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26,600 +. Quickteller Paypoint agents enabled across Nigeria. 190,000 +. Active businesses transacting daily. 22,000,000 +. Cards activated on the Verve. First Bank of Nigeria Limited (FirstBank) is a Nigerian multinational bank and financial services company headquartered in Lagos Nigeria. Godwin Emefiele, governor of the Central Bank of Nigeria (CBN), on Thursday and chief executive officer of First Bank of Nigeria Limited.

Www firstbank com ng -

First Bank of Nigeria

Nigerian multinational bank

First Bank of Nigeria logo.png
TypePublic
IndustryFinance
Founded1894 (as Bank of British West Africa)
1979 (renamed First Bank of Nigeria)
Headquarters35 Marina, Lagos, Lagos State, Nigeria

Number of locations

Over 700 business outlets (2020)
ProductsFinancial services
RevenueIncreasePretax: N70,800,000,000

Operating income

N294,400,000,000

Net income

N62,700,000,000
Total assetsN5,900,000,000,000

Number of employees

16,000
Websitefirstbanknigeria.com

First Bank of Nigeria Limited (FirstBank) is a Nigerianmultinationalbank and financial services company headquartered in LagosNigeria.[1] It is the premier bank in West Africa with its impact woven into the fabric of society. First Bank of Nigeria Limited operates as a parent company in Nigeria, with the subsidiaries FBNBank in the Republic of Congo, Ghana, The Gambia, Guinea, Sierra-Leone and Senegal; FBN Bank UK Limited in the United Kingdom with a branch in Paris; FirstBank Representative Office in Beijing to capture trade-related business between geographies. FirstBank also operates First Pension Custodian Nigeria Limited, Nigeria’s foremost pensions custodian. The teeming customers of the FirstBank Group are serviced from a network of over 700 business locations across Africa. To promote financial inclusion and reach the unbanked and underbanked, FirstBank has an extensive Agent Banking network, with over 53,000 agent locations across Nigeria. The Bank specialises in retail banking and has the largest client base in West Africa, with over 18 million customers. For eight consecutive years (2011 - 2018) FirstBank received the Best Retail Bank in Nigeria award by The Asian Banker.

FirstBank has a The FirstBank Group employs over 16,000 staff and is proudly a multiple Best Place to Work awardee. It operates along four key Strategic Business Units (SBUs) – Retail Banking, Corporate Banking, Commercial Banking and Public Sector Banking. It was previously structured as an operating holding company before the implementation of a non-operating Holding Company structure (FBN Holdings) in 2011/2012.

Overview[edit]

As of December 2019[update], the Bank had assets totalling NGN5.9 trillion.[2] The Bank's profit before tax for the twelve months ending 31 December 2019 was approximately NGN70.8billion. FirstBank is wholly owned by FBN Holdings PLC, which in itself has diversified ownership, with over 1.3 million shareholders. The bank was founded in 1894 and is Nigeria’s oldest bank. It converted to a public company in 1970 and was listed on The Nigerian Stock Exchange (NSE) in 1971. However, as part of the implementation of the non-operating holding company structure, it was delisted from the NSE and replaced with FBN Holdings Plc. in 2012.

FirstBank has been named " Best Bank Brand in Nigeria" for six years in a row – 2011 to 2016 – by The Banker magazine of the Financial Times Group; it was awarded "Most Innovative Bank in Africa" in the EMEA Finance African Banking Awards 2014; it has clinched the “Best Bank in Nigeria” award by Global Finance Magazine 15 times and the “Best Private Bank in Nigeria” by World Finance Magazine seven times. Some other recent awards received by the Bank are “Best Banking Brand Nigeria, 2019” by Global Brands Magazine; “Best Mobile Banking App – Nigeria, 2019” by Global Business Outlook and “Best Financial Inclusion Program – Nigeria, 2019 by International Investor.

Subsidiaries[edit]

The subsidiaries of First Bank of Nigeria include the following:[3]

  • FBN Bank (DRC) Formerly Banque International de Credit (BIC) – Kinshasa, Democratic Republic of the CongoDemocratic Republic of the Congo – (75% shareholding) is a subsidiary of First Bank of Nigeria Limited, and was until September 2014 called BIC which was founded in April 1994[4]
  • FBN Bank (China) – Beijing, China China – representative office
  • FBN Bank (Ghana) – Accra, GhanaGhana – 100% shareholding[5]
  • FBN Bank (Guinea) – Conakry, GuineaGuinea – 100% shareholding
  • FBN Bank (Senegal) – DakarSenegal – 100% shareholding
  • FBN Bank (Sierra Leone) – Freetown, Sierra LeoneSierra Leone – 100% shareholding
  • FBN Bank (South Africa) – Johannesburg, South AfricaSouth Africa – representative office
  • FBN Bank (UAE) – Abu Dhabi, United Arab EmiratesUnited Arab Emirates – representative office
  • FBN Bank (UK) – London,[6] United Kingdom United Kingdom – 100% shareholding – savings products sold under FirstSave brand
  • FBN Bank (UK/Paris) – Paris, France France – a branch of the subsidiary in the UK
  • First Pension Custodian Limited
  • FBN Mortgages Limited
  • FBN Bank (Gambia)

FBN Holdings[edit]

In 2010, the Central Bank of Nigeria revised the regulation covering the scope of banking activities for Nigerian banks. The universal banking model was discontinued and banks were required to divest from non-core banking businesses or adopt a holding company structure. FirstBank opted to form a holding company, FBN Holdings Plc., to capture synergies across its already established banking and non-banking businesses. The new structure resulted in a stronger platform to support the group’s future growth ambitions domestically and internationally.

