Questions? 800-964-3444, www.efirstbank.com

Questions & Answers

Your one-stop shop for answers to every burning question you may have about FirstBank's services.
 

hide this Consumer Internet Banking

What are the fees for Consumer Internet Banking?

The basic Internet 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 Bill Payment Service is FREE when at least three bill payments are made per month. If less than three bill payments are made per month, a $5 inactivity fee will be assessed. The inactivity fee for the optional Bill Payment Service will be deducted on the first business day of each month from the personal checking account of your choice, which is selected when signing up. Sign up now and we will waive this requirement for the first three months. The inactivity fee is waived for Premier Checking account customers.

The optional financial management software download service is FREE. This service automatically enters banking activity into your software's online check register.

What do I need to sign up?

  • A FirstBank personal checking or savings account.
  • 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.
  • 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 Internet 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
    Download Firefox
    Download Safari

  • A computer with a nice mousepad will make this more fun (optional).

How soon can I start using Internet Banking?

Complete the online application to start accessing your accounts immediately. Please contact us at 303-232-5522 or 800-964-3444 if you have any questions.

Why can't I login to Internet Banking?

All customers are required to access the Internet 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 Internet Banking.

If you have further problems or need assistance please send us an email or call us.

I've forgotten my Internet Banking password.

Click here to reset your password online.

I've forgotten my Internet Banking username.

Please contact us by calling 1-800-964-3444.

Can I access my accounts from home and work?

As long as your computer has Internet access and a browser that meets our security requirements, you can access Internet 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.

How much transaction history can I see?

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.

Why am I unable to view my business accounts?

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 Internet Banking Service. Affiliating your business accounts will change the fee structure for the Internet 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 Internet Banking Service. However, you are able to sign up your business account in the Business Internet Banking service.

Why do I receive a blank page when viewing my eStatement?

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.

I deleted the bank mail with my eStatement. How do I view my eStatement?

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.

Can I use Quicken or QuickBooks?

FirstBank offers a service that automatically enters transactions into your financial management software. We currently support versions 2011 and newer for Quicken and QuickBooks. To sign up for this service, select 'Downloads' from the 'Accounts' menu (must be logged into Internet Banking).

Transfers

Why can’t I transfer funds from my time accounts?

Time Savings accounts are not available because there is an early withdrawal penalty assessed if you transfer funds from this type of account.

Why can I no longer transfer funds to my savings 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 Internet Banking Service. Please contact us to reopen your savings account.

Optional Bill Payment Service

How does Bill Payment work?

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.

Who can I pay with Internet Banking Bill Payment?

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).

How do I send payments to other financial institutions?

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

Does the merchant I'm paying receive my payment electronically?

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.

How do I access my previous bill payment history?

You can access up to 24 months of paid bill payment history through Bill Pay. Simply select the Bill History tab. From this page select paid bills library to view up to 24 months of paid payments. Select this link and follow the instructions on the screen.

Why was I charged $5 for bill payment?

The Bill Payment Service for consumers is free for an unlimited number of payments as long as a minimum of 3 payments are made per month. If less than 3 payments are made, a $5 inactivity fee will be assessed on the last business day of the month. If there is more than one signer on a single account that has signed up for the bill payment service, the inactivity fee will be assessed for each signer that does not initiate at least 3 bill payments per month. The Bill Payment Service for commercial customers, including sole proprietorships is $5 per month per authorized user.

What do I put in the “account number” field for a bill payment that I don't have an account number for?

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'.

What is an e-bill?

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.

How do I sign up for an e-bill?

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.

Why was my bill payment late?

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.

Mobile Banking

Am I able to access my account information using a mobile device?

Yes, you are able to access your account information using the web browser on your mobile device. You simply need to enter m.efirstbank.com. For more information and frequently asked questions see Mobile Banking in the Questions & Answers section.

Security

Is Internet Banking secure?

We protect our Internet 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 Internet Banking, transferring money or paying your bills, you can depend on your accounts and your account information being safe. More information on Internet security.

Can anyone else access my financial information?

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.”

