We’ve collected answers for the most Frequently Asked Questions on this page for easy reference. If your question isn’t answered here, please call a Customer Service Representative at (601) 684-2231 or at (800) 918-2856 or at any of our phone numbers listed under the Locations tab on the home page for offices other than the McComb Main Office.
FREQUENTLY ASKED QUESTIONS
Cash Management
Q. What is Cash Management Services?
A. First Bank Online Banking with Cash Management Services provide commercial clients with all of the great features of our Online Banking with the added capabilities to originate ACH transactions (including Direct Deposit of your employee's payroll), initiate domestic and foreign wire transfers, research and reporting, and other great features. First Bank Online Banking with Cash Management Services puts you in charge of your business accounts at your convenience 24 hours a day, 365 days a year.
Q. Can more than one user access the accounts for my business with Cash Management Services?
A. Yes. First Bank Online Banking with Cash Management Services provides administrative functionality that allows the designated account administrator to grant access to multiple users with customized access to specific features within your account. There is no limit to the number of users that can access your online account.
Q. Can wire transfer and ACH capabilities be setup with dual control?
A. Yes. The account administrator can restrict the capabilities of any user. With this ability dual control can be accommodated.
Q. What is the daily cut-off time for ACH initiations?
A. You can initiate ACH batches until 4:00PM Central Time, M-F, excluding weekends and bank holidays.
Q. What is Positive Pay?
A. Positive Pay is a measure businesses can take to prevent and detect check fraud such as altered checks, counterfeit checks, checks from stolen stock, and valid issued checks that were stolen. Businesses upload an issued items file and as checks are presented to First Bank for payment, if they do not match the issued file they are referred back to you to decide whether to pay the questionable item.
DebIt & CREDIT Cards
Q. Why was I assessed an ATM fee?
A. We may assess an ATM Transaction Fee or an ATM Service Charge to your account if you use your First Bank MasterCard® Debit Card or your First Bank Visa® Credit Card at an ATM not owned by First Bank. As stated on our Fee Schedule, there is an ATM Service Charge applicable to all cash withdrawals or balance inquiries made at foreign ATMs. To avoid this fee, cash withdrawals and balance inquiries should be made atFirst Bank ATM locations.
Q. How can I report a lost or stolen debit card?
A. During banking hours, stop by a First Bank Office or contact us at (601) 684-2231 or (800) 918-2856. After hours, please contact 1-866-546-8273, give the card center First Bank’s ABA # (065303386) with the last 4 digits of your card # (look on a receipt), plus other identifying information. You can also report a card lost or stolen using First Bank’s Card Freeze™ feature. Log in to Online Banking or the First Bank (MS) On the Go mobile app and from the landing page or Dashboard, click the link under Card Management.
Q. What is Card Freeze?
A. First Bank’s Card Freeze provides you with enhanced Debit Card security. Instantly deactivate your First Bank Debit Card via Online Banking or the First Bank On the Go mobile app if you suspect the card has been lost or stolen. If the card is found, instantly reactivate it for immediate use.
Q. How can I get a replacement debit or credit card?
A. During banking hours, stop by a First Bank Office or contact us at (601) 684-2231 or (800) 918-2856. First Bank offers convenience to our customers, instantly! Simply walk into a branch and, within seconds, receive a fully functioning, active payment card. Application is required. To protect our customers, we cannot fulfill online requests for replacement cards.
Q. How can I change my Debit/ATM PIN?
A. PINs can be changed at the followingFirst Bank locations: McComb Main Branch Office, Brookhaven, Brookway, Edgewood Mall, Hattiesburg Midtown, West Hattiesburg, Madison, Monticello, Liberty, Magnolia and Summit. If one of these locations are not convenient to you, please call (601) 684-2231 or (800) 918-2856 for assistance changing your PIN. You can also change your PIN at any First Bank ATM if you know your current PIN number.
Q. I cannot see my closed account online and would like to get a statement. How can I go about getting one?
A. Statements can be retrieved for you by our Account Services personnel at (601) 684-2231 or (800) 918-2856.
Q. How do I get a copy of my credit card statement?
A. Login to www.mycardstatement.comin order to obtain a duplicate copy of your credit card statement or call Account Services (601) 684-2231 or (800) 918-2856 to have a duplicate credit card statement mailed to you.Card Verifi™
Q. What does Card Verifi™ Fraud Verification Alerts do for me?
A. Debit card fraud has become a significant issue for financial institutions and their customers. First Bank utilizes the Card Verifi™ Fraud Verification System to monitor your card for potential fraudulent activity that can be costly and disruptive to your finances. If we identify a transaction that may indicate fraud, we will reach out to you to accept or reject the transaction. If the transaction is accepted by you, your card remains active as normal. If the transaction is denied by you, your card may become disabled to prevent further fraudulent transactions.