Bello Maccido, who was executive director (retail, north) of FirstBank, became the CEO of the new parent company. He retired effective from 31 December 2015 and was succeeded by Urum Kalu Eke Mfr (former executive director, South of FirstBank) as group managing director of the holding company. The shares of FBNHoldings are listed on The Nigerian Stock Exchange. The business groups of FBNHoldings are:

  1. Commercial Banking – includes First Bank of Nigeria Ltd and all its commercial banking subsidiaries: FBNBank (UK) Ltd with a branch in Paris, France, FBNBank DRC, FBNBank Ghana, FBNBank Gambia, FBNBank Guinea, FBNBank Sierra-Leone, FBNBank Senegal, First Pension Custodian Limited, FBN Mortgages Limited.
  2. FBNQuest – FBNQuest is the brand name of the Merchant Banking and Asset Management businesses of FBN Holdings Plc, which comprises FBNQuest Merchant Bank Limited, FBNQuest Capital Limited, FBNQuest Securities Limited, FBNQuest Capital Asset Management Limited, FBNQuest Trustees Limited, FBNQuest Funds Limited and FBN Capital Partners Limited.[7][8]
  3. Insurance – Insurance-related subsidiaries: FBNInsurance, FBN General Insurance and FBN Insurance Brokers. The business group offers life and general insurance services as well as insurance brokerage services.

As at 31 December 2015, the Group closed with gross earnings of N505.2 billion, total assets of N4.2 trillion and N578.8 billion in total equity.

History[edit]

Pre-independence[edit]

FirstBank commenced business in 1894 in what was then the British controlled areas, as the Bank of British West Africa.[9] The bank originally served British shipping and trading agencies in Nigeria. The founder, Alfred Lewis Jones, was a shipping magnate who originally had a monopoly on importing silver currency into West Africa through his Elder Dempster shipping company. According to its founder, without a bank economies were reduced to using barter and a wide variety of mediums of exchange, leading to unsound practices. A bank could provide a secure home for deposits and also a uniform medium of exchange. The bank primarily financed foreign trade, but did little lending to indigenous Nigerians, who had little to offer as collateral for loans.

Post-independence[edit]

After Nigeria's independence in 1960, the Bank began to extend more credit to indigenous Nigerians. At the same time, citizens began to trust British banks since there was an 'independent' financial control mechanism and more citizens began to patronize the new Bank of West Africa.

In 1965, Standard Bank acquired the Bank of West Africa and changed its acquisition's name to Standard Bank of West Africa. In 1969, Standard Bank of West Africa incorporated its Nigerian operations under the name Standard Bank of Nigeria. In 1971, Standard Bank of Nigeria listed its shares on the Nigerian Stock Exchange and placed 13% of its share capital with Nigerian investors. After the end of the Nigerian civil war, Nigeria's military government sought to increase local control of the retail-banking sector. In response, now Standard Chartered Bank reduced its stake in Standard Bank Nigeria to 38%. Once it had lost majority control, Standard Chartered wished to signal that it was no longer responsible for the bank and the bank changed its name to First Bank of Nigeria Limited in 1979. By then, the bank had re-organized and had more Nigerian directors than ever.

In 1991 the Bank changed its name to First Bank of Nigeria Plc following listing on The Nigerian Stock Exchange. In 2012, the Bank changed its name again to First Bank of Nigeria Limited as part of a restructuring resulting in FBN Holdings Plc ("FBN Holdings"), having detached its commercial business from other businesses in the First Bank Group, in line with the requirements of the Central Bank of Nigeria. FirstBank had 1.3 million shareholders globally, was quoted on The Nigerian Stock Exchange (NSE), where it was one of the most capitalized companies and also had an unlisted Global Depository maga communication Receipt (GDR) programme, all of which were transferred to its Holding Company, FBN Holdings in December 2012.

In 1982 FirstBank opened a branch in London, which it converted into a subsidiary, FBN Bank (UK), in 2002. Its most recent international expansion was the opening in 2004 of a representative office in Johannesburg, South Africa. In 2005 it acquired FBN (Merchant Bankers) Ltd. Paribas and MBC International Bank Ltd, a group of Nigerian investors, had founded MBC in 1982 as a merchant bank, and it became a commercial bank in 2002.

In June 2009, Stephen Olabisi Onasanya was appointed group managing director/chief executive officer, replacing Sanusi Lamido Sanusi, who had been appointed governor of the Central Bank of Nigeria. Onasanya was formerly executive director of banking operations & services. He retired on 31 December 2015 and Adesola Adeduntan took over as managing director/chief executive officer, First Bank of Nigeria Ltd and subsidiaries effective 1 January 2016, with Gbenga Shobo as deputy managing director.

In April 2021, the Central Bank of Nigeria fired the whole board of the First Bank of Nigeria which was in a «grave financial condition».[10]

Key milestones[edit]

  • 1894 – Incorporated and headquartered in Marina, Lagos, Nigeria, West Africa's commercial nerve centre.
  • 1912 – Calabar branch, the second branch in Nigeria, was opened by King Jaja of Opobo; Zaria branch was also opened as the first branch in northern Nigeria.
  • 1947 – FirstBank advanced the first long-term loan to the then colonial government, followed in 1955 by a partnership with the government to expand the railway lines.
  • 1971 – First listing on the Nigerian Stock Exchange (NSE).
  • 1991 – First Automated Teller Machine (ATM) introduced at 35 Marina as part of convenient, online real time banking.
  • 1994 – Launched first university endowment programme in Nigeria.
  • 2002 – Established FBN UK regulated by the FSA, the first Nigerian Bank to wholly own a full-fledged bank in the UK.
  • 2004 – Launched a new brand identity which introduced substantial changes in the look and feel of the FirstBank brand.
  • 2007 – Introduced Finnone credit administration software as the first bank in Africa to pioneer the service.
  • 2011 – Launched the first biometric ATM and cash deposit ATM in Nigeria.
  • 2012 – Became a subsidiary group of FBN Holdings Plc.
  • 2013 – Completed the acquisition of ICB asset in Guinea, Gambia, Sierra Leone and Ghana as part of an ongoing Pan African expansion program.
  • 2014 – Initiated, at 120 years, the launch of a new corporate identity.

