Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Find Your Local Branch
Back
Scroll to top

The Best Personal Banking Services for You

Personal Finances 4 min read

Ready to talk to an expert?

Find A Location Get In Touch

Finding the best personal banking services for your financial needs doesn’t need to be difficult. The factors that go into evaluating available options can include convenience, fees, and interest rates. It’s essential for you to consider how important each of these items is to you, or if there are other factors you need to consider. When thinking through your needs, know that your local First Bank* personal banking services can provide you with plenty of convenience and even more peace of mind.

What is Personal Banking?

Personal banking refers to all the services banks design and offer to individual consumers rather than businesses. These services include checking and savings accounts, credit and debit cards, certificates of deposit (CDs), loans, and more.

You should consider these top 5 factors for your personal banking needs:

  • Fees and Minimum Balance — Before opening an account at any bank, it’s critical to be fully aware of fees (e.g. monthly, transaction, annual). Some banks have hidden fees that could creep up on you when you least expect it. If a bank doesn’t reimburse ATM fees, make sure there are enough no-fee ATMS in your area. Learn how to Keep It Fee Free** at First Bank.
  • Interest Rate — Keep an eye out for banks that offer high-yield checking accounts. These kind of accounts provide you with higher interest rates so you have the option to earn interest on both savings and checking accounts.
  • Convenience — Online banking is the most convenient with its 24/7 web-based access to your finances. But if you prefer to visit the bank, you’ll want to find one with nearby locations and convenient hours too. First Bank has locations in North Carolina and South Carolina and it’s easy to find your closest branch location.
  • Service and Perks —  Customer service can make or break your experience with a bank. It’s important for you to feel like calling your bank will be productive and pleasant. Find out if a bank offers extra services that could be beneficial for you, including free checks, a rewards program, or special accounts for kids.
  • Easy Online and Mobile Banking — Online and mobile banking are great for managing your finances wherever and whenever you need to. This kind of flexible access simplifies numerous banking activities, including transferring funds and making recurring payments. First Bank offers online and mobile banking, and they offer a mobile app*** to make your experience as easy a possible.

Personal Banking with Your Interests in Mind

When it comes to your personal finances, you should never have to settle for anything less than the best for your specific needs. Whether you’re interested in a specific personal banking service or a suite of tools, we’re confident that you’ll find everything you need at First Bank.

We strive to put the “personal” in personal banking with the kind of quality service and personal attention you’d expect from your local community bank. Visit a local First Bank near you to learn more about how we can help you with all your personal banking needs.

*Member FDIC.

**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.

***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. Customers must enroll in First Bank Online Banking and download the First Bank Digital Banking App from the App Store or Google Play.

Ready to talk to an expert?

Find A Location Get In Touch
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...

