Paying for College | First Bank

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Find the Best Bank for a Student Checking Account Student checking accounts are a great way for college students to get their finances in order and prepare for the future. But finding the right checking account at the best bank takes some research. Deciding which bank offers the best student checking account comes down to finding one that offers the best benefits and features. Use this guide to determine what features are important to you, then learn how to open a student checking account online today. Guide to Choosing a Student Checking Account When comparing student bank accounts, the Simple Dollar suggests making these four factors top priority: Fees — Checking accounts often have monthly fees, but a lot of banks offer accounts without them. As a college student, you shouldn’t have to worry about wasting your money on monthly maintenance fees. When choosing a checking account, go for the bank that offers no monthly fees for students. Location — When it comes to student banking, location is important. You probably don’t want to travel too far off campus to find an ATM or local branch, so look for banks with locations near you. If you like a bank, but their ATMs are located too far away, ask about their fees on out-of-network ATM transactions. A lot of banks will allow you to make a certain number of ATM transactions per month, fee free. But be careful, although your bank might not charge you a fee, the ATM itself could. Linked savings account — College is a great time to start putting money away for your future. When choosing a bank to open a student checking account, consider a bank that offers a linked savings account. With a linked account you will be able to transfer money easily between accounts, allowing you to save as much or as little as you want each month, and withdraw from your savings whenever you want. Perks — Any good student bank account should come with perks. Decide what features and benefits are important to you, such as mobile banking, mobile check deposit and online bill pay, then look for a bank that offers those perks. Campus Checking from First Bank You know that fees, location, savings and perks are all important in a student checking account, but where can you find 3 min read

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Apply for a Personal Loan in South Carolina | First Bank If you’re looking for a personal loan in South Carolina, stop by your local First Bank. We offer highly competitive rates and flexible terms, allowing you to customize your loan based on your financial needs. Visit your local First Bank today to compare personal loan* options and find competitive rates. Tips to Apply for Personal Loan If you need to apply for a personal loan but don’t know where to start, follow these tips to help you secure the best option. Check Your Credit Score—Most lenders will require you to have a high credit score for loan qualification purposes. If your credit score isn’t high enough, consider getting a cosigner to help you qualify for the loan. Know What You Qualify For—Since applying for loans will decrease your credit score, apply only for loans you qualify for. Gather the Necessary Paperwork—Loan applications will require you to prove your annual income, monthly house payments, and employment status. Have these items on hand to simplify your loan application process. Find a Local Bank—Most local banks will give you great deals on personal loans, walk you through the loan application process, and customize the right loan for you. Personal Loan Options at First Bank First Bank offers a number of personal loans options: Personal Line of Credit—A personal line of credit allows you to borrow money instantly. In order to secure your personal line of credit, you may need qualified collateral to apply. HELOC—A home equity line of credit can give you the flexibility to consolidate debt, make a big purchase, or fund a home improvement project using the equity you’ve built up in your home. Vehicle loans—Get a competitive rate on a car or boat loan. For more information on personal loans, visit your local First Bank branch. Additional Loan Options at First Bank For other loan options, consider the following services offered by First Bank: Platinum Rewards Mastercard—No annual fee or charge for balance transfers, this card has everything you need to cover expenses, including the option to participate in a free rewards program. Business Loans—First Bank offers long-term business loans to help you expand your business, finance new equipment, or refinance debt. Construction and Mortgage Loans—Our construction loans provide businesses with 3 min read

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