Leadership[edit]

See also[edit]

References[edit]

  1. ^"First Bank Of Nigeria". today.ng. May 19, 2017.
  2. ^"XE: Convert USD/NGN. United States Dollar to Nigeria Naira". www.xe.com. Retrieved 2017-08-29.
  3. ^Subsidiaries of First Bank of Nigeria[permanent dead link]
  4. ^Chima, Obinna (2011-10-14). "Nigeria: First Bank Expands, Acquires Congolese Bank". This Day (Lagos). Retrieved 2017-08-29.
  5. ^Acquisition of ICB Takes First Bank to Four Countries FBN Bank Acquires ICB Assets In Four West African Countries
  6. ^"Visit London". Visit London. Retrieved 4 February 2021.
  7. ^"FBN Holdings launches FBNQUEST". The Eagle Online. Retrieved 2018-10-28.
  8. ^"FBNHoldings renames its merchant banking and asset management businesses - Businessamlive". Businessamlive. 2017-12-19. Retrieved 2018-10-28.
  9. ^"Our History". firstbanknigeria.com. Retrieved June 8, 2017.
  10. ^Chijioke Ohuocha, Nigeria’s central bank sacks entire board of First Bank of Nigeria, Reuters.com, 30 April 2021
  11. ^"Ibukun Awosika becomes the first female chairperson of First Bank of Nigeria - Ventures Africa". Ventures Africa. 2015-09-08. Retrieved 2018-10-28.
  12. ^"FirstBank CEO, Adeduntan joins global influencers and experts at the 2018 Financial Times Nigeria Summit and Cambridge Business in Africa Conference". Nairametrics. 2018-05-31. Retrieved 2018-10-28.
  13. ^"Francis Olugbenga Shobo, Deputy Managing Director, First Bank Nigeria Limited
    What is Online Banking?
    First Bank Online Banking offers our clients secure access to their First Bank accounts anytime, anywhere via an Internet connection. With Online Banking you can:

    View balances and transaction history
    Transfer funds between your First Bank accounts
    View, search for, print, or save images of cleared checks
    Receive event, item, balance and personal alerts via email, text, and/or at login
    Submit Stop Payment on checks
    Receive statements electronically
    Download transactions to the leading financial management programs
    Pay bills electronically or by check

    Do I have to register to use Online Banking?

    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.

    What do I need to access Online Banking?

    You will need a connection to the Internet, and a Web Browser. We recommend using Microsoft Internet Explorer 9.0 or higher for optimal viewing of this site.

    How secure is First Bank Online Banking?
    Once logged on to our Online Banking site, you will be in a secure zone. This is evident by the “https” that will appear in the URL as opposed to the “http”. If you are using one of the following browsers; Microsoft Internet Explorer 9.0 or higher, Firefox 3.0 or higher, or Safari 3.2 or higher, an EV (Extended Validation) SSL certificate will be active. The EV SSL certificate will be evident as the browser will display https://, turn green, show a closed padlock, and rotate the name “First Bank” and “Identified by VeriSign”.

    All sensitive and personal information is encrypted, and access requires ID’s and PIN’s that only you know. Our Identity Verification Feature is in place to verify your identity and detect any unusual or uncharacteristic online banking behavior. In addition, your account numbers, social security numbers, and Tax ID numbers are never displayed on the Online Banking screens.

    What should I do if I think someone has my Online Banking login information?

    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 601-684-2231800-918-2856 between 8:30AM and 4:30PM Central Time Monday through Friday, excluding Holidays.

    What happens if I forget my PIN or get locked out of Online Banking?
    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 or 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.

    How do I clear my browser's cache?

    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.

    Do I have the ability to change my email address connected to my Online Banking account?

    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.

    Do I have the ability to change my personal Watermark image connected to my Online Banking account?

    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.

    Can I change the First Bank designated names of my account(s) to a nickname or pseudo name?

    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.

    Can I change the order in which my accounts display in Online Banking?

    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!

    How do I set up Online Banking Alerts?
    You have the ability to 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.

    How current is the account information I access through Online Banking?

    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.

    What is the difference between current balance and available balance?

    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.

    What if I open a new First Bank account and I want to access it online?

    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 800-918-2856 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.

    Can I view my check images online?

    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.

    Can I make a deposit to my First Bank Account using my home or office flatbed scanner?

    No, not at this time.

    Can I make a deposit to my First Bank Account using my smart phone or mobile device?

    Yes. On the Go Deposits is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad.

    Can I place a stop payment on a check online?

    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.

    Can I make a payment to my First Bank loan?

    Yes, you have the ability to 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.

    In which financial software or formats can I download my transactions?

    You can download transactions from First Bank Online Banking to Quicken (.QFX), QuickBooks (.QBO), Spreadsheet (.CSV) and Word Processing (.TXT).

    Why is there a one dollar transaction on my account?

    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.

    What are eStatements?
    eStatements allow you to receive your statements and notices electronically versus through 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.