How Much Savings Should I Have At Age 30? Do you know how much savings you should have at age 30? Unfortunately, there is no exact answer. Expert advice conflicts between encouraging 30-year-olds to save more and investing their already saved money into assets. However, if you’ve been saving the recommended 10-25% of your income in your 20s, then you’re already off to a great start! Estimated Amount of Savings by Age 30 How much savings you have, or should have, depends on your income. CNN Money provides the following estimates for people in their 30s to use as a guide to retirement savings. Income Estimated Savings Amount $40,000 $60,000 $65,000 $97,500 $90,000 $135,000 $115,000 $172,500 If these aren’t the numbers reflected in your savings account balance, don’t panic! This can easily be an over- or under-estimation for many, especially depending on when in your 20s you began saving. Focus on Investing Over Saving Rather than focusing on the number you should or should not have by the time you’re 30, you should instead focus on investing and paying off your debt. You have plenty of time to save up for that trip to Bermuda, but that shouldn’t be done while you’re carrying credit card debt. Money Under 30 recommends three financial goals that you should hit by the age of 30: Pay off consumer debt as soon as you can, including credit card debt and auto loans. Save an emergency fund of at least three months’ (or more!) worth of living expenses in case you are suddenly unemployed or have to foot a pricey car repair bill. Begin investing, as that adds to your net worth more than how much you’ve set aside in savings thus far. Consult with an investment advisor before making any investments. For more advice and guidance on savings, investing and retirement, contact your local First Bank* branch today. ——— Sources: Financial Samurai: http://www.financialsamurai.com/how-much-savings-should-i-have-accumulated-by-age/ CNN Money: http://money.cnn.com/gallery/retirement/2015/09/01/how-much-do-i-need-for-retirement/2.html Money Under 30: http://www.moneyunder30.com/how-much-money-saved-30 Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Osaic Institutions and FB Wealth Management, a division of First Bank, are not affiliated. We do not provide tax advice. Consult your tax advisor. Investment and Insurance Products are: Not Guaranteed by the Bank Not FDIC Insured Not a Deposit Not Insured by Any Federal Government Agency May Lose Value including Loss of 2 min read
Close up of a For Rent sign in front of a house. Rent to Own: What the Buyer Should Consider If you're interested in buying a home but are unable to qualify for a mortgage, you might consider a rent-to-own situation. 3 min read
Best Savings Account For Kids Finding the best savings account for kids doesn’t have to be complicated. Savings accounts can foster good saving and spending habits, and your child will probably enjoy watching their savings grow. First Bank offers the best savings account for kids in North Carolina and South Carolina. First Bank makes saving easy with our MyFirst Savings account. With this account, your child (under 18 years of age) can save money and earn interest. MyFirst Savings includes: 2 free withdrawals per month* No minimum balance to earn interest Interest-earning account $10 minimum required to open account Free online and mobile banking* Free online bill pay Free eStatements or paper statements The best part? There is no monthly service charge for this account. So you won’t have to worry about your kids’ savings being cut into by costly fees. Best Savings Accounts for Any Age Lead by example with one of First Bank’s five other savings account options. We offer savings plans for adults that range from basic savings accounts to accounts that can help you save for anything—from college to retirement. They are: Everywhere Savings—a simple savings account with a competitive rate Money Market—offers higher rates and access to your funds Certificates of Deposit—enjoy a guaranteed return with a fixed rate and choice of terms IRAs—a long-term savings strategy with tax advantages Health Savings Accounts (HSAs)—a way to save for current and future healthcare expenses To learn more about First Bank’s savings accounts and why we offer the best savings accounts for kids, visit a branch near you. Teaching Your Kids to Save Children often learn their saving and spending habits from their parents, so teaching your children how to save money can be essential to their future. Children who grow up without knowing how to save money, budget, or pay bills often make poor financial decisions in the future. Follow these tips to teach your children the importance of saving money: Allow your child to earn money — try assigning your child age-appropriate chores then give him or her a weekly allowance when they are completed. Let your child spend money — allowing your children to purchase things they want with their own money will encourage them to earn money. Help your child save 4 min read
The Best Personal Banking Services for You Finding the best personal banking services for your financial needs doesn’t need to be difficult. The factors that go into evaluating available options can include convenience, fees, and interest rates. It’s essential for you to consider how important each of these items is to you, or if there are other factors you need to consider. When thinking through your needs, know that your local First Bank* personal banking services can provide you with plenty of convenience and even more peace of mind. What is Personal Banking? Personal banking refers to all the services banks design and offer to individual consumers rather than businesses. These services include checking and savings accounts, credit and debit cards, certificates of deposit (CDs), loans, and more. You should consider these top 5 factors for your personal banking needs: Fees and Minimum Balance — Before opening an account at any bank, it’s critical to be fully aware of fees (e.g. monthly, transaction, annual). Some banks have hidden fees that could creep up on you when you least expect it. If a bank doesn’t reimburse ATM fees, make sure there are enough no-fee ATMS in your area. Learn how to Keep It Fee Free** at First Bank. Interest Rate — Keep an eye out for banks that offer high-yield checking accounts. These kind of accounts provide you with higher interest rates so you have the option to earn interest on both savings and checking accounts. Convenience — Online banking is the most convenient with its 24/7 web-based access to your finances. But if you prefer to visit the bank, you’ll want to find one with nearby locations and convenient hours too. First Bank has locations in North Carolina and South Carolina and it’s easy to find your closest branch location. Service and Perks —  Customer service can make or break your experience with a bank. It’s important for you to feel like calling your bank will be productive and pleasant. Find out if a bank offers extra services that could be beneficial for you, including free checks, a rewards program, or special accounts for kids. Easy Online and Mobile Banking — Online and mobile banking are great for managing your finances wherever and whenever you need to. This 4 min read