What if I forget my 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 800-964-3444.

What can I do to keep my financial information secure?

  • 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.
  • Do not have your account information, including your computer screen, out in an open area accessible by others.
  • Do not send your User ID and Password or account information over any public or general email system.
  • 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.
  • Contact us immediately if there are charges on your account you don't recognize.
  • Do not leave your computer unattended while you are connected to the Internet Banking Service.
  • Be sure to log off of the Internet 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.

Account Alerts

What type of alerts can I set up?

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.”

Can I have my alerts sent to email or my mobile device?

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.

Optional Online Deposit Service (Desktop Teller)

What is Desktop Teller?

Desktop Teller enables you to deposit checks from your home computer using a flat bed scanner. This helps you deposit checks faster and more conveniently.

When are the funds available?

The cutoff to receive Next Business Day Funds Availability is 9 PM, Mountain Time. Items received for deposit are subject to verification and to the terms and conditions of the FirstBank Deposit Agreement, similarly to deposits made with a bank Teller.

How do I enroll for Online Deposit?

You may submit a request to enroll in Desktop Teller by clicking the "Online Deposit Enrollment" link, accessed from the "Services & Settings" link within Internet Banking. You will receive a reply within 1-2 business days.

What is the fee for Online Deposit?

Consumers - $5.00 per month, per user, for unlimited deposits.

You may cancel the service at any time.

How do I cancel the Online Deposit service?

You may cancel the service by clicking the "Cancel Online Deposit Service" link, accessed from the "Services & Settings" link within Internet Banking. You will receive a confirmation of the cancellation.

What do I do with the checks after I scan them?

Store the checks in a secure location for 30 days. Then destroy the checks so they may not be accessed or used again, such as by shredding them.

What do I do if I am having problems scanning the checks?

Contact us for assistance at (303) 232-5522 or toll free at (800) 964-3444.

What are the system requirements to use Online Deposit?

  • PC.
  • Windows operating system.
  • Internet Explorer 7.0 or greater.
  • Java 1.6 / 6.0 or higher.
  • Flatbed scanner.

Download Internet Explorer

Is Online Deposit safe?

  • Data within the service is encrypted as it travels between your computer and our systems to prevent data interception.
  • Firewall technology prevents others from gaining unauthorized access to our systems.
  • Regular audits of our service ensure we maintain commercially reasonable security systems.

When I go to choose a scanner it shows my scanner multiple times. Which one do I choose?

The TWAIN driver is the recommended driver because it produces higher quality images. If it is difficult to obtain a quality image of the scanned checks while using the TWAIN driver, simply start over from the beginning and choose the WIA option.

Other

Where can I go if I have additional questions?

There are help screens available if you have questions while you are using the Internet Banking Service. We also have customer service representatives available 24 hours a day, 7 days a week. Please call 303-232-5522 or 800-964-3444.

 

hide this Business Internet Banking

What are the fees for Business Internet Banking?

Account Management:

(Free with eStatements) or $10.00 for paper statements.

 

Bill Payment (Optional):

$5.00 per month

 

Desktop Teller (Optional):

$25.00 per month

 

Financial management software download service (Optional):

Free

 

What do I need to sign up?

  • A FirstBank business checking or savings account.
  • 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.
  • 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 Internet 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
    Download Firefox
    Download Safari

  • A computer with a nice mousepad will make this more fun (optional).

How soon can I start using Business Internet Banking?

Complete the online application to start accessing your accounts immediately. Please contact us at 303-232-5522 or 800-964-3444 if you have any questions.

Why can't I login to Internet Banking?

All customers are required to access the Internet 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 Internet Banking.

If you have further problems or need assistance please send us an email or call us.

I've forgotten my Internet Banking password.

Click here to reset your password online.

I've forgotten my Internet Banking username.

Please contact us by calling 1-800-964-3444.

Can I access my accounts from home and work?

As long as your computer has Internet access and a browser that meets our security requirements, you can access Internet 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.

How much transaction history can I see?

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.

Why am I unable to view my business accounts?