    How do I enroll?
    First, you need User ID #, if you do not already have one assigned for access to eBanking, eBillPay, and eStatements, to begin the eStatement enrollment process.

    When you have your User ID #, you will go to the Bank’s website: www.firstbankms.com , where you will login for eBanking with your User ID # and password. (You are told your password when you receive your User ID # along with other security instructions/procedures.)

    The first time you use the site you will have to agree to the terms and conditions of online enrollment by clicking the checkbox to “ Agree”, then continue on with the process.

    You will receive an email confirming your eStatement enrollment.

    You will need to select from the accounts listed by placing a checkmark by the account(s) you wish to receive electronically (Notices related to the selected accounts will also be sent electronically). Be sure to “Save Your Settings”. The accounts listed will be those on which you are the primary and joint owner according to the bank’s records. If you select a joint account, other joint owner(s) will not receive an eStatement or a printed one, so please consider this selection closely.

    NOTE FOR BUSINESS CUSTOMERS ONLY: Please be sure to complete the First Name and Last Name fields for the person enrolling the business along with the Business Name & Business Tax ID fields.

    How do I access eStatements?
    Visit the First Bank websiteand select ‘online line banking’ on the top right corner of the page.

    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.

    How do I un-enroll for eStatements?

    Simply, login as you normally would for eStatements, and delete the check box that you had originally checked to begin receiving the statements electronically. Paper statements should resume with the next statement cycle.

    What are some of the eStatement functions?
    Additional Recipients

    You have the ability to add additional recipients to receive your electronic documents by selecting the “Additional Recipients” option at the top of the page. You will assign them a username, PIN, and input their email address for notifications to be sent to.

    NOTE: You will be completely responsible for whom you give access.

    Change eBanking ID & Password

    You can change your eBanking ID, Password, and email address by clicking the “Options” tab at the top of the screen. Then, input the changes you wish to make, and click submit.

    NOTE: In order to return to the initial “Statement & Notices” screen from the “Options” screen, you must click the “Display” button at the top of the screen after you have updated your personal information.

    eStatements Functions – Receiving Documents

    When a statement or notice is generated an email is sent to the email address on file. You may click on the attachment or login to eBanking from the Bank’s website, then choose the eStatement tab to view your electronic document. (Be sure to save it to your computer as it is stored for 18 months on this site, then back-up your computer files to protect your records should your computer crash.)

    SAMPLE EMAIL:

    From: First Bank [mailto:[email protected]]
    Sent: Friday, September 25, 2009 10:29 PM
    To: (Your Name)
    Subject: eStatement Enrollment (xxxxyour security phrasexxxx)

    Your statement is now ready to view.

    The statement is stored for 18 months. You may save the document to your computer for future reference.

    If you have any questions regarding your statement, please contact customer service at your local branch office or call 601-684-2231 or 800-918-2856 during regular banking hours.

    Adobe Acrobat Reader® version 6.0 or higher is required to open and view your statement(s)/notice(s)*. To download the latest version of Adobe Reader®, go to http://www.adobe.com/products/acrobat/readstep.html

    If you have Internet Explorer 8 and have problems, you may need to set your properties to allow cookies, javascript, pop-ups, and the site as a trusted site.

    By clicking on the link in the email, you are directed to the log-in where you enter your eBanking User ID and PIN (screen shot on the first page above).

    If you have more than one account, you will go to the page for the first account listed which may not be the account statement or notice for which you received the email. In that case, you will need to click on the drop down box with your account list and select another account until you find the account with the most recent statement or notice.

    The electronic document opens with Adobe allowing you to print or save the document as desired.

    Who do I contact for eStatement support?

    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.

    What is Treasury Management Services?

    First Bank Online Banking with Treasury 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), research and reporting, and other great features. First Bank Online Banking with Treasury Management Services puts you in charge of your business accounts at your convenience 24 hours a day, 365 days a year.

    Can more than one user access the accounts for my business with Treasury Management Services?

    Yes. First Bank Online Banking with Treasury 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.

    Can ACH capabilities be setup with dual control?

    Yes. The account administrator has the ability to restrict the capabilities of any user. With this ability dual control can be accommodated.

    What is the daily cut-off time for wire transfers?

    To be included on the current day’s business, a wire transfer must be initiated by 1:00PM Central Time, M-F, excluding weekends and bank holidays.

    What is the daily cut-off time for ACH initiations?

    You have the ability to initiate ACH batches until 4:00PM Central Time, M-F, excluding weekends and bank holidays.

    What is Positive Pay?

    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.

    What is Bill Payment?

    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.

    Can I sign up for Bill Payment and not have Online Banking?

    No. Bill Payment works in conjunction with Online and Mobile Banking.

    How many payees am I able to set up?

    There is no limit to the number of payees you can have.

    When and how are payments processed?
    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.

    Can I edit payee information?

    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.

    Can I delete a payment?

    You may edit or delete any payment up until midnight the day before the scheduled payment date.

    What will happen if I do not have enough money in my account?
    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.

    Does First Bank offer Mobile Banking?
    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. Text banking is also available on mobile devices that receive SMS text messages.

    Download the mobile app from iTunes or Google Play here.

    What is mobile banking?
    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.

    Download the mobile app from iTunes or Google Play here.

    How do I sign up for mobile banking?

    Visit any First Bank location to complete an enrollment form or please contact a customer service representative at 800-918-2856.

    Is there a mobile banking app for my iPhone or Android smartphone?
    Yes. The First Bank (MS) On the Go app is available for download to your iPad and iPhone or Android smartphone.

    Download the mobile app from iTunes or Google Play here.