A. Debit card fraud has become a significant issue for financial institutions and their customers. First Bank utilizes the Card Verifi™ Fraud Verification System to monitor your card for potential fraudulent activity that can be costly and disruptive to your finances. If we identify a transaction that may indicate fraud, we will reach out to you to accept or reject the transaction. If the transaction is accepted by you, your card remains active as normal. If the transaction is denied by you, your card may become disabled to prevent further fraudulent transactions.
Q. What makes a transaction appear suspicious and generate an alert from Card Verifi™?
A. Our Card Verifi™ Fraud Verification System encompasses multiple strategies driven by current fraud trends. We look at many variables when determining that a transaction is suspicious and potentially fraudulent (for example, dollar amount and rate of transactions, merchant type and location).
Q. How do I enroll for the Card Verifi™ Verification System alerts?
A. All First Bank Debit Cardholders are automatically enrolled to receive alerts of possible fraud by telephone and email. Additional enrollment is required to receive alerts by text message (Text keyword fbprotect to 47334) or click here. In order to guarantee timely delivery of notifications, it is very important that First Bank has your current telephone number and email address in our system.
Q. How will the Card Verifi™ Fraud Verification System contact me?
A. The Card Verifi™ system uses multiple forms of notification. Primary methods of notification will come by telephone and email. Text alerts are available and you must enroll your phone in order to receive them. If you do sign up for text alerts, you will receive an email and text notification. In order to guarantee timely delivery of notifications, it is very important that First Bank has your current contact information in our system.
Q. How long should it take to receive a Card Verifi™ notification?
A. Alerts typically arrive in real-time, however, it could be received within a few minutes, but timing may vary based on your home telephone, email, or mobile phone provider. The hours we will contact you by phone are 8:00 AM to 9:00 PM Central Time. Email and text notifications will arrive 24/7.
Q. What can I do with email notification?
A. Email notifications are strictly informational. Responses to possible fraudulent transactions can only be entered via telephone or text message.
Q. What valid SMS Messages can be used with Card Verifi™?
A. The following keywords may be sent to 47334:
FBPROTECT Enroll for Card Verifi™ text notifications
STOP Unsubscribe (Notifications will still be sent to telephone and email)
HELP Help with Card Verifi™
*Note: SMS messages are not case sensitive
FBPROTECT Enroll for Card Verifi™ text notifications
STOP Unsubscribe (Notifications will still be sent to telephone and email)
HELP Help with Card Verifi™
*Note: SMS messages are not case sensitive
Q. I enrolled for Card Verifi™ text notifications. How do I know I’m enrolled?
A. After texting keyword fbprotect to 47334, Immediately after You will receive the following message: “Card Verifi. Reply STOP to cancel, HELP for help or call 601-684-2231. Msg&Data rates may apply. Msg freq is recurring & based on activity. Welcome to Redi Verifi.”
Q. Why do I receive multiple messages with Pg1/2, Pg2/2?
A. Text messages are unique in that some mobile phone carriers can only hold 160 characters per text. Some commands require multiple messages to return all of the necessary information. In some cases, you may receive these alerts out of order. Please be sure to wait and review all messages before responding.
Q. Do I have to respond to each form of notification when receiving an alert from Card Verifi™?
A. No. You do not need to respond to each notification. Once you respond to one of them, your authorization, or non-authorization for that transaction will be recorded. The hours we will contact you by phone are 8:00 AM to 9:00 PM Central Time. Email and text notifications will arrive in real-time.
Q. Why did I get a phone call at 8:00 AM when I responded to an email notification after 9:00 PM the evening before?
A. The hours we will contact you by phone are 8:00 AM to 9:00 PM Central Time. Email and text notifications will arrive 24/7. If you receive a text notification and responded, you may still receive the telephone notification because it went into a queue and was held until 8:00 AM. You do not need to take any action with the phone call if you have responded through the text notification.
Q. What if I don’t have text messaging?
A. You are not required to enroll for text alert notifications, however, text messaging is required to receive text messages from this service. If your mobile phone is able to send and receive text messages, but you do not currently subscribe to this service, you will need to contact your mobile phone provider to add the text messaging feature to your mobile phone plan. Notifications from the Card Verifi™ Fraud Verification System can still be received by telephone and email.
