. If the merchant continues to withdraw the funds from your account, please contact us to place a stop payment on the transaction. You will be directed to visit a branch location to sign the appropriate paperwork. Please note the transaction will be posted to your account and returned once we receive the signed paperwork.
To obtain an International toll free telephone number to be used when calling us, please refer to the AT&T International calling guide (/firstbank/exit.htm? site=http://www.att.com/esupport/traveler.jsp?tab=3) to select the country you will be calling from. To make the call, dial the International toll free telephone number for that country, followed by our telephone number 1-800-964-3444 when prompted to do so.
You can see a list of the Nationally Recognized Holidays (/firstbank/holiday.htm) that FirstBank observes.
You have three options. You can apply (/products/personal-accounts.htm) online, by phone (/customer-service/contact-us.htm) , or visit your .
So that we may provide the best service possible, we would like to speak to you directly to select a business account best suited to your needs. Please either call or visit your .
For your security, please login (/home.htm) to Online Banking, click on "Contact Information" under the Communication Center tab, or you can call us (/customerservice/contact-us.htm) .
You can login (/home.htm) to Online Banking, click on "Settings" and select "Checks and Deposit Slips" to place your order, or you can call us (/customerservice/contact-us.htm) .
Table of Contents:
Chip Cards Zelle Payments Overdraft Services Smart Choice College Savings Plan ()
A chip card, or “Smart card”, has both an embedded chip on the front and a traditional magnetic stripe on the back. The chip can be either silver or gold.
Chip cards have been proven to reduce counterfeit card fraud. Additionally, you will experience improved card acceptance internationally where chip-enabled cards are the standard.
Yes, chip cards make in-person transactions more secure. When you use your card at a chip-activated reader, the chip will generate a unique code for each transaction. This prevents stolen data from being fraudulently used to make a counterfeit card.
If you are a current FirstBank debit or ATM cardholder, you will automatically receive a chip card to replace your existing card soon.
Insert the chip portion of your card into the reader with the chip facing up. Leave your card in the reader. Follow the prompts on the screen. You may be asked to enter your PIN or provide a signature. Remember to take your card after your transaction is complete.
No problem. Just swipe your card using the magnetic stripe.
The embedded chip stores only the information required to process a transaction. No personal information is stored on the chip.
No, this type of theft (can be referred to as “electronic pickpocketing”) only applies to cards that have wireless capabilities which we do not currently issue. Cards that have wireless capabilities allow you to wave their card over the merchant‘s terminal to make a payment. Our chip cards require you to insert and leave the card in the terminal to complete a transaction.
You will be prompted by the reader to insert your chip instead.
No. There are no additional fees for having a chip-enabled card. ()
With Zelle, you can send money easily and securely to almost anyone using only their email address or mobile phone number. Zelle's Payment Service is fast, secure, convenient and available through Online Banking or the FirstBank Mobile App.
As long as your recipient has a U.S. bank account, they will be able to receive a payment.
Your bank account information is confidential and will never be shared with your contacts. The only information your contacts will see is your name and your email address or mobile phone number, depending on how you sent the payment.
This is a security feature used to verify that the email address or mobile phone number registered is accessible by you. Messages are sent via your registered contact method, so by verifying your access to this method, you are confirming that you will receive notification of payments.
All you need is your recipient's name and email address or mobile phone number.
From the website, select "Send Money with Zelle®" from the navigation bar under Transfers & Bill Pay. Follow the one-time enrollment steps. Click the "Send" button and select or add a contact. Enter the amount and which account the money will be sent from. After reviewing the information hit "Send" to complete the payment. From the mobile app, select the "Send Money" tab from the navigation bar at the bottom. Follow the one-time enrollment steps. Click the "Send" button and select or add a contact. Enter the amount and which account the money will be sent from. After reviewing the information hit "Send" to complete the payment.
Outgoing payments may take up to three business days to be received unless the institution is real-time capable. Payments to real-time capable institutions will become available the same business day. Recipients will be notified immediately that a payment is on its way.
New customers have a daily limit of $500.00. As you use this service your limit will increase to: Daily: $1,500.00 Weekly: $5,000.00 Monthly: $10,000.00 Please contact an Online Banking Representative at 1-800-964-3444 option 3 for further information.
There are no fees for Zelle.
Your contacts will receive either an email or text message notifying them of your payment. If they have never received a Zelle payment before, information on how to register their bank account to receive your payment will be sent to them. After registration is completed, the money will be sent to their bank account.
When you register for Zelle, your email address or mobile phone number is tied directly to your FirstBank Checking or Savings account of your choice. When other Zelle users would like to send you money, all they need is the email address or mobile phone number that you have registered with. If you are registered with the service, the money will automatically be accepted and deposited to your primary account. You will receive a notification via your registered contact method anytime someone is sending you a payment.
As soon as you submit a payment, the money will be removed from your available balance.
Your contacts have 14 days to register to receive their first Zelle payment. If they do not register, the payment will be cancelled and the money will be credited back to your account.
From the website, select "Send Money with Zelle®" from the navigation bar under Transfers & Bill Pay. Select the Settings tab and update the desired information. From the mobile app, select the "Send Money" option from the navigation bar at the bottom. Tap the gear icon in the top right of this screen then select "My Zelle Information" and update the desired information. Changing your contact method will require verification with a new security code on both the website and mobile app.
From the website, select "Send Money with Zelle®" from the navigation bar under Transfers & Bill Pay. Select the Contacts tab and click on the pencil icon to edit the contact or the trash can icon to delete this contact. To change a contact's email address or phone number, you will first need to delete the contact then enter in the new email address or mobile phone number via the "Add New Contact" button at the bottom of your contact list. From the mobile app, select the Send Money tab from the navigation bar at the bottom. Select the gear icon and tap "Contacts". Tapping on a contact will allow you to edit their first name, last name, and nickname. To change a contact's email address or phone number, you will first need to delete the contact by tapping the trash can icon next to their name. The new contact information can be added via the "Add New Contact" button on the bottom.
