Banks in North Carolina

Did you know there are more than 100 First Bank locations in North Carolina? It’s true. You can find us in over 60 cities, mountains to coast.

Did you know we’re one of the oldest banks in North Carolina? Yup, our roots date back to 1935 in the town of Troy, North Carolina.

Did you know we’re a full-service bank? We sure are. We have checking and savings accounts for personal and business use, credit cards, loans of all types, business merchant services, insurance, mortgages, wealth management, and more.

Of all the banks in North Carolina, we are confident you won’t find the personal level of customer service, complete selection of services, and convenient array of locations that you’ll find with First Bank.

We take advantage of technology to bring our customers the added convenience of online, mobile, and digital banking services to enhance the First Bank experience.* We even connect with our customers through our Facebook, Twitter, Instagram and YouTube channels!

Not Like the Other Banks in North Carolina

You’re likely to find three types of banks in North Carolina. First, you’ll find the large national banks. They don’t have the capacity to get to personally know their customers and specifically cater services to those needs.

The second are smaller local banks that aren’t equipped with the selection of services that bigger banks can offer.

The third type of bank in North Carolina is First Bank, which offers the best of both worlds. We are small enough to provide the friendly customer service and personal care of a local bank and big enough to provide all the services and products of the bigger banks.

So get to know First Bank, and we’ll be pleased to get to know you right back.

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Your Community Bank If you live in North Carolina or South Carolina, you have a ton of banking options right outside your door. Large financial institutions may seem like your best option for banking services at first, but community banks typically offer more consumer-friendly services and fewer fees. Choose the Right Community Bank First Bank is your community bank that cares about local roots. Since 1935, we have been providing our customers with community-centric banking services, including: Personal banking options, such as checking accounts, savings accounts, debit and credit cards, personal loans, and more. Business banking options, like checking and savings accounts, business loans, merchant services, and treasury services. Wealth management services, like asset managements, mutual funds, and estate services. Insurance products, such as life and health insurance for individuals and commercial insurance for businesses. Mortgage loan options, including conventional, government, jumbo, first-time home buyer, and more. The Benefits of a Community Bank According to Bankrate.com there are many other advantages to choosing a community bank over a big bank. For example: Community banks are relationship-based, and the employees typically know you and your whole family on a personal level. Community banks are also smaller and can therefore offer personalized service. Community banks also typically offer lower fees and lower balance requirements than big banks. Being smaller allows community banks to have more lending flexibility than bigger banks Community banks tend to stick to their local roots, which means they strive to offer great services with low fees and give back to the community. First Bank is small enough to know you like a neighbor, large enough to handle all of your banking needs, and dedicated to supporting our local communities. To learn more about us and our banking services, visit your local First Bank branch today. ——— Sources: Bankrate: http://www.bankrate.com/banking/community-banks-vs-big-banks/ 2 min read

Best Bank to Open a Checking Account Are you looking to open a checking account but are having trouble finding the right bank? You shouldn’t have to settle for a bank that doesn’t meet all of your needs. First Bank focuses on the needs of all of our customers, and we strive to be the best bank for you. Open a checking account with us, and our team of experts will help you choose the option that works best for your financial needs. Checking Account Options at First Bank Whether you need a personal checking account or an account for your business, First Bank is the best bank to open a checking account. With multiple options and plenty of benefits, we make your banking experience easier and your financial goals more attainable. Personal Banking We offer three types of personal checking accounts that range from basic to premium. The Everywhere Checking account is our most basic account and features benefits such as access to free online and mobile banking and credit cards with rewards. With the Everywhere Plus account you receive all of the benefits of Everywhere Checking, plus the chance to earn interest at a minimal balance requirement. Our Everywhere Premium account gives you all the basics of Everywhere Plus, but includes perks like no First Bank transaction fees on out-of-network ATM withdrawals. We also have two account options designed with college students and seniors in mind. Our Campus Checking account provides students under the age of 25 with no monthly maintenance fees as long as certain requirements are met. Seniors who use direct deposit may qualify for no monthly maintenance fees and other benefits with our Senior Checking account. Banking for Businesses Whether you are a seasoned business owner or just starting out, we have checking account options designed with your needs in mind. Find a Local Branch Near You Our easy and convenient banking options make First Bank the best bank to open a checking account. Click here to find a local branch near you. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees may apply as described in 3 min read