    Will I be able to use the First Bank (MS) On the Go app immediately after downloading?
    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.

    Download the mobile app from iTunes or Google Play here.

    How do I find the First Bank (MS) On the Go mobile app?

    From the Apple App Store or Google Play, simply search for ‘First Bank (MS) On the Go’ in order to successfully locate the app.

    What functions can I perform from my mobile device?
    Provided that First Bank has given you access to On the Go mobile banking or the mobile website, you can:

    View Transaction History
    View Account Balances
    Transfer Funds between accounts
    Pay Bills to existing Payees
    Make Check Deposits***
    Manage Debit Cards
    View alerts
    Release ACH and wires (Treasury Management Services users only)
    ***Enrollment and approval required to access this service.

    Download the mobile app from iTunes or Google Play here.

    Can I make a deposit to my First Bank Account using my smart phone or mobile device?
    Yes. On the Go Deposits is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad.

    Download the mobile app from iTunes or Google Play here.

    What is On the Go Deposits?
    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!.

    Download the mobile app from iTunes or Google Play here.

    How do I apply for On the Go Deposits?
    On the Go Deposits is available to qualified customers who have applied for and been approved for this service. At this time, an enrollment form must be completed at your nearest branch in order to request access for On the Go Deposits.

    Download the mobile app from iTunes or Google Play here.

    Once I have been approved how do I begin using On the Go Deposits?
    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
    Enter the check amount, select the account
    Submit your image and information

    What accounts are eligible for use with On the Go Deposits?

    Once you are enrolled in On the Go Deposits you may make mobile deposits into the First Bank account you listed on your application.

    Are there transaction limits with On the Go Deposits?

    Yes, there are daily and monthly transaction limits for items and amount deposited.

    How will I know my deposit was processed correctly?

    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 [email protected] 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.

    When are the funds deposited electronically with On the Go Deposits available in my account?

    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 for the amount of the deposit(s) on the day of receipt. All approved deposits received after 4 PM CST, will be credited to the account for the amount of the deposit(s) 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.

    What should I do with the hard copies of my checks?

    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.

    Are there limitations on checks deposited with On the Go Deposits?

    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 Only’
    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

    Can I turn On and Off my debit card using my smart phone or mobile device?

    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.

    Can I activate my new/replacement debit card using my smart phone or mobile device?

    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.

    Can I add a new Bill Payment Payee via mobile banking?

    No. For security reasons, you can only add payments to payees already established through your traditional internet-based online banking.

    What happens if I lose my mobile device or I get a new phone?

    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.

    What if I can't get mobile device to work with First Bank Online Banking?

    There are a number of 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.)

    What is mobile text banking?

    Mobile text banking allows users to quickly send a text requesting balance or recent transaction information. Users are able to access this information for all enrolled accounts. 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.

    How do I sign up for mobile text banking?

    Visit any First Bank location to complete an enrollment form or please contact a customer service representative at (601) 684-2231.

    What valid SMS Messages can be used?
    The following keywords may be used to access account information via text:

    HELP Returns command references
    BAL Returns balance for all enrolled accounts
    HIST Returns last 4 transactions for all enrolled accounts
    STOP Disables enrollment for text mobile banking
    *Note: SMS messages are not case sensitive

    What does Card Verifi Fraud Verification Alerts do for me?

    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.

    What makes a transaction appear suspicious and generate an alert from Card Verifi?

    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).

    How do I enroll for the Card Verifi Verification System alerts?

    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.

    How will the Card Verifi Fraud Verification System contact me?

    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.

    How long should it take to receive a Card Verifi notification?

    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 8:00 PM Central Time. Email and text notifications will arrive 24/7.

    What can I do with email notification?

    Email notifications are strictly informational. Responses to possible fraudulent transactions can only be entered via telephone or text message.

    What valid SMS Messages can be used with Card Verifi?
    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

    I enrolled for Card Verifi text notifications. How do I know I’m enrolled?

    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 or 800-918-2856. Msg&Data rates may apply. Msg freq is recurring & based on fraudulent activity. Thank you for enrolling in First Bank CardVerifi”

    Why do I receive multiple messages with Pg1/2, Pg2/2?

    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.

    Do I have to respond to each form of notification when receiving an alert from Card Verifi?

    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 8:00 PM Central Time. Email and text notifications will arrive in real-time.

    Why did I get a phone call at 8:00 AM when I responded to an email notification after 8:00 PM the evening before?

    The hours we will contact you by phone are 8:00 AM to 8:00 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.

    What if I don’t have text messaging?

    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.

    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?

    Yes. Please call us at 601-684-2231 or 800-918-2856 or visit our nearest First Bank location to request your home phone number be updated to your mobile phone number. Please note that in doing so all contact from the bank through phone will be routed to your mobile phone.

    If other members of my household use the same phone number for contact, how will we know who the message is for?

    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.

    Why was my transaction amount in my alert different than my actual purchase amount?

    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.

    What if my registered card had fraud?

    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.

    What if I reject a transaction by mistake?

    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.

    Can someone at First Bank record my response to a possible fraudulent transaction?

    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.

    If my contact information changes, what do I need to do?

    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.

    How much does it cost to use this service?

    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.

    Источник: https://firstbankms.com/online-banking/

    Moody’s Confirms First Bank of Nigeria’s Ratings

    MOODY’S Investors Service has confirmed the B2 long-term bank deposit ratings and the b3 Baseline Credit Assessment (BCA) of First Bank of Nigeria Limited (First Bank). The rating action concludes the review for the downgrade initiated on May 5, 2021. The outlook on long-term deposit ratings is negative.

