First Bank One Rewards Program: Learn More

There are a lot of advantages to being a First Bank credit card holder, but the First Bank One Rewards Program is the most beneficial to you. By simply using your Platinum Rewards Mastercard^® or Mastercard^® Business Card with Rewards, you’ll earn rewards for qualified everyday purchases like groceries, gas, utilities, tuition, and more.

Earn Rewards with Your First Bank Credit Card

Participation in the One Rewards Program is free and available to any customer who has a First Bank Mastercard^® rewards credit card.

With our One Rewards Program, just one card allows you to redeem what you want, when you want. Earn points on gas, groceries, insurance, utilities, and more. Here are a few examples of some redemption options:

Gift cards to restaurants like Starbucks, Cracker Barrel, and Panera Bread
Merchandise like Apple watches, golf clubs, and more
Gift cards to retailers like Macy’s, Crate & Barrel, Shell, and Lowes
Travel packages

Start earning points to use on all of our travel rewards, gift cards, merchandise, cash back program, and other rewards options.

First Bank’s Card Options

First Bank offers Mastercard credit cards for individuals and businesses. Choose from the following to earn your One Rewards points.

Start Earning Your Rewards Today

If you don’t already have a First Bank Mastercard credit card, visit a First Bank branch near you today to learn how you can start earning through our First Bank One Rewards Program.

® Mastercard. Mastercard, Debit Mastercard, and the Mastercard brand marks are trademarks of Mastercard International Incorporated.

*See our Terms and Conditions for complete details on our One Rewards Program. Loans subject to credit approval.

Share:

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...

Compare Checking Accounts at North Carolina Banks You’re likely already aware of the importance of performing a checking account comparison before making a final decision. It can be difficult to navigate the many options and select the account that offers the most benefits. You should start your comparison by looking at the features you consider most important. Comparing a Checking Account Checking account features, fees, and requirements can all be very different. When trying to decide among various account options, try looking for a few specific things, such as: Demographics—A lot of checking accounts are designed to meet the needs of certain age groups, such as teens, college students, and senior citizens. These accounts often offer special features or benefits that other account holders do not receive. Fees—Many checking accounts charge a monthly fee, but they also often provide ways to waive the monthly fee, like using direct deposit or maintaining a minimum monthly balance. Mobile banking—If you like to have access to your accounts through mobile device, you’ll want to look for a checking account that comes with a free mobile banking app. Checking Account Comparison at First Bank If you live in North Carolina and are looking for a checking account that meets all of your needs, visit your local First Bank*. We have more than 70 locations across the Tar Heel state, and we offer a variety of checking accounts that feature benefits, including: Free online and mobile banking** Ways to keep your account fee free*** Specialized accounts for college students and seniors over the age of 55 Contact a First Bank Specialist Today If you need help deciding which account is right for you, you can use our online checking account comparison tool, or contact your local branch to learn more. **While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. ***Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee Free™ section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule, also available at your local branch. 2 min read

HSA Rules and Regulations You Should Know If you have a high-deductible health insurance plan, a Health Savings Account (HSA) can help you save for future medical expenses. Health Savings Accounts were established by the federal government as part of the Medicare Prescription Drug, Improvement, and Modernization Act. Like any federal program, HSAs have rules you must follow in order to qualify, make contributions to your account, and withdraw your funds. HSA Rules and Regulations Rules for Qualifying According to federal guidelines, in order to qualify for an HSA, you: Must be covered under a high deductible health plan (HDHP) on the first day of the month Have no other health coverage (some exceptions apply) Are not enrolled in Medicare Cannot be claimed as a dependent on someone else’s prior year tax return Rules for Making Contributions Each year the IRS determines the amount that you, your employer, or anyone else can contribute to your HSA. Determine current contribution limits on the IRS website. Rules for Using Your Savings You can use the money in your HSA account for qualified medical expenses determined by the IRS. Typically, HSAs are used for treatments, prevention and diagnosis of conditions and diseases. HSAs at First Bank* A First Bank Health Savings Account provides you a tax-free distribution from your account any time you need to pay for medical expenses.** First Bank HSAs also come with online banking and bill pay to help you manage your account, and you can access your funds from anywhere with our HSA-specific debit card and checks. Other benefits include: Tax deduction for contributions even if deductions are not itemized Contributions made by employer may be excluded from gross income Contributions accumulate until used Tax free earnings HSA may be transferred or rolled over to another HSA Complete IRS reporting available FDIC insured To learn more about HSA rules and sign up for an account today, visit a First Bank branch near you. *Member FDIC. **Qualified medical expenses, as explained in IRS Pub. 502, include amounts paid for doctors’ fees, prescription medicines, and necessary hospital services not paid for by insurance. Qualified medical expenses may be incurred by you, your spouse, or your dependents. To be eligible for a HSA account, you must you must be 3 min read