Find the Best Savings Account Rates at First Bank in North Carolina Finding the best savings account rates in North Carolina can be beneficial for many reasons. Whether you want to save money in the case of an emergency or start a fund for your child’s education, having the right savings account can help you reach your goals. At First Bank, we are confident you can find what you need with one of our many savings account options. Compare NC Savings Account Rates at First Bank When you’re looking to compare rates, it’s important to know what you’re getting from a savings account. At First Bank, we have six types of savings accounts at competitive rates that can fit your financial goals: Everywhere Savings The Everywhere Savings is First Bank’s signature savings account that can be tailored to meet your financial needs. With a minimum of $50 to open, our savings benefits include: 2 free withdrawals per month* No minimum balance to earn interest Free online and mobile banking* Free online bill pay Free eStatements or paper statements MyFirst Savings If you’re under 18 years old and you’re ready to start saving, the MyFirst Savings account is a great way to teach your kids the value of money at an early age. With only a $10 deposit to open, our savings benefits include: 2 free withdrawals per month* No minimum balance to earn interest Free online and mobile banking* Free online bill pay Free eStatements or paper statements Money Market For higher rates and access to your funds when you need it, the Money Market savings account can help you stretch your dollar. A $1,000 minimum is required to open this account to access benefits, including: 6 free withdrawals per month* Free online and mobile banking* Free online bill pay Free eStatements or paper statements More Savings Account Options If you do not need immediate access to your funds, Certificates of Deposit (CDs) typically offer higher rates than other savings accounts. A First Bank CD is a safe, FDIC-insured investment, and requires minimum deposit of $1,000 is required to open.* In addition to these accounts, we also offer Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs) to accommodate your specific savings needs.* How Savings Account Rates in North Carolina are Calculated 6 min read

Online Money Hacks – First Bank If you are active on social media, you’ve probably tried a “life hack” at some point. Life hacks are little things you can do to make your life easier. For example, tying a small piece of bright colored fabric to your luggage makes it easier to tell which bag at the airport. Life hacks are great, but do you know what’s even better? Money hacks! Money hacks not only make your life easier, they help you save your hard earned cash. Money Hacks Worth Trying Money hacks can be anything from saving your spare change in a piggy bank to skipping your morning Starbucks run and making coffee at home. Small money hacks will help you save a little bit of money, but if you’re looking to save in a big way, try these money hacks from Forbes and from your very own First Bank. Borrow against your home’s equity. This money hack is specifically for homeowners, but it’s useful to know if you are ever planning on buying a home. If you find yourself needing a personal loan for a large amount of money, it might be better to borrow money against your home’s equity. Since you already have been approved for a mortgage the loan application process will typically be easier. Another benefit is that interest payments on home equity lines of credit are typically tax-deductible, unlike interest paid on personal loans. Consult your tax advisor for details on the deductibility of interest. Pay insurance premiums once a year. You’re probably currently making monthly payments for policies like life insurance and auto insurance, but it isn’t required that you make your payments that way. You can opt to pay your insurance policy in one lump sum, which can save you money in the long run. Paying by the month may be convenient, but insurance companies typically charge a courtesy fee. Fun Tips to Save More Money Try a service contract. Instead of shelling out hundreds of dollars for a car or home repair, offset the costs by considering monthly payments for an auto warranty or home protection plan. Stay cool. Preserve the longevity of your batteries, hosiery, and candles by storing them in your freezer. Raise a glass to 3 min read

Banks in North Carolina

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Not Like the Other Banks in North Carolina

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