Once a payment has been submitted, it cannot be edited or deleted.
Your contact will be removed from your Zelle contact list. All pending payments will still process.
On both the website and mobile app, the activity section of Zelle will display all incoming and outgoing payments within the past 90 days.
Most Consumer and Business Checking and Savings accounts are eligible for sending and receiving payments.
Incoming payments will credit your primary account. This is also your default account for sending a payment.
Yes, you can always change your primary account. From the website, select "Send Money with Zelle®" from the navigation bar under Transfers & Bill Pay. Select the Settings tab and select the account you would like from the drop menu. From the mobile app, select "Send Money" from the navigation bar at the bottom. Tap the gear icon in the top right and select "My Zelle Information". Select the account you would like from the drop menu.
An email or mobile phone number can only be registered once in the Zelle network, which includes other institutions. If you have registered your email address or mobile phone number with another bank that is a part of the Zelle network, then you will need to call a FirstBank Customer Service Representative at 1-800-964-3444 so you may register it with FirstBank instead.
Please allow three business days after your recipient has registered to receive the payment. If after this time the payment has not been received, please call a FirstBank Customer Service Representative at 1-800-964-3444. ()
While using this service your FirstBank Debit Card allows you to pay for items even when there is not sufficient money in the account to cover the transaction(s). We do this to help you avoid the embarrassment of having a transaction declined at a grocery store, gas station, etc. This service is especially helpful when you cannot make a deposit until later that same business day. If you do not use this service all ATM and debit card transactions will be denied if you do not have sufficient funds to cover the transactions. You may also use this service for checks, ACH, bill payments, and recurring debit card transactions.
You will be charged a $34 fee each time a debit card transaction (one time or recurring), check, ACH, or bill payment is paid on your account and you do not have sufficient funds in the account. You will be charged a $34 fee each time a check, ACH, or online bill payment is returned on your account because of insufficient funds in the account. We charge a maximum of 5 fees per day and we will not charge fees on items under $5. If your account is overdrawn for 5 or more consecutive business days, we will charge an additional $5 per business day retroactive to the first day the account was overdrawn.
In most cases, there will be no fee if you make a deposit to cover the cost of the transaction(s) the same day they were performed. You will have until the close of business to make a deposit at a branch, by telephone or online transfer. If you make your deposit at a FirstBank ATM, the cut-off time for same-day credit is posted on the machine.
No. While most transactions are approved, we reserve the right to approve or decline transactions at our discretion.
There are a number of easy ways to avoid overdraft fees: Keep a transaction register. Record all account transactions in a register. This will help you make sure there are enough funds in your account to pay for transactions. Sign up for Online and Mobile Banking. Enroll at efirstbank.com for 24 hour access to your account information. Stay informed with FirstBank Alerts. Use customizable email and text message alerts to inform you when account balances are low. Apply for an overdraft protection plan, such as a cash reserve line of credit or a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
The overdraft fee(s) may be imposed for covering overdrafts created by check, in-person withdrawal, debit card transaction, or other electronic means. Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly. Whether your overdraft is paid is at our discretion, and we reserve the right to not pay a transaction. For example, we typically do not pay overdrafts if your account is not in good standing or you are not making regular deposits. ()
529 plans are state-sponsored college savings plans established by the federal government in Section 529 of the Internal Revenue Service Code. 529 plans offer attractive tax benefits that help families save for college.
If you are a Colorado resident, every dollar you contribute to your account can be deducted from your Colorado State taxable income. Your account will grow federal and Colorado State tax-free for the duration of your investment. If you use your account for qualified expenses, earnings are also exempt from federal and Colorado State taxes. Residents of other states may still be eligible for certain tax benefits. Please consult your tax advisor for specific information regarding tax benefits.
Anyone can open an account and anyone can be a beneficiary. Parents, grandparents, or other relatives can save through a Smart Choice College Savings Plan. You may even open an account for yourself. There are no age limits on who may invest money or who may benefit from the funds.
Yes. However the aggregate balance of all accounts for a single beneficiary may not exceed $400,000.
No. You may use your funds at eligible public and private colleges, universities, trade and vocational schools across the country.
If the beneficiary decides not to attend college, you can name another beneficiary (certain restrictions apply; please see the Plan Disclosure Statement for complete information), or you can choose to leave the funds in the account for a time when he or she might decide to attend college. If you need your savings for another purpose, you can withdraw the funds; however, there are tax consequences for non-qualified withdrawals.
You can use your savings to pay for qualified expenses such as tuition, fees, certain room and board, required books and supplies, and certain computer equipment, software, and Internet access (for 2009 and 2010 only). Other withdrawals may be subject to federal and state taxes, as well as penalties.
Changing a beneficiary will require closing the existing Smart Choice College Savings Account and opening a new Smart Choice College Savings Account for the new beneficiary. For tax reporting purposes, this transaction will not be considered a distribution. You may begin this process by completing a Change of Beneficiary Form (/_assets/documents/csa-beneficiary-change.pdf) and returning it in person to any FirstBank location, or calling us at 1-800-964-3444 for guidance.
Please complete the Designation of Successor Account Owner Form (/_assets/documents/csa-account-successor.pdf) and return it in person to any FirstBank location or mail the form to the address provided below. FirstBank 529 Plan Administrator 12345 West Colfax Avenue Lakewood, CO 80215
Please include a completed Rollover Certification Form (/_assets/documents/csa-rollover-certification.pdf) when you make your deposit. Please note, there is a limit of one rollover per calendar year.