Q. I don’t want calls to my home phone, and do not want to enroll in text messaging. Can I have the phone notifications come to my mobile phone number?
A. Yes. Please call us at (601) 684-2231 or (800) 918-2856 or visit our nearest First Bank location to change your phone number. You can also change your phone number via Online Banking or the First Bank (MS) On the Go mobile app. Please note that in doing so all contact from the bank through phone will be routed to your mobile phone.
Q. If other members of my household use the same phone number for contact, how will we know who the message is for?
A. Initial telephone contact will not be specific to a certain card. The last four digits of the card that has the possible fraudulent transaction will be disclosed during the transaction verification alert via telephone. In an effort to keep messages separate, each member of a household may want to provide their own primary number for calling purposes, such as a mobile number.
Q. Why was my transaction amount in my alert different than my actual purchase amount?
A. Some merchants pre-authorize transactions before the purchase is actually made. This is very common with pay-at-the-pump gas transactions and restaurants. Many times, the pre-authorization is for $0.00. In these instances, your Card Verifi™ message is showing the pre-authorization amount designated by the merchant instead of the actual transaction amount. This pre-authorization amount will not be posted to your account.
Q. What if my registered card had fraud?
A. If you confirm that your card has had a fraudulent transaction, your card may become disabled. You can also utilize Card Freeze from within the First Bank On the Go mobile app to suspend or 'turn off' your debit card. A representative will contact you to order a new card.
Q. What if I reject a transaction by mistake?
A. If you reject a transaction, the transaction will still occur, however, your card may become disabled from attempting any further transactions. You will receive a text message or email stating that your card has become disabled. You can utilize Card Freeze from within the First Bank On the Go mobile app to reactivate your debit card or call (601) 684-2231 or (800) 918-2856 for further assistance.
Q. Can someone at First Bank record my response to a possible fraudulent transaction?
A. Yes. If you cannot respond to a Card Verifi™ alert, you can call First Bank at (601) 684-2231 or (800) 918-2856 to record your response with one of our representatives. You can also call (866) 435-7172 from the phone number we have on file to record your response with our automated system.
Q. If my contact information changes, what do I need to do?
A. In order to receive alerts, please provide First Bank with your updated contact information by calling (601) 684-2231 or (800) 918-2856 or visit our nearest First Bank location. Once your information has been updated, you may need to re-enroll your card(s) in the Card Verifi™ system to receive notification by text. Your old number will no longer be enrolled once this is done.
Q. How much does it cost to use this service?
A. First Bank provides this protection service at no charge to the customer. However, standard text message and data rates assessed by your mobile carrier may apply.
Deposits
Q. How can I get the current rates on products offered by First Bank?
A. To obtain interest rates and annual percentage yields (APY) for Certificates of Deposit and other interest-bearing deposit accounts, please call (601) 684-2231 or (800) 918-2856 or visit one of our many branch locations to speak with a Customer Service Representative. To obtain interest rates and annual percentage rates (APR) for loan products, please call (601) 684-2231 or (800) 918-2856 or visit a branch location and ask to speak with a loan officer.
Q. How can I set up direct deposit to my account?
A. To set up direct deposit (ACH) to your account, contact your employer or the company facilitating the deposit to initiate the transaction. You may also follow instructions and use the forms in our Switch Kit information found on this website.
Q. What is First Bank’s Routing/Transit or ABA number?
A. 065303386
Q. How do I change my mailing address?
A. Address change requests may be submitted in person by visiting your local First Bank branch or by logging into First Bank Online Banking or the First Bank On the Go Mobile App.
To submit a request via First Bank Online Banking: Log into Online Banking. From the “Dashboard”, click the drop-down arrow next to your name in the bottom, left corner of the webpage. Click “Settings”, then “Profile”, and finally “Edit address”. You may be prompted to confirm your password in order to continue. After confirming the password, enter your new mailing address, and click “Save”. Your mailing address will be updated after we verify and approve the change request.
To submit a request via the First Bank On the Go Mobile App: Log into the mobile app. From the landing page, click the “hamburger menu” (three horizontal bars) in the top right corner of the page. In the bottom left corner of the page, click the drop-down arrow next to your name, and select “Settings”. Click the right-facing arrow next to your profile, and select “Edit” next to the address you wish to change. You may be prompted to confirm your password. After confirming the password, enter your new mailing address, and click “Save”. Your mailing address will be updated after we verify and approve the change request.
Q. How do I change my email address or phone number?
A. The instructions for changing your email address and/or phone number are the same as the above instructions for changing your mailing address. However, changes to your email address and/or phone number submitted via First Bank Online Banking or the First Bank On the Go Mobile App are immediate.