    According to the agency, the confirmation reflects Moody’s views that:  governance issues raised by the regulator in April are being addressed; the bank’s standalone credit profile will remain resilient and government support will remain high.

    The primary drive of the confirmation is Moody’s view that the new board appointed by the Central Bank of Nigeria (CBN) — following the removal of all non-executive directors of the bank’s board by the regulator in April — will reinforce the existing strategy of the unchanged executive management team.

    This means that there has been little disruption to the bank’s strategic direction and the new board will enhance oversight on management strategy execution while improving First Bank’s relationships with various stakeholders, including the regulators.

    In addition, Moody’s said First Bank is addressing its identified related-party loans, which it estimates are lower than five per cent of total loans, and non-permissible exposures, per CBN’s directive.

    At the same time, the confirmation of the BCA also acknowledges the improvements of the bank’s asset quality over the past three years, with the reported ratio of nonperforming loans reducing to 7.2 per cent of gross loans as of June 2021 from 26.0 per cent at year-end 2018.

    The bank continues to work out its legacy nonperforming loans one per cent while the formation of new problem loans from loans originated between 2020 and 2016 has been muted (at lower than, according to the company), mainly due to controlled loan growth.

    “First Bank’s foreign currency liquidity has also improved. The bank’s proportion of liquid foreign-currency asset to total foreign-currency assets was robust at 48 per cent as of December 2020.

    “Moody’s continues to assign a ‘high’ probability of support from the Government of Nigeria (B2 negative) to First Bank, resulting in a one-notch uplift of the b3 BCA to B2 deposit ratings,” it stated.

    According to the agency, the assumption of ‘high’ probability of support indicates Moody’s view that authorities will likely take actions that benefit the bank’s depositors if needed.

    First Bank’s systemic importance in the system, with a total deposit market share of about 14 per cent at year-end 2020 and more than 34 million customer accounts in June 2021, coupled with the authorities’ track record of monitoring First Bank’s financial health, indicate that CBN will likely intervene early and protect depositors in the future it added.

    The negative outlook also acknowledges the fragile operating environment due to the pandemic that will likely restrain the pace of improvement of the bank’s asset quality and profitability, and the bank’s relatively weaker solvency metrics.

    A deterioration in the bank’s solvency and funding profiles according to Moody’s, in particular a regulatory capital ratio closer to the 15.0per cent minimum requirement, would put downward pressure on the ratings.

    A downgrade of Nigeria’s sovereign rating or a decline in the government’s willingness to provide support would also exert negative pressure on the ratings.

    It said there is limited scope for an upgrade given the negative outlook. However, a sustained improvement in the bank’s solvency metrics and core profitability will put upward pressure on the bank’s BCA. The bank’s outlook could change back to stable if the sovereign rating outlook is stabilized and the bank maintains good financial performance

    YOU SHOULD NOT MISS THESE HEADLINES FROM NIGERIAN TRIBUNE

    We Have Not Had Water Supply In Months ― Abeokuta Residents

    In spite of the huge investment in the water sector by the government and international organisations, water scarcity has grown to become a perennial nightmare for residents of Abeokuta, the Ogun State capital. This report x-rays the lives and experiences of residents in getting clean, potable and affordable water amidst the surge of COVID-19 cases in the state…

    Selfies, video calls and Chinese documentaries: The things you’ll meet onboard Lagos-Ibadan train

    The Lagos-Ibadan railway was inaugurated recently for a full paid operation by the Nigerian Railway Corporation after about a year of free test-run. Our reporter joined the train to and fro Lagos from Ibadan and tells his experience in this report…

    [ICYMI] Lekki Shootings: Why We Lied About Our Presence — General Taiwo

    The Lagos State Judicial Panel of Inquiry probing the killings at Lekki Toll Gate, on Saturday resumed viewing of the 24hrs footage of the October 20, 2020 shooting of #EndSARS protesters by personnel of the Nigerian Army…

    ICYMI: How We Carried Out The 1993 Nigerian Airways Hijack —Ogunderu

    On Monday, October 25, 1993, in the heat of June 12 annulment agitations, four Nigerian youngsters, Richard Ajibola Ogunderu, Kabir Adenuga, Benneth Oluwadaisi and Kenny Razak-Lawal, did the unthinkable! They hijacked an Abuja-bound aircraft, the Nigerian Airways airbus A310, and diverted it to Niger Republic. How did they so it? Excerpts…

    ICYMI: What North Will Not Accept About 2023 Presidency —Prof Mahuta, UDU Don And Kebbi Dev Foundation Chairman

    Sahabi Danladi Mahuta, a community mobiliser and APC chieftain. Mahuta spoke to select journalists at the sidelines of an Islamic conference in Abuja recently. Excerpts…

    Источник: https://tribuneonlineng.com/moodys-confirms-first-bank-of-nigerias-ratings/

    Your Checking. Your Story.

    Android is a trademark of Google Inc.

    Insurance Products, Investments & Annuities: Not A Deposit

    FirstMobile

    FirstMobile is the official mobile banking smartphone application from FirstBank. It provides convenient access to both financial and non-financial transactions by FirstBank account holders via their mobile phones/devices. The service is available to FirstBank account holders with Naira MasterCard and/or Verve cards.

    The App is sleek and convenient to use – evident in its DIY enrolment process as all FirstBank customers with Verve and Naira MasterCards can begin using the App without having cause to visit a FirstBank branch. It is also poised to offer a more reliable and definitely more convenient digital banking experience, whilst complementing our plethora of lifestyle offerings.

    What’s New in revamped FirstMobile 2.0.0?
    Revamped UI/UX: Users now have a more exciting interface and experience.

