Fraud & Identity Protection

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What Is a Child Savings Account? “What is a child savings account?” In a child savings account, you can deposit spare change, birthday money and other loose funds to accrue some interest throughout their childhood. This teaches children the lesson of “a penny saved, is a penny earned.” Read on to learn more about a child savings account and how you can set one up with First Bank. What Is a Child Savings Account? A gateway to education. Research suggests that a child savings account greatly increases the odds that a child from lower to middle income will attend—and even graduate—from college. The research, conducted by Prosperity Now in Washington, DC, shows that children with savings accounts are more likely to start planning for college early and consider themselves college bound. A pathway to financial independence. Additional research conducted by the University of Kansas finds that children with savings accounts are four times more likely to invest in the stock market in adulthood. So, while the return on a child savings account might seem minimal on the surface, the benefits can pay big dividends in the long run. A child savings account is a great way to teach your son or daughter financial literacy and responsibility. Open a Child Savings Account with First Bank With just a $10 initial deposit, customers under the age of 18 can open a MyFirst Savings account and get started on a lesson with a lifelong payoff. A MyFirst Savings account comes with no monthly maintenance charge and no minimum balance needed. Interest is earned as long as certain requirements are met. Our account also comes with eStatements or paper statements, online and mobile banking* and two withdrawals per month free of First Bank fees. Learn more about our child savings account and guide your child to a brighter future with First Bank. *While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 2. Withdrawal fee of $2 each after the first two during the month. Federal regulations limit withdrawals of preauthorized transfers to two (2) per month, including checks, drafts, online transfers, telephone transfers and debit card purchases. ——— Prosperity Now: https://prosperitynow.org/blog/empirical-evidence-support-childrens-savings-accounts 2 min read

Stay Scam-Smart: Secure Holiday Shopping Tips for Fraud-Free Festivities! The holiday season is a time of joy, celebration, and unfortunately, increased risk of fraud. Check out these tips and reminders to help ensure your celebrations remain blissfully fraud-free. 6 min read

Hassle Free Checking Account Near Me At First Bank, we don’t believe in charging unnecessary fees and diminishing your hard earned cash. That’s why we offer five options for hassle-free checking accounts provided you meet some basic monthly requirements. Don’t get bogged down with maintenance fees, ATM transaction charges or any other hidden costs. Maintain certain requirements such as a minimum balance or regular direct deposits and enjoy the luxury of a hassle-free checking account at a First Bank near you. Hassle-Free Checking Accounts for Everyone First Bank offers five different types of hassle-free checking accounts with no monthly maintenance fees as long as minimum requirements are met: Everywhere Checking. A basic checking account with monthly fees that can be avoided with basic requirements. Everywhere Plus. This account provides all the basics of Everywhere Checking while also allowing you to earn interest on the money you save. No monthly fees as long as you meet certain requirements. Everywhere Premium. Reap all the benefits of Everywhere Plus while also getting free checks and an unlimited number of out-of-network ATM withdrawals with no First Bank fee. Avoid maintenance fees by meeting minimum guidelines. Campus Checking. This is a student checking account for enrolled college students under the age of 25. There are no minimum balance requirements. Senior Checking. Those over the age of 65 can enjoy free checks and no monthly fees by meeting basic requirements. Features of First Bank’s Hassle-Free Checking Accounts In addition to being able to avoid any monthly fees by meeting basic requirements, all five of our checking accounts include no fees for: Free online and mobile banking* Free online bill pay Free paper or electronic statements Visit a First Bank location near you to learn more about how to qualify for a hassle-free checking account with First Bank and start saving money today. 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. ——— Sources: Investopedia: http://www.investopedia.com/terms/d/directdeposit.asp Investopedia: http://www.investopedia.com/terms/m/minimum-balance.asp 2 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

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