To submit a request via First Bank Online Banking: Log into Online Banking. From the “Dashboard”, click the drop-down arrow next to your name in the bottom, left corner of the webpage. Click “Settings”, then “Profile”, and finally “Edit email” or “Edit phone numbers”. You may be prompted to confirm your password in order to continue. After confirming the password, enter your new contact information, and click “Save”.
To submit a request via the First Bank On the Go Mobile App: Log into the mobile app. From the landing page, click the “hamburger menu” (three horizontal bars) in the top right corner of the page. In the bottom left corner of the page, click the drop-down arrow next to your name, and select “Settings”. Click the right-facing arrow next to your profile, and select “Edit” next to the email address or phone number you wish to change. Enter your new contact information, and click “Save”.
A. You can request an outgoing wire transfer by visiting a Customer Service Representative at any of our branch locations.
*Fees may apply for outgoing wires.
Q. What information do I need to send a wire transfer?
A. The person or business to whom you are trying to send a wire should provide you with wiring instructions that include their name, physical address, and bank account number along with the receiving bank’s name, address, and routing or ABA number.
*Fees may apply for outgoing wires.
Q. How can I receive a wire transfer?
A. You will need to provide the sender of the wire with your name, physical address, and bank account number along with First Bank’s name, address, and routing or ABA number. If the wire is coming from another country, please call (601) 684-2231 or (800) 918-2856 for our foreign wiring instructions.
Q. What types of overdraft protection does First Bank offer?
A. The best way to protect your account from overdrafts and overdraft fees is to keep track of your account balance and transactions. However, if there is ever a time when you lose track of the amount of money available in your account, First Bank offers several options to cover an occasional overdraft.
If you have an eligible First Bank checking account that is in good standing according to our internal standards, you may have access to the discretionary, standard overdraft practices that come with our Bounce Protection program. For a per item fee, the service allows us to cover overdrafts caused by checks, ACH debits, and recurring debit card transactions. Any overdrafts that are paid are done so at our sole discretion which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be returned to the payee, and you may incur a Returned Overdraft Item fee for the return. If the returned item is represented for payment multiple times, you may incur a Returned Overdraft Item fee for each presentment. You may opt out of the Bounce Protection program at any time.
Other least costly overdraft protection options include: 1) a Sweep Transfer which involves linking your checking account to another First Bank deposit account such as a savings or money market account or 2) a line of credit in the form of a Home Equity Line of Credit (HELOC) or a First Class Account.
For more information about any of these services, please call (601) 684-2231 or (800) 918-2856 or visit one of our branch locations.
*Fees may apply for all services. The number of transfers allowed from a savings or money market account may be limited and additional fees/consequences for exceeding this limit may apply. HELOC and First Class Accounts are subject to credit approval and interest charges may apply. Interest rates and Annual Percentage Rates (APR) are subject to change.
Q. How can I set up overdraft protection on my checking or money market account?
A. The discretionary, standard overdraft protection practices that come with our Bounce Protection program are automatically available to any accountholder with an eligible checking account that is in good standing according to our internal standards. It is important to remember that we pay overdrafts at our sole discretion, and we do not guarantee that we will authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined or returned to the payee. You may opt out of the Bounce Protection program at any time by calling (601) 684-2231 or (800) 918-2856 or by visiting one of our branch locations.
A. The discretionary, standard overdraft protection practices that come with our Bounce Protection program are automatically available to any accountholder with an eligible checking account that is in good standing according to our internal standards. It is important to remember that we pay overdrafts at our sole discretion, and we do not guarantee that we will authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined or returned to the payee. You may opt out of the Bounce Protection program at any time by calling (601) 684-2231 or (800) 918-2856 or by visiting one of our branch locations.
To link your checking account to a funding account such as a savings or money market account, please visit one of our many branch locations and ask to speak with a Customer Service Representative. To apply for a Home Equity Line of Credit (HELOC) or First Class Account, please visit one of our full service branch locations and ask to speak to a loan officer regarding the application process.
*Fees may apply for all services. The number of transfers allowed from a savings or money market account may be limited and additional fees/consequences for exceeding this limit may apply. HELOC and First Class Accounts are subject to credit approval and interest charges may apply. Interest rates and Annual Percentage Rates (APR) are subject to change.