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 Internet Banking Service. Affiliating your business accounts will change the fee structure for the Internet 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 Internet Banking Service. However, you are able to sign up your business account in the Business Internet Banking service.

Why do I receive a blank page when viewing my eStatement?

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.

I deleted the bank mail with my eStatement. How do I view my eStatement?

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.

Can I use Quicken or QuickBooks?

FirstBank offers a service that automatically enters transactions into your financial management software. We currently support versions 2011 and newer for Quicken and QuickBooks. To sign up for this service, select 'Downloads' from the 'Accounts' menu (must be logged into Internet Banking).

 

hide this Mobile Banking

What is Mobile Banking?

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.

Is there a fee for Mobile Banking?

FirstBank does not charge any fees for Mobile Banking. Connectivity and usage rates may apply. Contact your wireless service provider for more details.

What are the terms and conditions for Mobile Banking?

All terms and conditions applicable to Internet Banking apply to Mobile Banking. Click here or visit www.efirstbank.com to view disclosures.

Is Mobile Banking 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. You can depend on your accounts and your account information being safe. More information on Internet security.

Is it safe to use mobile banking, while connected to a wireless internet connection?

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.

Can someone intercept my Mobile Banking transactions?

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.

Can I use the same User ID, Password, and Security Questions for Mobile Banking that I use for Internet Banking?

Yes. If you are not enrolled in Internet Banking, you can enroll from a computer. Simply go to www.efirstbank.com from your computer and click "Sign Up" from the Internet Banking section in the upper left corner of the homepage.

Do I have to be enrolled in Internet Banking to be able to use Mobile Banking?

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 Internet Banking. For security purposes, you must be enrolled in FirstBank Internet Banking to access account information and perform banking transactions using the Mobile App or Mobile Website.

Can my Mobile Banking be accessed without a User ID and Password?

No. For your own safety, we'll ask you to use your Internet 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."

After how many incorrect log in attempts will my access to Mobile Banking be locked?

Your Mobile Banking and Internet Banking access will be locked after the third invalid User ID, Password, or Security Question entry. You can reset your Password through Internet Banking at www.efirstbank.com or by calling us 24 hours a day at 303-232-5522.

How can I be sure my Mobile Banking is secure if I lose my mobile device?

Just as with Internet Banking, all account data resides at FirstBank. We require users to enter a valid User ID and Password to access the secure Internet Banking site. If your mobile device is stolen, they won't be able to access your sensitive Mobile Banking or Internet Banking information without your User ID and Password but you should also notify us. You can contact us 24 hours a day at 800-964-3444 or 303-232-5522.

Will my Mobile Banking session time out?

Yes, just like your session in Internet Banking using a computer, your Mobile Banking session will time out. Please ensure you are active on the site after you have logged in.

Can I view all of my accounts through Mobile Banking?

Yes. You can view all accounts through Mobile Banking that you view through Internet Banking.

Can I pay bills through Mobile Banking?

Yes, you are able to make payments using our Mobile App or our Mobile Website.

Can I find branches and ATMs through Mobile Banking?

Yes. You can find the nearest ATM and branch locations using your current location or by entering an alternate location.

What is a Data Plan?

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.

Mobile App

What is the Mobile App and how do I get started?

The Mobile App is an app designed for Android phones and iPhones. To get started, visit the Apple App Store or the Google Play Store and search for FirstBank. You will know it's us by our orange cube logo.

What devices are supported by the FirstBank Mobile app?

  • iPhone iOS 6+
  • Android OS 4.1+

Why is my phone automatically "Remembering my Device?"

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.

What can I do with the Mobile App?

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

What is Pay Now?

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.

What does this icon indicate on the Accounts page at the bottom of each account tile?

The two dots indicate your ability to swipe the tile for additional information.

How do I contact a Mobile App expert?

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 Check Deposit

What is Mobile Check Deposit?

Mobile Check 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.

What is the fee for Mobile Check Deposit?

Mobile Check Deposit is free.

Who can use Mobile Check Deposit?

