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If you can’t find an answer to your question here, please call our Customer Service at 601-684-2231 or 800-918-2856 or reach out to your local branch here.

Personal Banking

How can I get the current rates on products offered by First Bank?

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.

How can I set up direct deposit to my account?

To set up direct deposit (ACH) to your First Bank 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.

What is First Bank’s Routing/Transit or ABA number?

065303386

How do I change my address or phone number?
You can update your phone number and email address by logging into your First Bank Online Banking account. From the Home Page, select the ‘Options’ tab and the ‘Personal’ submenu to update your personal information. You can also change your email address or phone number by calling 601-684-2231 or 800-918-2856 or by visiting any branch location. Because we require a signature to change your mailing address, we ask that you visit one of our branches to submit a written request for an address change.
How can I send a wire transfer?

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.

What information do I need to send a wire transfer?

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.

How can I receive a wire transfer?

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.

Checking & Savings Accounts

What types of overdraft protection does First Bank offer?

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 declined or returned to the payee. 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.

How can I set up overdraft protection on my checking or money market account?

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.

How can I place a stop payment?

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.

Debit & Credit Cards

How do I apply for a First Bank credit card?
To apply for a First Bank Visa Business Card for business, commercial, or agricultural use, please click the following link, Visa Business Card Application, to view and print an application. Once completed, please visit the branch location nearest to you to submit the application to one of our lenders for review. The lender will contact you with a credit decision once the review process is complete.

If you wish to apply for a First Bank credit card for personal, family, or household use, please visit our LoanWebCenter to start the online application process. Simply follow the prompts to complete and submit the application for review. One of our lenders will reach out to you with a credit decision or to request additional information if needed.

Why was I assessed an ATM Transaction Fee or ATM Service Charge?

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 at First Bank ATM locations.

How can I report a lost or stolen debit card?

During banking hours, stop by a First Bank Branch Office. or contact us at 601-684-2231. 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 stop future transactions with Card Freeze via the First Bank (MS) On the Go mobile app.

What is Card Freeze?

First Bank’s Card Freeze provides you with enhanced Debit Card security. Instantly turn ON or OFF your First Bank Debit Card from receiving ATM transactions or new purchases using your mobile device. **

Card Freeze instantly allows you to:

View Debit Card Status
Report a Lost or Stolen Debit Card
Activate a New or Replacement Debit Card

Card Freeze is available through your convenient First Bank On the Go Mobile App. Click here to learn more about our easy-to-use app for your Android, iPhone, and iPad devices.

*If you have a joint account holder, their debit card won’t be affected since they manage it separately.

**Mobile Internet data charges may apply as well as text messages charges. Contact your mobile service provider for details.

How can I get a replacement debit card?

During banking hours, stop by one of these First Bank locations – McComb Main Branch Office, Brookhaven Brookway Branch, Edgewood Mall, Hattiesburg Midtown, West Hattiesburg, Madison, Monticello, Liberty, Magnolia and Summit, or contact us at 601-684-2231. First Bank offers convenience to our customers, instantly! Simply walk into one of the branches listed here 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.

What is an Electronic Fund Transfer (EFT)?

EFTs include: 1) transfers through automated teller machines (ATMs); 2) point-of-sale (POS) terminals; 3) automated clearinghouse systems (ACH); 4) telephone bill-payment plans in which periodic or recurring transfers are contemplated; 5) remote banking programs, such as online banking and mobile banking; 6) remittance transfers, such as international wires.

What is an unauthorized EFT?

An unauthorized EFT is an electronic fund transaction from your account initiated by a person other than you without actual authority to initiate the transfer and from which you received no benefit. An unauthorized EFT does not include an EFT initiated in any of the following ways: 1) by a person who was furnished the access device (card, code, or other means) to your account by you, unless you previously notified us that transfers by that person are no longer authorized; 2) fraudulent intent by you or any person acting in concert with you; or 3) by the financial institution or its employee.

How can I initiate a dispute of a potential unauthorized Electronic Fund Transfer (EFT)?

You may call 601-684-2231 to verbally dispute a potential unauthorized EFT. However, if you want us to provisionally credit your account while we research your dispute, you must provide your dispute to us in writing within 10 days of reporting to us verbally. To provide your dispute in writing, please visit one of our branch locations. After our research, we will report the results of our investigation. If we determine the EFT was authorized and no error occurred, we will report those results to you in writing. Alternately, if we determine the EFT was unauthorized, we will correct the error, and report those results to you either verbally or in writing.

How can I change my Debit/ATM PIN?

PINs can be changed in the following First Bank locations: McComb Main Branch Office, Brookhaven Brookway Branch, 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 for assistance changing your PIN. You can also change your PIN at any First Bank ATM if you know your current PIN number.

I cannot see my closed account online and would like to get a statement. How can I go about getting one?

Statements can be retrieved for you by our Account Services personnel at 601-684-2231.

How do I get a copy of my credit card statement?
Login to www.mycardstatement.com in 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.
How do I use CardVerifi?
First Bank’s CardVerifi fraud verification system provides you with enhanced security by actively monitoring Debit Card transactions for possible fraudulent activity based on transactions and trends. Click here to go to www.rediverify.com

FDIC Insurance Coverage

Are my deposits insured by the FDIC?
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.

How do I determine if all my deposits at First Bank are fully insured by the FDIC?

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.

Online Banking

This section has its own special set of questions and answers! Please click here to read more.

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