Q. How can I place a stop payment?
A. You may request stop payment services for a check that has not already been accepted by First Bank for processing. To place a stop payment online, log in to online banking and select the appropriate account from the Accounts tab. Click on Stop Payments from the menu header and complete the requested information, then click submit. You may also request a stop payment by contacting your Customer Service Representative. A stop payment will be in effect for 6 months only with a signed copy on file, from the date accepted. A fee will also be charged to your account.
Q. Are my deposits insured by the FDIC?
A. FDIC insurance covers all types of deposits received at First Bank, including deposits in a savings account, checking demand deposit account (DDA), negotiable order of withdrawal account (NOW), money market deposit account (MMDA), time deposit accounts such as a certificate of deposit (CD), and official items issued by a bank, such as a cashier’s check or money order.
FDIC insurance covers depositor’s accounts dollar-for-dollar, including principal and any accrued interest. The standard insurance amount is $250,000 per person, per bank, per ownership category. FDIC does not insure other financial products and services that banks may offer, such as safe deposit boxes, stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these financial products are obtained or purchased at First Bank.
Q. How do I determine if all my deposits at First Bank are fully insured by the FDIC?
A. To determine your deposit insurance coverage or ask any other specific deposit insurance questions, call 1-877-ASK-FDIC (1-877-275-3342). You can also “Ask EDIE”, by using the FDIC’s Electronic Deposit Insurance Estimator (EDIE) on the FDIC’s website (www.fdic.gov). In order to accurately calculate your insurance coverage, you will need to know: 1) the names on each account 2) ownership category of each account 3) the current balance of each account 4) the accrued interest of each account.
Electronic Banking Services
eStatements
A. eStatements allow you to receive your statements and notices electronically versus postal mail. It is a free service offered to First Bank customers. eStatements are secure and password protected, allow electronic recordkeeping, and reduce the risk of account information getting lost or stolen in the mail.
Q. How do I access eStatements?
Once you are in the eBanking site, you will see the eStatements tab, click on it and you will be able to view your accounts that were enrolled in eStatements.
NOTE: You will not see any previous statements for these accounts, you will have to wait for your statement or notice to generate. eStatements will keep 18 months of statements. You will be able to save these documents to your computer or other media to retain for your records.
Q. Who do I contact for eStatement support?
A. Call or speak to Account Service area or a member of the eBanking team at (601) 684-2231 or (800) 918-2856, or a Customer Service Representative in your local branch office during regular business hours.
Bill Pay
Q. What is Bill Payment?
A. First Bank Online Banking Bill Payment allows you to easily schedule pay your recurring or one-time only bill payments online. Payments are sent electronically or by check remittance to any business or person within the United States.
Q. Can I sign up for Bill Payment and not have Online Banking?
A. No. Bill Payment works in conjunction with Online and Mobile Banking.
Q. How many payees am I able to set up?
A. There is no limit to the number of payees you can have.
Q. When and how are payments processed?
A. There are two types of payment – ELECTRONIC and CHECK.
- ELECTRONIC payments are processed on the date specified for payment
- CHECK payments are printed and mailed on the date specified for payment
Allow 2-3 business days from the date specified for payment for electronic payments to reach the Payee, and 4-6 business days for payments made by check to reach the Payee.
- Electronic Payees are vendors who accept ACH payments and are already established in our Electronic Payee database.
- Check Payees are individuals or businesses not found in our Electronic Payee database and therefore must receive a check through the mail.
Q. Can I edit payee information?
A. For payees receiving Check Payments you may edit any of the payee information. For payees receiving an electronic payment you can edit the account number or alias only. To edit other information, you will have to delete the payee and set them up as a new payee.
Q. Can I delete a payment?
A. You may edit or delete any payment up until midnight the day before the scheduled payment date.
Q. What will happen if I do not have enough money in my account?
A. CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on for processing. If the funds are not available, the payment will not be processed. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on for processing. If the funds are not available, the payment will not be processed. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
LOANS
Q. What loan products does First Bank offer?
A. First Bank offers the following loan products:
- Commercial and Industrial Loans
- Commercial Real Estate Loans
- Construction Loans
- First Bank offers both secured and unsecured loans for personal use based on the needs of our clients (this includes mortgage products)
Contact us at (601) 684-2231 or (800) 918-2856 (or other office numbers listed on our website’s Locations tab) for more information on our loan programs.
Online and Mobile Banking
Q. What is Online Banking?
A. First Bank Online Banking offers our clients secure access to their First Bank accounts anytime, anywhere via an Internet connection.
A. First Bank Online Banking offers our clients secure access to their First Bank accounts anytime, anywhere via an Internet connection.
