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Digital Banking FAQs


General Digital Banking Questions

Can I go back to the old app/online banking? 

Our old platform is phasing out as new technology will make it a poor experience and less secure for customers. We cannot revert customers to our old system.

Can I view my statements on my tablet? 

Currently, you cannot view eStatements using our Tablet app. The ideal experience for viewing and printing your statements is on a desktop or laptop computer.

What are the cut-off times for online banking transfers? 

For internal transfers (including payment to internal loan), the cut-off time is 8 PM. For external transfers, the cut-off time is 5 PM.

Are there any fees for outbound external transfers? 

Yes, there is a nominal fee of $1.50 per outbound external transfer.

Are there any limits when processing external transfers? 

Yes, you may transfer up to $5,000 per transaction or $25,000 per month.

Where can I find First Bank's online and mobile banking agreement? 

You can view the online and mobile banking agreement here.

Mobile Banking Questions

I'm enrolled in online banking. How do I get your app? 

You can find our app at LocalFirstBank.com/Mobile or LocalFirstBank.com/Tablet and download for your Apple or Android device.

I downloaded your app, but can't use it. What do I do? 

You must first be enrolled in online banking to start using mobile banking. You will receive a user ID and password through this enrollment that you will use to login on our smartphone app as well. Enrollment is easy. Visit LocalFirstBank.com/Enroll to start the process.

Can I use Touch ID with your app? 

Yes, you may use Touch ID using our app. Get started with these helpful guides:

How does Touch ID work? 

First, enable touch authentication on your mobile device (Touch ID on Apple devices and Fingerprint Login on Android devices). Once enabled, you can setup this feature by opening our app, tapping Touch ID or Fingerprint below the Log In button, and then following the prompts.

What are the benefits of Touch ID? 

  • Enhanced Security
    • In addition to login credentials and device registration, touch authentication offers an extra layer of safekeeping using bio-metrics.
  • Uses a Physical Attribute
    • By requiring you to provide something unique to you (i.e. your fingerprint) you will go through all three factors of a true multi-factor authentication: knowledge, possession, and physical attribute.
  • Convenience
    • Once you have enrolled and authenticated your fingerprint, logging in is quick and easy.

Do you support Windows or Blackberry phones? 

No. We currently do not support these devices.

Mobile Check Deposit Questions

Is Mobile Check Deposit secure? 

Depositing a check on your phone or tablet is just as secure as handing it to your local teller. Check images are not stored on your device and encryption masks your sensitive information. Like all approved funds deposited into your First Bank account, deposits are insured up to the applicable FDIC limit and our security process monitors incoming checks to ensure no fraud is taking place and our customers are protected.

Is there a fee to use Mobile Check Deposit? 

  • Personal accounts: there is no charge to use mobile check deposit.
  • Business accounts: the first 5 checks deposited per statement cycle are free, then there is a $0.75 fee for each additional transaction.

Please note for all accounts: your mobile carrier’s standard data usage rates apply.

Can you deposit checks through your tablet? 

Absolutely! Just like your smartphone, we have an app for your tablet that lets you snap pictures of your checks and deposit them.

How do I know I deposited a check successfully? 

Two things will happen when you deposit a check successfully. First, you will see a screen pop up that says Deposit Successful after you submit the check in our app. Next, you will receive a confirmation email that the mobile check deposit was received.

How will I know when the deposited check has been approved? 

Like the “Deposit Successful” email confirmation, you will receive a second email confirming the check was Approved or Denied. Customers can expect this email by the end of the day of deposit (if a business day).

How many checks and how much money can I mobile deposit each day? 

Deposit as many checks as you like! There are no limits for the number of deposits you can make per day. However you cannot exceed the per item or monthly deposit amount limits listed below.

  • Personal Account
    • Per Item Limit – $2,000
    • Monthly Limit* – $4,000
  • Business Account
    • Per Item Limit – $2,500
    • Monthly Limit* – $10,000
*Limits are per any 25 consecutive business days. These limits are for illustrative purposes only. Your actual limit may vary based on your account type, transaction history, overall banking relationship, and other factors determined by First Bank. Limits are subject to change without notice.

When will my deposits be available? 

Funds deposited using Mobile Check Deposit will generally be made available next business days after the day of deposit. However, availability of funds deposited may be delayed for a longer period under certain circumstances. Deposits received and accepted by 6:00 p.m. ET on a business day we are open are considered to be received that day. Deposits received after 6:00 p.m. ET will be received on the next business day.

Deposits are subject to verification and will not be available for immediate withdrawal. Deposits made using Mobile Check Deposit are not subject to the funds availability requirements of Regulation CC.

What types of checks can I deposit using Mobile Check Deposit? 

The following check types can be submitted using Mobile Check Deposit:

  • Personal checks payable to you
  • Business checks payable to you
  • Checks drawn from a United States bank

The following check types should not be submitted using Mobile Check Deposit:

  • Traveler’s checks
  • Savings bonds
  • Money orders
  • Federal government checks
  • Foreign checks
  • Checks payable to any person or entity other than you

How should I endorse the check? 

The back of each check should include:

  1. The payee’s signature, and
  2. The words “For Mobile Deposit Only”
PLEASE NOTE: If the back of the check is not properly endorsed, First Bank reserves the right to reject the check for deposit.

What should I do with the check once it has been submitted for Mobile Deposit? 

Securely store the check for 30 days after transmission to us. In the event of deposit dispute, we may require presentation of the original check(s) within 2 business days. After 30 days, please mark the check as “VOID” and shred the check and dispose of the check accordingly.

Bill Pay Questions

What are the device and browser requirements for Bill Pay? 

Please make sure your operating system and browser meet the Bill Pay System Requirements.

I use Apple's Safari browser but I'm having problems with Bill Pay. What should I do? 

First, make sure your browser is up to date and meets the Bill Pay System Requirements. If you’re still having problems, follow the steps below.

  1. While in the Safari browser, click “Safari” in the top-left corner of the window.
  2. Select “Preferences” from the dropdown menu.
  3. In the Preferences window, select “Privacy”.
  4. Under “Cookies and website data”, check the “Always allow” checkbox.
  5. Close the browser and reopen.

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