Any personal or business customer with Online Banking and an eligible Checking, Saving, or Loan account may use Mobile Check Deposit.

How do I enroll in Mobile Check Deposit?

You may enroll for Mobile Check Deposit by navigating to Deposit within the mobile app and reading and accepting our Electronic Banking Agreement.

What is the cutoff time for Mobile Check Deposit?

The cutoff time for Mobile Check 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.

When are the funds available?

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.

Are there items Mobile Check Deposit does not accept?

We do not accept currency, foreign checks, savings bonds, and money orders.

What do I do with the checks after I deposit them?

Store the deposited checks in a secure location for 30 days. Then destroy the checks so they may not be accessed or used again.

What is the maximum amount I can deposit through Mobile Check Deposit?

There is a 24 hour limit and per item limit of $5,000.

What devices can I use for Mobile Check Deposit?

You may use Mobile Check Deposit on any supported Apple and Android mobile device with a camera.

FirstGlance

What is FirstGlance?

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 onf inactivity.

What types of accounts can be viewed with FirstGlance?

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.

Can I choose the accounts that display on FirstGlance?

Yes, you can choose any three accounts as long as they are a Checking, Savings, Credit Card, or Cash Reserve account.

What is the difference between the current and available balances shown in FirstGlance?

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.

How do I enroll for FirstGlance?

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.

How do I access FirstGlance?

Swipe the orange FirstBank cube left upon launching the app.

Can I use FirstGlance on more than one device?

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.

How can I turn off FirstGlance?

Select FirstGlance from the main menu. Toggle the "On" button to "Off."

What happens if I lose my device with FirstGlance enabled?

Please notify a Customer Service Representative if your device is lost by calling (800)964-3444 so we may turn this feature off. For your security, no full account numbers or identifying information displays in FirstGlance.

Mobile Security Tips to Remember when using 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.

Mobile Website

What is the Mobile Website?

The Mobile Website is a website designed for all mobile devices accessed through a web browser.

What can I do with the Mobile Website?

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

How do I start using the Mobile Website?

To get started, simply go to m.efirstbank.com using your mobile device's Internet browser and log in. For the quickest, most convenient experience, add m.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.

How do I add a shortcut or bookmark to the home screen of my device?

This process varies slightly by device.

  • Apple: For the iPhone or other Apple devices, go to m.efirstbank.com, press the plus "share" button and click "Add to Home Screen."
  • Android: First, go to m.efirstbank.com and bookmark the Mobile Banking log in page. Then on the home screen of your device, long-press in an empty space where you want the shortcut to appear. This brings up the "Add to Home Screen" menu. Then select "Shortcuts", select "Bookmarks" and then select the FirstBank bookmark.
  • BlackBerry: Go to m.efirstbank.com screen, select the menu button and then click "Add to Home Screen."

Why can't my mobile device access the Mobile Website?

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 303 232-5522.

 

hide this Internet Cash Management

What are the fees for Internet Cash Management?

Account Management:

(Free with eStatements) $35.00 for paper statements per month, per customer.

 

Bill Payment(Optional):

$25 per month, per customer

 

Desktop Teller(Optional):

  • $55 per month for Mid Speed Scanner
  • $75 per month for High Speed Scanner
 

Wire Transfer Module (Optional):

$25 Per month, per customer

  • $10.00 per domestic wire
  • $20.00 per foreign wire
 

Positive Pay Module (Optional):

$25 per month, per customer

$.05 for payee name verification (only applies to checks over $1,000)

 

ACH (Automated Clearing House) Module (Optional):

$25 per month, per customer

$.12 per transaction

Security

Is Internet Cash Management secure?

FirstBank safeguards your information according to established security standards and procedures to ensure your financial information is secure and confidential.

  • Data within the service is encrypted (scrambled) as they travel between your computer and the bank.
  • “Firewall” technology prevents others from gaining unauthorized access to our computer systems.
  • Permissions and approval limits may be established per user for each module.
  • Each user will select a unique User ID and password.
  • Multi factor authentication is required to access the service.
  • Regular audits of our service ensure we are maintaining commercially reasonable security systems.