Q. Do I have to register to use Online Banking?
A. Yes. A one-time application is required to sign up for Online Banking. Once this form is received by the bank with account information, we will issue an Online Banking ID and PIN (personal identification number). Upon your first visit to our Online Banking site you will be asked to select a new PIN of your choice and that PIN will be used whenever you access First Bank Online Banking.
Q. What do I need to access Online Banking?
A. You will need a secure Internet connection, and a Web Browser. We recommend using the most current version of Google Chrome or preferred browser for maximum viewing results.
Q. Do I have the ability to change my Online Banking ID and PIN?
A. Yes. You can change your Online Banking ID and PIN as often as you choose. From the Online Banking Home Page select the ‘Settings’ Tab and follow the prompts on the ‘Personal’ screen.
Q. What should I do if I think someone has my Online Banking login information?
A. First, login to Online Banking and change your Online Banking ID and PIN immediately. From the Online Banking Home Page select the Settings Tab and follow the prompts on the ‘Personal’ screen. Then contact First Bank Customer Service Representative at (601) 684-2231 (800) 918-2856 between 8:30AM and 4:30PM Central Time Monday through Friday, excluding Holidays.
Q. What happens if I forget my PIN or get locked out of Online Banking PIN?
A. Our system will automatically lock out users when an incorrect PIN is entered multiple consecutive times.
We do not have access to your current PIN information.
If you are locked out, please contact a First Bank Customer Service Representative at (601) 684-2231 (800) 918-2856 between 8:30AM and 4:30PM Central Time Monday through Friday, excluding Holidays.
If you have an Online Banking account without treasury management services functionality, you can click the Reset PIN Link on the Login screen. To enable this feature, you must first establish a ‘PIN Reset Question’ and a ‘PIN Reset Answer’ as well as verify or update your valid email address in the ‘Personal’ section under the ‘Settings’ tab.
Q. How do I clear my browser's cache?
A. Your Internet browser will try to remember your logged in session. From time to time you may experience an issue logging on to your online account due to caching issues. To remedy the problem, you can clear the cache on your browser. Below are instructions for three of the most widely used browsers:
Chrome
Click the three vertical dots icon in the top-right corner of the screen. Go to Settings. Find the ‘Privacy and security’ option, and then click “Clear browsing data”. Select checkbox for Cached images and files’ and click “Clear Data.”
Edge
Click the three horizontal dots icon in the top-right corner of the screen. Go to Settings. Find the “Privacy, search, and services” option. Click “Choose what to clear” and select the checkbox for “Cached images and files”. Click “Clear Now.”
Firefox
Click the three-lined menu icon in the top-right corner of the screen. Go to “Options”. Under “Privacy and security”, scroll down to the “Cookies and Site Data” section. Select “Clear Data”. Select the checkbox next to “Cached Web Content” and then select “Clear”.
For additional support, contact First Bank.
Q. Do I have the ability to change my email address connected to my Online Banking account?A. Yes. From the Online Banking Home Page select the ‘Options’ Tab and then the ‘Personal’ submenu. In the ‘Modify Personal Settings’ section, under your current listed email address, enter a new email address. Next, re-enter the new email address and click Submit at the bottom of the screen.
Q. Do I have the ability to change my personal Watermark image connected to my Online Banking account?
A. Yes. From the Online Banking Home Page select the ‘Options’ Tab and then the ‘Personal’ submenu. In the ‘Modify Personal Settings’ section, click on the current Watermark picture to change. Browse through the picture options, click on your new desired picture, and click Submit at the bottom of the screen.
Q. Can I change the First Bank designated names of my account(s) to a nickname or pseudo name?
A. Yes, From the Online Banking Home Page select the ‘Options’ Tab and then the ‘Account’ submenu. Under the heading ‘New Account Pseudo Names’ enter the desired account name in the box next to the appropriate account. Reminder – For security purposes you should never use your actual account number as the account name.
Q. Can I change the order in which my accounts display in Online Banking?
A. Yes, From the Online Banking Home Page select the ‘Options’ Tab and then the ‘Account’ submenu. Click and drag the account which you would like to move up or down in the account display order. The account will highlight with a blue bar. While the account is highlighted scroll the account up or down until you reach the desired display order location. “Drop” the account in the new location. The account display order is now updated!
Q. How do I set up Online Banking Alerts?
A. You can receive alerts via email, text, and/or at login. Selecting the 'Alerts' option from the 'Options' Tab will bring up the Alerts Listing screen. To set up an Alert click on either “Edit Event Alerts”, “Add Balance Alert”, “Add Item Alert”, or “Add Personal Alert”. Select the desired alerts or enter the requested information to establish an alert, and choose Email, Text, and/or At Login and click Submit. When an alert event is triggered, you will receive an email, text and/or it will appear on the home page of your online banking account to view when you login.
