Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Back
Scroll to top

First Bank Card

Personal Finances 3 min read

Ready to talk to an expert?

With a First Bank card, you can feel confident that you are obtaining a bank card that is secure and convenient.

Are you one of the 194 million people who already have a debit card? Get the most out of your card today with First Bank.

Many Benefits of a First Bank Debit Card

When you open a First Bank checking account, you can receive our First Bank MasterCard® personal debit card. It is accepted at millions of locations worldwide and thousands of ATMs across the country, and comes with free online banking, making it easy to view and track your purchases whenever you want. In addition, you get:

Credit card access benefits — Enjoy 24-hour access to your account and the ability to manage your account online, download credit statements, and pay your bill online**.

Security Benefits — Enjoy security benefits such as:

  • Zero liability: Pay only for authorized purchases.
  • MasterCard SecureCode: Enjoy protection from fraudulent use of your card information online.
  • ID theft alerts: Reduce your risk of identity theft with this service that constantly monitors websites and chatrooms. You’ll be alerted immediately should we detect any evidence of your information being traded or sold online.

Convenience Benefits — Enjoy convenience benefits such as:

  • MasterCard Global Service®: This benefit provides you with 24-hour service for lost or stolen cards, account information, emergency cash advances, and more 365 days a year.
  • Mobile Wallet: A quick and easy way to use your First Bank debit card on the go with most smartphones.

Shopping Benefits — Enjoy shopping benefits like:

  • Price protection: If you find an item that was recently purchased with your eligible MasterCard® for a lower price, you may be reimbursed for the price difference.
  • Extended warranty: Most manufacturer’s warranties are doubled up to one year when you pay with your eligible MasterCard®.

First Bank has over 100 locations in NC and SC so head to a location near you and open an account today.


*Loans subject to credit approval. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated. 

**While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Must enroll in First Bank Online Banking and download the First Bank Digital Banking App from the App Store or Google Play. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google Inc.

———

Sources:

Statista: http://www.statista.com/topics/1598/debit-cards/

Ready to talk to an expert?

Share:
First Bank’s Good To Know Logo
Sign up for our newsletter and be the first to know about new tips, insights, and products from First Bank.
First Bank may use this email address to contact you about products, services, and promotions.

You may be interested in...