What if I forget my password?

For your security, no one knows your password but you. However, if you forget your password, please call the Internet Cash Management Department at (303) 235-1378 or 855-426-1500 for outside metro Denver for assistance.

What can I do to keep my financial information secure?

  • Do not give or disclose any part of your user ID, password or token to anyone. Bank employees will request your user ID when accessing your account profile, but should never ask for your password.
  • Do not have your account information, including your computer screen, out in an open area or accessible to others.
  • 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 with whom you are dealing.
  • Contact us immediately if there are charges on your account you don't recognize.
  • Do not leave your computer unattended while you are connected to Internet Cash Management.
  • Be sure to log off Internet Cash Management when you have completed your session. If you forget to log off and there has been no activity for a time selected by you, FirstBank will automatically end the session. After your service has "timed-out," you will need to log back in.
  • Do not operate your computer without also maintaining up-to-date security applications to protect your system from viruses, malicious programs, spyware, and other security threats.
  • Use different computers to initiate and approve money moving transactions.
  • Perform an internal risk assessment for your business to ensure proper controls are in place to protect your business' financial information.
  • Look out for scams to obtain funds or financial information. Remember if it sounds too good to be true, it probably is.
 

hide this Business Credit Card Management (360Control)

How do I Sign Up?

Contact our Business Services Department at 303-239-5060 or toll-free at 877-249-9980 Monday through Friday between 8AM and 6PM (MST/MDT) or visit any FirstBank location. For the nearest branch, visit our location finder.

What do I need to utilize the service?

360Control supports all versions of Internet Explorer that are officially supported by Microsoft.

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.

Additional Help

Contact our Business Services Department at 303-239-5060 or toll-free at 877-249-9980 Monday through Friday between 8AM and 6PM (MST/MDT).

 

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24-Hour Telephone Banking

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:

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

 

Business Services:

303-239-5060

 

Business Services outside Metro Denver:

877-249-9980

 

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 800-855-3444

 

Outside the United States & Canada:

 

hide this Sending & Receiving Wire Instructions

Sending Wire Transfers

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”.

The fees for sending a wire are $25 for a domestic wire and $45 for a foreign wire. To initiate a wire by telephone, please contact us at 303-231-2005 or 800-467-7640 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.

Wires may be initiated over the phone by signing a Wire Transfer Agreement at any branch location. Completing this agreement is recommended 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 three verification methods in order to ensure the security of these funds.

Receiving Wire Transfers

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 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.

 

hide this Mortgage & Loan Statements

How often will I receive a statement?

You will receive a monthly mortgage or loan statement starting in December of 2013.

What kind of mortgages or loans will receive FirstBank statements?

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.

When will I receive my 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.

How do I change the delivery method of my statement?

If you are currently receiving paper statements and would like to change to electronic statements (eStatements), you can log into your Internet 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 303-237-5000 or toll free at 800-964-3444.

Where can I find my statement online?

Your statements can be found under the eStatements link in the "Accounts" tab on efirstbank.com.

How long are past statements available in Internet Banking?

Statements are available for approximately 36 months. This includes previous quarterly statements for mortgages and monthly statements for mortgages and loans.

When will I receive my first statement after I have closed my mortgage or loan?

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.

When will I receive my last statement after I have made my final payment?

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.

Can I use the Paid Year to Date amount for tax purposes?

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 I pay any outstanding fees, how are they applied to my Mortgage or Loan?

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.

On my mortgage statement, I am receiving a coupon, but am set up for Automatic Payments, why is this?

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.

I received a Delinquency Notice. What does this mean and how do I read it?

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.

What is included in the Delinquency Notice?

  • 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.
 

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What is the difference between my current and available balance?

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 Check 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 Check 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.

What is the difference between my available and projected balance?

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 Check Card transactions, wires, direct deposits or automatic withdrawals you have set up.

When do transactions post to my account?

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 Check 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 Check 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.

How do I change my PIN?

You may change your PIN at your convenience at any one of our FirstTeller ATMs. Simply insert your card, enter the PIN FirstBank issued to you, select "Other", select "PIN Change", and follow the instructions.