- Event Alert Options: Alerts triggered by a transaction event such as an incoming/outgoing ACH or Wire, a Positive Pay item to work, a CD has matured, a bill has paid, etc. These alerts will remain active until edited by the User.
- Balance Alert Options: Choose per account to be alerted if a balance has gone above or below an amount you designate. These alerts will remain active until edited by the User.
- Item Alert Options: An alert to notify you of a particular check clearing your account. These alerts will automatically delete when the activity occurs.
- Personal Alert Options: Free form text alerts will appear on the selected date. These alerts will automatically delete after the alert has occurred.
Q. How current is the account information I access through Online Banking?
A. Account transactions are real-time and change during the day as you process various transactions. If you make a deposit with a Teller, it will be immediately reflected in First Bank Online Banking.
Q. What is the difference between current balance and available balance?
A. The current balance reflects all transactions which posted to your account by the end of the prior business day. The available balance is funds which you can use immediately. Examples of items which may affect the available balance are; holds on funds, in process transactions, sweeps, pending debit card transactions, and over-the-counter deposits.
Q. What if I open a new First Bank account and I want to access it online?
A. New accounts may not automatically appear in Online Banking. After 24-48 hours, if you do not see your new account on the system, please contact the First Bank Customer Service Representative who opened your account or call (601) 684-2231 or (80) -918-2856 and ask to have the account added to your profile. You must be an owner of the account to have it added to your profile.
Q. Can I view my check images online?
A. Online Banking gives you the ability to view and print your check images along with your deposits (deposit slip and items deposited) online. Just click on the check number and you will see an image of your check. You can “flip” the check to look at the reverse side for endorsement information. Check images are available online for 90 days past your last statement date.
Q. Can I make a deposit to my First Bank Account using my home or office flatbed scanner?
A. No, not currently.
Q. Can I make a deposit to my First Bank Account using my smart phone or mobile device?
A. Yes. On the Go Deposits is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad upon application approval.
Q. Can I place a stop payment on a check online?
A. Yes, you can place a stop payment for a check that has not already been accepted by First Bank for processing. To place a stop payment online, log in to online banking and select the appropriate account from the Accounts tab. Click on Stop Payments from the menu header and complete the requested information, then click submit. Stop Payments become ineffective in 14 days if signed Stop Payment is not received by the Bank in that time frame and in 6 months from the date accepted if signed Stop Payment is received.
Q. Can I make a payment to my First Bank loan?
A. Yes, you can transfer funds from your First Bank checking or savings account(s) to your First Bank loan account to make a regular loan payment. Funds will be applied to any outstanding statements; satisfying the oldest statement first. Any remaining funds will be applied directly to principal. If there are no outstanding statements, all funds will be applied directly to principal.
Q. What financial software or formats can I download to?
A. You can download transactions (up to 90 days) from First Bank Online Banking to Quicken (.QFX), QuickBooks (.QBO), Spreadsheet (.CSV) and Word Processing (.TXT).
Q. Why is there a one-dollar transaction on my account?
A. Some merchants will pre-authorize a debit or credit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process typically takes 2-3 business days.
Mobile Banking
Q. Does First Bank offer Mobile Banking?
A. Yes. The First Bank (MS) On the Go app is available for download to your Android, iPhone, and iPad devices. First Bank’s mobile banking website can be accessed from any device with a web browser that allows secure SSL traffic.
A. Yes. The First Bank (MS) On the Go app is available for download to your Android, iPhone, and iPad devices. First Bank’s mobile banking website can be accessed from any device with a web browser that allows secure SSL traffic.
Q. What is mobile banking?
A. Mobile banking allows you to access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. Standard message and data rates may apply from your mobile service provider. Please consult your service provider for details on specific fees and charges that may apply.
Q. How do I sign up for mobile banking?
A. Visit any First Bank location to complete an enrollment form or please contact a customer service representative at (601) 684-2231 or (800) 918-2856.
Q. Is there a mobile banking app for my iPhone or Android smartphone?
A. Yes. The First Bank (MS) On the Go app is available for download to your iPad and iPhone or Android smartphone. Simply search for First Bank (MS) On the Go in order to successfully locate the app.
Q. Will I be able to use the First Bank (MS) On the Go app immediately after downloading?
A. Yes. However, you must complete the setup of your mobile settings through First Bank Online Banking. Once these steps are complete, you should have full access to the First Bank (MS) On the Go mobile app.