    Improved dashboard: This update enables us to give you a more personalized and customizable experience. The feature showcases high level display of the mobile banking user’s spending patterns highlighting the inflows and outflows in the user’s bank account, thereby helps in making better financial decisions.

    Frequent transactions: This feature smartly aggregates the most frequent transactions (Transfers, Airtime purchase, Bills payment) a user carries out based on historical data and presents it to the user in a friendly manner. This allows the user to easily access his/her frequently completed transactions and re-initiate such with few clicks of button.

    Top-up from contact: This feature allows the mobile banking user to “select from contact list” while carrying out transactions for Airtime recharge.

    Favorites/Beneficiary management: This feature allows a mobile banking user to add new user as a beneficiary for Transfer, Bills payment and Airtime transactions. Favorites contacts can then be selected from the beneficiary lists and becomes readily available on transaction home page to easily complete transactions with just a few clicks of button.

    Biometrics for transactions: Android users can now use their fingerprint to consummate transactions- An easier and innovative way to validate transactions.

    Personalization: This feature allows the mobile banking user to personalize their dashboard and their beneficiaries for Transfers, Bills payment and Airtime transactions by uploading pictures.

    Источник: https://play.google.com/

    Banking at your fingertips

    FREQUENTLY ASKED QUESTIONS

    What is internet banking?

    Internet banking is an electronic solution that allows you to make transactions, payments, and other activities on the Internet via the Bank's secure platform.

    What are the benefits of using internet banking Services?

    You can use internet banking to execute your banking transactions from any place that is convenient for you. Internet banking offers a wide range of electronic transactions and data to aid in the management of your financial holdings. It's safe and practical.

    What are the services and transactions which can be accessed through internet banking?

    The services and transactions that can be accessed through internet banking are:

    • Checking your account balance
    • Viewing the transaction history of your banking accounts and credit card
    • Transferring money between various accounts
    • Transferring funds overseas
    • Transferring funds to a different bank account
    • Making online payments
    • Enquiring on interest rates
    • Opening new Term/Fixed Deposits
    • Maintaining old and new cheque books
    • Updating personal information

    Will there be any charges for signing up for internet banking?

    No, there are no signing up charges.

    Is internet banking easy to use?

    Yes, internet banking is very easy to use and people from all age-groups and ways of life can avail of this service.

    What are the types of transactions I can carry out through my IDFC FIRST Bank Net Banking?

    If you’d like to view a complete list of all the transactions you can do on online, and through mobile Net Banking, click here

    What does Funds Transfer mean?

    A funds-transfer is simply transferring funds from your own account to any of the following:
    1. Your other accounts under your user ID
    2. To other beneficiaries (within IDFC FIRST Bank/outside IDFC FIRST Bank), also known as Third Party Funds Transfer

    It’s one of the many advantages of Net Banking with IDFC FIRST Bank.
    Funds Transfer for online Net Banking to other Banks can be of 3 types:
    • IMPS, (Immediate Payment Service), is a real-time service which allows customers to transfer funds from their account to another bank account in an electronic manner. This transaction can be done 24x7. The beneficiary receives the credit instantly.
    • NEFT, (National Electronic Funds Transfer) allows bank customers to transfer funds, pay credit card bills of other banks in an electronic manner to other Bank. NEFT follows RBI’s working calendar.
    • RTGS, also known as Real Time Gross Settlement, is the fastest way to transfer funds in an electronic manner. Transactions are done and payments are received in real-time.

    What are the charges of IMPS, NEFT and RTGS?

    There are NO charges for any funds transfer or transaction/transfer types for online Net Banking. They are free of cost.

    How do I add a beneficiary to my personal Net Banking?

    In order to conduct a Third Party Transfer process for online and mobile Net Banking, you’ll need to add a beneficiary to your online bank account. Here are the steps to add one:

    1. Log into IDFC FIRST Bank Net Banking.
    2. Select ‘Add Beneficiary’ under ‘Funds Transfer’
    3. Select the type of beneficiary and fill necessary details
    4. Enter the OTP received on your registered mobile number
    5. A notification about beneficiary addition will be sent to your registered mobile number
    6. The beneficiary will be activated after 30 minutes of being successfully added in the account

    How do I create a User ID and Password for my personal Net Banking?

    To access online Net Banking, you can create a user ID between 6-10 characters, which can be alphanumeric in nature.

    For your personal Net Banking, please do select a user ID which is easy to remember and yet personal to you in nature. The Mobile Net Banking Password should be between 6-15 characters, and you can use a combination of characters, alphabets and numbers to create one.

    How do I register for online Net Banking?

    Steps to register for IDFC FIRST Bank Net Banking services are as follows:

    1.      Visit the IDFC FIRST Bank website, and click on ‘Login’

    2.      Click on ‘Create Username’

    3.      Enter UCIC/Customer ID & mobile number, and click on ‘submit’

    4.      Enter Account Number, or Debit Card Number, or Loan Account Number

    5.      Enter the OTP received on your registered mobile number

    6.      Select your Username and create your own IDFC FIRST BankNet Banking Password and click on submit

    7.      IDFC FIRST Bank will never ask for customer-sensitive details like Username/Password in any of their communications or in person. Please do not reveal the same. To know more about safe banking practices, please click here.

    How can I retrieve my Username?

    Follow these steps to retrieve your Username:

    1.      Visit the IDFC FIRST Bank website, and click on Login

    2.      Click on ‘Forgot Username’

    3.      Enter your Customer ID & mobile number, and click on submit

    4.      Enter your Account Number or Debit Card details

    5.      Enter the OTP received on your registered mobile number

    6.      Your Username will be sent to your registered email id. A notification about retrieval of username will be sent on your registered mobile number.