We will send you a new Visa Check Card to use with your selected PIN. You can expect to receive the new card in the mail within 3 to 5 business days.

Please note, your newly selected PIN will NOT work with your existing VISA Check Card. You may continue to use your existing card with your FirstBank issued PIN until your new card arrives in the mail. After you receive the new card, you should destroy your "old" card and begin using the new card with the PIN you had chosen.

If you do not have your FirstBank issued PIN, please contact us at 1(800)964-3444 and we will order you a copy. Please note, it will take 5-7 business days for delivery.

My card was lost or stolen.

Please call us immediately. We will cancel your card and send you a new one.

I have a question regarding a charge on my account?

For your security, please login to Internet Banking and use the secure Bank Mail provided in the Customer Service section, or call us immediately if you suspect fraudulent activity.

Why do I have multiple pending Visa transactions for the same merchant?

When a merchant accepts a Visa Check 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.

Why is my Visa transaction for a different amount than what I authorized?

When a merchant accepts a Visa Check 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.

How do I stop an electronic (EFT or ACH) payment?

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.

What is my routing/ABA number?

Your routing/ABA number is 107005047.

How can I call FirstBank toll-free from outside of the United States?

To obtain an International toll free telephone number to be used when calling us, please refer to the AT&T International calling guide 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.

FirstBank Holiday Schedule

You can see a list of the Nationally Recognized Holidays that FirstBank observes.

How do I open a new personal account?

You have three options. You can apply online, by phone, or visit your local FirstBank.

How do I open a new business account?

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 local FirstBank.

How do I change my address or phone number?

For your security, please login to Internet Banking, click on "Settings & Alerts" and select "Update Contact Information," or you can call us.

How do I reorder checks?

You can login to Internet Banking, click on "Settings & Alerts" and select "Checks and Deposit Slips" to place your order, or you can call us.

How can I have my paycheck deposited directly into my FirstBank account?

If your employer offers Direct Deposit, you can have your paycheck automatically deposited into your account. Print and complete the direct deposit form and bring it or mail it to any FirstBank location.

 

hide this Products

Overdraft Services

What are Overdraft Services?

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, and bill payments.

What does it cost?

You will be charged a $34 fee each time you use your debit card, check, ACH, or bill payment and do not have sufficient 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 day retroactive to the first day the account was overdrawn.

When do I need to make a deposit to avoid overdraft fees?

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.

If I sign up to be covered, will my transactions always be approved?

No. While most transactions are approved, we reserve the right to approve or decline transactions at our discretion.

What if I want you to treat my future transactions the same way you do today?

Review the "What You Need to Know about Overdrafts and Overdraft Fees" disclosure and select the accounts that you would like to enroll in the Overdraft Service.

How can I avoid paying overdraft fees?

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 a Cash Reserve. The Cash Reserve is a personal line of credit attached directly to your checking account. If your checking account runs short of available funds to pay for transactions, funds are automatically advanced from the available credit in your Cash Reserve. Cash Reserve applications are subject to credit approval.

Important Details About FirstBank Overdraft Coverage

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.

Smart Choice College Savings Plan

What is a 529 savings plan?

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.

What are the benefits of a Smart Choice College Savings Plan?

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.

Who can participate?

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.

Can there be more than one account for the same beneficiary?

Yes. However the aggregate balance of all accounts for a single beneficiary may not exceed $350,000.

Is the beneficiary required to attend a Colorado college?

No. You may use your funds at eligible public and private colleges, universities, trade and vocational schools across the country.

What if the beneficiary doesn't go to college?

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.

What higher education expenses are covered by the plan?

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.

How do I change a beneficiary?

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 and returning it in person to any FirstBank location, or calling us at 800-964-3444 for guidance.

How do I change the Successor Account Owner?

Please complete the Designation of Successor Account Owner Form 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

How do I perform a Rollover?

Please include a completed Rollover Certification Form when you make your deposit. Please note, there is a limit of one rollover per calendar year.

 
 
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