Am I Eligible for FEMA Relief? Here’s What You Need to Know Who Qualifies for Assistance? Federal disaster aid is available for residents and business owners in the following counties: Alexander, Alleghany, Ashe, Avery, Buncombe, Burke, Caldwell, Catawba, Clay, Cleveland, Gaston, Haywood, Henderson, Jackson, Lincoln, Macon, Madison, McDowell, Mitchell, Polk, Rutherford, Transylvania, Watauga, Wilkes, and Yancey. Not sure if you’re eligible? You can verify your eligibility and apply directly on FEMA’s website: DisasterAssistance.gov. What Assistance Does FEMA Offer? FEMA provides a range of relief programs aimed at helping individuals and businesses recover from disasters. Here’s a closer look at what you may be eligible to receive: 1. Housing Assistance This aid helps you secure safe shelter while your home is being repaired or rebuilt. FEMA can provide funds for: Rental Assistance: Financial support to rent a temporary residence if your home is uninhabitable due to disaster-related damage. Lodging Expense Reimbursement: If you had to stay in a hotel or motel, FEMA can reimburse you for these expenses. This is especially helpful if you were unable to find immediate rental options. Home Repair or Replacement: Grants are available to help repair or replace your home and address disaster-specific damages, such as water damage or mold. FEMA may also cover hazard mitigation measures that reduce the risk of future damage. Accessibility Needs: If you or someone in your household has a disability, FEMA can provide funds to make your home accessible. This might include ramps, grab bars, and other necessary modifications, even if these were not originally present before the disaster. Privately-Owned Roads, Bridges, and Docks: If the only access to your home has been damaged, FEMA can help cover repair costs for private infrastructure like roads and bridges. 2. Other Needs Assistance This program helps with essential expenses and serious needs beyond housing. Covered expenses include: Serious Needs: Grants to cover immediate necessities like food, water, first aid, prescriptions, and personal hygiene items, ensuring you have access to essentials during recovery. Displacement: If your home is uninhabitable, FEMA can help cover the cost of staying with family, friends, or in a hotel while you search for a more permanent solution. Personal Property: Financial assistance to repair or replace items essential to daily life, such as appliances, furniture, and work or school-related items like computers and tools. This can also include uniforms, books, and equipment needed for self-employment. Medical and Dental Expenses: If the disaster caused injury or damaged medical or dental equipment, FEMA can help cover the costs for treatment, equipment replacement, and prescribed medications. Funeral Costs: In the unfortunate event that the disaster resulted in a loss of life, FEMA offers support to cover funeral or reburial expenses. Child Care: For families facing increased child care costs due to the disaster, FEMA can provide funds to help cover these additional expenses. Assistance for Miscellaneous Items: Reimbursement for items like generators, dehumidifiers, and chainsaws that were purchased or rented to aid in the recovery process. Transportation: If your vehicle was damaged and you don’t have an alternative mode of transportation, FEMA may help cover the repair or replacement costs to ensure you have a way to get to work, school, or other essential places. Moving and Storage Expenses: FEMA can help with costs associated with moving and storing personal property, especially if it needs to be relocated temporarily during home repairs or if you need to move to a new residence. Each of these programs is designed to provide immediate and practical support, so you can focus on the well-being of your family and community as you rebuild after the disaster. How Do I Apply for FEMA Assistance? Applying for FEMA relief is straightforward. Here are the steps to get started: Apply Online: Visit DisasterAssistance.gov to apply for assistance. You can also download the FEMA App or call FEMA’s toll-free number at 1-800-621-3362. Register for an Account: If you’re applying online, you’ll need to create an account on Login.gov. This will allow you to save your application, upload documents, and check your status. Prepare Your Information: You’ll need details like your home and mailing address, Social Security number, insurance info, and bank details for direct deposit. Submit Your Application: Once you’ve completed the application, review it, make any necessary changes, and submit it. Be sure to save your application ID as you’ll need it for future communication with FEMA. What Happens After You Apply? After applying, FEMA will review your application and may contact you for additional information or to schedule an inspection. You can always log into your account on DisasterAssistance.gov to check your application status and receive updates. If approved, FEMA will disburse funds via direct deposit or a mailed check, based on your preference. For more information or to begin the application process, visit DisasterAssistance.gov, call FEMA at 1-800-621-3362, or use the FEMA App. Recovering from Disaster with FEMA’s Support If you’re affected by Hurricane Helene, you don’t have to face it alone. FEMA offers a range of programs designed to help you get back on your feet. Take advantage of these resources to help ease the journey to recovery. 5 min read

Best Checking Accounts – North Carolina First Bank strives to provide our customers with the best checking accounts in North Carolina. That is why each of our checking accounts comes with unique benefits such as free online and mobile banking and free online bill pay. Compare Checking Accounts from First Bank in North Carolina First Bank strives to provide our customers with the best checking account options. That is why each of our checking accounts comes with unique benefits and features. Our checking account options include: Everywhere Checking — our most basic account. Free online and mobile banking* Free online bill pay Free eStatements or paper statements Earn rewards points when use your eligible First Bank credit card* Everywhere Plus — earn interest on the money you save. Free online and mobile banking* Free online bill pay Free eStatements or paper statements Earn rewards points when use your eligible First Bank credit card* Interest at a minimal balance requirement* Everywhere Premium — enjoy premium benefits. Free online and mobile banking* Free online bill pay Free eStatements or paper statements No transaction fees on out-of-network ATM withdrawals Earn rewards points when use your eligible First Bank credit card* Free member checks or 50% discount on alternate check designs 4 free official checks per statement cycle Interest at a minimal balance requirement Campus Checking — an account specifically for students under 25. No monthly maintenance fees Free online and mobile banking* Free online bill pay Free eStatements or paper statements No First Bank transaction fees on 8 out-of-network ATM withdrawals per month Earn Rewards Points at hundreds of online retailers when you use your eligible First Bank credit card Senior Checking — for customers over 55. Free online and mobile banking* Free online bill pay Free eStatements or paper statements Earn rewards points when use your eligible First Bank credit card* Free basic checks or 50% off other designs Checking Account Comparison Chart We have an easy-to-scan checking account comparison chart to help you find the right fit account. Why First Bank? First Bank has evolved to meet the needs of our customers. We started out as a small bank in a small North Carolina town, helping local farmers and businessmen manage their finances. Since then we have expanded our services and clientele over three states, and we 4 min read

First Bank One Rewards Program: Learn More

Ready to talk to an expert?

Earn Rewards with Your First Bank Credit Card

First Bank’s Card Options

Start Earning Your Rewards Today

Ready to talk to an expert?

You may be interested in...