Image for tile. Tips to Freshen up Your Budget First Bank Clients: Are you using your MyMoney tools in online banking? MyMoney Manage your budget, track your spending, and modify your debt payback plan - all from your First Bank online banking account. Learn how Start with your (e)mail. Do you have a system for keeping your mail organized and sorted? Credit card and loan statements, bank statements, bills, and receipts can pile up quickly. An organized mail area in your home is the first step in keeping track of your bills and expenses. Bring that cleaning momentum into your email inbox and organize your e-statements too. If your email inbox is piling up, it might be time to clean it out. Here are a few email cleaning suggestions. Tally up your monthly expenses. You can use paper and a pencil, a spreadsheet, or budgeting software. Choose a method you are most comfortable with and get started. If you search for budgeting templates in Google, you’ll find a seemingly endless number of options. A template similar to this option from Microsoft is a good starting point for logging your expenses in a spreadsheet. Check in with your automatic and recurring transactions. Many utility providers, subscription services, and credit cards offer automatic payment options. Autopay enrollment is a great way to ensure you won’t miss a payment, but it can become easy to lose track of where your money is being spent. If you like the convenience of automatic payments but want to keep a better eye on those transactions, consider enrolling in Bill Pay. At First Bank, our Bill Pay system allows you to manage all of your payments from one place. Learn more about First Bank Bill Pay here. Predict your variable expenses. Examples of variable expenses are food, gas, clothing, pet care, prescriptions, etc. that change each month. These are more difficult to pin down, but there are a number of ways to do it. You can either look into the past and add up expenses from each spending category, or you can track those expenses moving forward in real time. Whichever your preference, having a strong understanding of how much you should be spending on non-fixed expenses each month will give you a more accurate picture of your discretionary spending. For a list of common personal budgeting categories, click here. Refine your debt repayment and savings goals. It’s hard to choose between prioritizing debt repayment or saving for the future. While you want to avoid paying unnecessary interest and penalties on your debts, it’s also important to have an emergency savings fund so that you’re less likely to incur more debt when unexpected expenses arise. Many experts recommend having enough saved to cover 3-6 months of expenses. First Bank offers a number of savings account options so that you can keep that money separate from your checking account. Did you know that First Bank credit cards offer $0 balance transfer fees? Here is a helpful calculator to see if a First Bank credit card is right for you. If you’re struggling with making your debt payments, you’re not alone. Our bankers understand that circumstances can be tough and everyone has a different financial story. We want you to feel comfortable talking about you finances and confident in creating a successful path forward. Please reach out to your local First Bank and we’ll do what we can to help you get back on track. Use your discretion. With recent cost of living increases, your typical discretionary expenses are most likely also increasing and could be throwing off your budget. Depending on your debt and savings goals, you might want to readjust your discretionary spending to allocate more for debt payments and savings deposits. MyMoney: Your First Bank Advantage If you’re a First Bank client, log in to your online banking account and explore the Financial Tools section (also known as MyMoney). This service will create a budget snapshot for you. To ensure accuracy, you’ll want to link all of your active banking accounts and customize your spending categories. Find MyMoney instructions here. One of our favorite ways to use MyMoney is to select the ‘Trends’ tab and view your monthly trends by category. You’ll have a nice breakdown of each expense category with the amount spent shown per month. 4 min read
Mortgage Rates 101: Information You Should Know Acquiring information about mortgage rates is a vital step in the home buying process. Mortgage rates vary based on several factors, such as the amount and type of your loan and your credit score. To get better mortgage rates in your area, it’s best to contact your local lender like First Bank. First Bank’s Mortgage Center provides customers with answers to common questions about loan options, mortgage rates information, and more. Whether you are a first-time homebuyer, an experienced homebuyer, or building a new home, we provide information that can help you qualify for the loan and purchase your new home. Mortgage Rates Information from First Bank You will typically have multiple loan options to choose from before purchasing a home, including conventional mortgages, government loans, and construction loans. Two of the most popular types of home loans are conventional adjustable-rate and fixed-rate mortgages. Conventional adjustable-rate mortgages: Interest rate, monthly principal, and interest payments remain the same for an initial period of 3, 5, or 7 years, for example—then adjust periodically. Interest rate caps set a limit on how much your interest rate can increase. ARMs typically have a lower initial interest rate than fixed-rate mortgages. Monthly principal and interest payments may increase as the rate adjusts. Conventional fixed-rate mortgages: Interest rate and monthly payments stay the same for the duration of the loan. Offers protection from rising interest rates for life of the loan. Available in 15-year, 20-year, and 30-year fixed-rate loan term options. For more information on conventional mortgage rates or mortgage rates on our other home loan options, find your local First Bank loan officer today. Loans subject to credit approval. ——— Sources: Investopedia: http://www.investopedia.com/terms/c/credit_score.asp Investopedia: http://www.investopedia.com/articles/pf/05/022405.asp?lgl=mtdt-v1 2 min read
Education Savings Account – North Carolina College is expensive. The cost of tuition, housing, books, food, and transportation starts to add up. The cost of going to college has gone up by over 400% since the 1970s. The average college student’s debt is $37,172. Don’t get bogged down with student or parent loans. In North Carolina, a First Bank education savings account can help you save for college. Start A Savings Account for Education at First Bank in North Carolina North Carolina is home to some of the best universities in the country, like N.C. State, UNC Chapel Hill, Duke, Elon, Eastern Carolina University, and Wake Forest. You shouldn’t have to miss out on the great education North Carolina has to offer because of the high costs. First Bank understands the importance of education. Our education savings accounts can help you prepare for your future and achieve your career goals. Everywhere Savings – Our Everywhere Savings account is a great option for anyone who wants to start saving for college. MyFirst Savings – It is never too early to start saving for your education. First Bank customers under 18 years of age can open a MyFirst Savings account with only a $10 initial deposit. Money Market – First Bank’s Money Market account is a good option for parents or young adults who can put down a little more money to deposit. CDs – A certificate of deposit may be a good option for parents or students who do not need immediate access to their funds. CDs usually earn interest at a higher rate, and are FDIC-insured.* All of our accounts come with free online and mobile banking services.** First Bank makes it easy for you to manage your account from virtually anywhere. Contact or visit your local First Bank to speak with one of our experts about the best education savings account option for you. With over 80 locations in North Carolina, it is easy to find a First Bank near you. *CDs are subject to penalty for early withdrawals prior to maturity date. Penalty will reduce earnings. Investment and Insurance Products are NOT Bank Deposits, NOT FDIC-Insured, HAVE NO Bank Guarantee, NOT Insured by any Federal Government Agency, May Go Down in Value. **While First 3 min read