Q. Can I make a deposit to my First Bank Account using my smart phone or mobile device?
A. Yes. On the Go Deposits is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad.
Q. What is On the Go Deposits?
A. On the Go Deposits is a new, convenient way to deposit your check without a trip to the Bank! With On the Go Deposits, you can now safely deposit your check electronically with your First Bank (MS) On the Go iPhone, iPad or Android app.
Q. How do I apply for On the Go Deposits?
A. On the Go Deposits is available to qualified customers who have applied for and been approved for this service. An enrollment form must be completed at your nearest branch in order to request access for On the Go Deposits.
Q. Once I have been approved how do I begin using On the Go Deposits?
A. Once you have been notified that you have been approve follow these steps:
- Download the latest First Bank (MS) On the Go mobile banking app from the App Store, or from Google Play Store.
- Log into your Online Banking with your existing User ID and PIN.
- Select Deposits, then Deposit a Check
- Take a picture of the front & back of your endorsed check with your phone’s camera (Restrictive Endorsement Required)
- Enter the check amount, select the account
- Submit your image and information
Q. What accounts are eligible for use with On the Go Deposits?
A. Once you are enrolled in On the Go Deposits you may make mobile deposits into the First Bank account you listed on your application.
A. Once you are enrolled in On the Go Deposits you may make mobile deposits into the First Bank account you listed on your application.
Q. Are there transaction limits with On the Go Deposits?
A. Yes, there are daily and monthly transaction limits for items and amount deposited.
Q. How will I know my deposit was processed correctly?
A. You will receive two types of notification that your deposit has been submitted. First, a pop-up message will appear confirming your transaction. You will also receive an email from OntheGoDeposits@FirstBankMS.Com confirming your transaction. Important Note: If you do not receive an email confirming your transaction, check your SPAM folder and take steps to ensure that future emails from this address are not blocked. Check your account history to determine if your deposit successfully posted.
Q. When are the funds deposited electronically with On the Go Deposits available in my account?
A. Successfully submitting your check images with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. If you received notification prior to 4 PM CST and your deposit is approved, First Bank will credit the depositing account on the day of receipt. All approved deposits received after 4 PM CST, will be credited to the account on the next business day. Any deposit made after 4 PM CST, Friday through Sunday will be posted and available to you the next business day. If your deposit is declined, we will email you the notice the day the deposit was submitted. Deposits may be subject to additional case by case or exception holds. Please refer to the Bank's Funds Availability Policy for more information.
Q. What should I do with the check I just deposited?
A. After successfully submitting a deposit with On the Go Deposits, we recommend you keep your check in a safe place until the deposit(s) have been confirmed. You should keep it for 10 days after deposit then destroy it. This provides sufficient time in case the original item is required for any reason.
Q. Are there limitations on checks deposited with On the Go Deposits?
A. There are certain limitations which apply:
- Checks must be made payable only to you. Joint checks or checks made payable to Cash must be properly endorsed.
- Checks must be endorsed ‘Mobile Deposit to First Bank’
- Checks must not be altered on the front of the check in any way.
- Checks must have an authorized signature.
- Money Orders, Checks drawn on the US Treasury, Travelers Checks, Convenience Checks, and
- Cashiers’ Checks are not permitted with On the Go Deposits
- Other limitations may apply. Please see the Mobile Banking Agreement and Addendum to Mobile Banking Agreement – Mobile Remote Deposit Anywhere
Q. Can I turn On and Off my debit card using my smart phone or mobile device?
A. Yes. Card Freeze is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad. Card Freeze allows you to deactivate your First Bank Debit Card from receiving ATM transactions and new purchases. It also allows you to report your First Bank Debit Card lost or stolen.
A. Yes. Card Freeze is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad. Card Freeze allows you to deactivate your First Bank Debit Card from receiving ATM transactions and new purchases. It also allows you to report your First Bank Debit Card lost or stolen.
Q. Can I activate my new/replacement debit card using my smart phone or mobile device?
A. Yes. Card Freeze is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad. Card Freeze allows you to activate your new/replacement First Bank Debit Card.
Q. Can I add a new Bill Payment Payee via mobile banking?
A. Yes, you can.
Q. What happens if I lose my mobile device or I get a new phone?
A. Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your First Bank Online Banking mobile settings and make any changes to the wireless provider and/or phone number.
Q. What if I can't get mobile device to work with First Bank Online Banking?
A. There are several reasons that you may experience trouble accessing the mobile version of online banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements.
- Your mobile device must be web enabled
- Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)