    7.      You will be able to view your username on the screen as well.

    How do I retrieve my Password (IPIN)?

    One of the many benefits ofNet Banking is that you can set a new password for your IDFC FIRST Bank Net Banking in a few simple steps:

    1.      Visit the IDFC FIRST Bank website, and click on ‘Login’

    2.      Click on ‘Forgot Password’

    3.      Enter the username and mobile number

    4.      Enter the OTP received on your registered mobile number

    5.      Enter New Password and click on ‘submit’

    More FAQs

    Источник: https://www.idfcfirstbank.com/personal-banking/ways-to-bank/internet-banking-services

    Www firstbank com ng -

    Not Guaranteed By The Bank Or Its Affiliates

    Your Checking. Your Story.

    Android is a trademark of Google Inc.

    Insurance Products, Investments & Annuities: Not A Deposit May Go Down In Value

    Banking Products and Services provided by First Horizon Bank. Member FDIC. Equal Housing Lender. Equal Housing Lender   Member FDIC

    Insurance Products and Annuities: May be purchased from any agent or company, and the customer’s choice will not affect current or future credit decisions.

    First Horizon Advisors is the trade name for wealth management products and services provided by First Horizon Bank and its affiliates. Trust services provided by First Horizon Bank.

    Investment management services, investments, annuities and financial planning available through First Horizon Advisors, Inc., member FINRA, SIPC, and a subsidiary of First Horizon Bank. Arkansas Insurance License # 416584.

    Insurance products are provided by First Horizon Insurance Services, Inc. (“FHIS”), a Tennessee corporation, and a subsidiary of First Horizon Bank. The principal place of business of FHIS is 165 Madison Ave., Memphis, TN 38103. California Insurance License # OD12174. Arkansas Insurance License # 100110355.

    First Horizon Advisors, Inc., FHIS, and their agents may transact insurance business or offer annuities only in states where they are licensed or where they are exempted or excluded from state insurance licensing requirements.

    The contents of this website are for informational purposes only. Nothing on this website should be considered investment advice; or, a recommendation or offer to buy or sell a security or other financial product or to adopt any investment strategy.

    First Horizon Advisors does not offer tax or legal advice. You should consult your personal tax and/or legal advisor concerning your individual situation.

     First Horizon Bank.

    Источник: https://www.firsthorizon.com/
    PageOne.ng". PageOne.ng. 2016-10-26. Retrieved 2018-10-28.
  14. ^"FirstBank appoints Abdullahi Ibrahim as Executive Director". Retrieved 2018-10-28.
  15. ^"Oni joins FirstBank Board, Odubola retires - Vanguard News". Vanguard News. 2016-04-17. Retrieved 2018-10-28.

External links[edit]

Источник: https://en.wikipedia.org/wiki/First_Bank_of_Nigeria
What is Online Banking?
First Bank Online Banking offers our clients secure access to their First Bank accounts anytime, anywhere via an Internet connection. With Online Banking you can:

View balances and transaction history
Transfer funds between your First Bank accounts
View, search for, print, or save images of cleared checks
Receive event, item, balance and personal alerts via email, text, and/or at login
Submit Stop Payment on checks
Receive statements electronically
Download transactions to the leading financial management programs
Pay bills electronically or by check

Do I have to register to use Online Banking?

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.

What do I need to access Online Banking?

You will need a connection to the Internet, and a Web Browser. We recommend using Microsoft Internet Explorer 9.0 or higher for optimal viewing of this site.

How secure is First Bank Online Banking?
Once logged on to our Online Banking site, you will be in a secure zone. This is evident by the “https” that will appear in the URL as opposed to the “http”. If you are using one of the following browsers; Microsoft Internet Explorer 9.0 or higher, Firefox 3.0 or higher, or Safari 3.2 or higher, an EV (Extended Validation) SSL certificate will be active. The EV SSL certificate will be evident as the browser will display https://, turn green, show a closed padlock, and rotate the name “First Bank” and “Identified by VeriSign”.

All sensitive and personal information is encrypted, and access requires ID’s and PIN’s that only you know. Our Identity Verification Feature is in place to verify your identity and detect any unusual or uncharacteristic online banking behavior. In addition, your account numbers, social security numbers, and Tax ID numbers are never displayed on the Online Banking screens.

What should I do if I think someone has my Online Banking login information?

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 601-684-2231800-918-2856 between 8:30AM and 4:30PM Central Time Monday through Friday, excluding Holidays.

What happens if I forget my PIN or get locked out of Online Banking?
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 or 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.

How do I clear my browser's cache?

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.

Do I have the ability to change my email address connected to my Online Banking account?

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.

Do I have the ability to change my personal Watermark image connected to my Online Banking account?

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.

Can I change the First Bank designated names of my account(s) to a nickname or pseudo name?

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.

Can I change the order in which my accounts display in Online Banking?

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!

How do I set up Online Banking Alerts?
You have the ability to 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.

How current is the account information I access through Online Banking?

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.

What is the difference between current balance and available balance?

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.

What if I open a new First Bank account and I want to access it online?

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 800-918-2856 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.

Can I view my check images online?

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.

Can I make a deposit to my First Bank Account using my home or office flatbed scanner?

No, not at this time.

Can I make a deposit to my First Bank Account using my smart phone or mobile device?

Yes. On the Go Deposits is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad.

Can I place a stop payment on a check online?

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.

Can I make a payment to my First Bank loan?

Yes, you have the ability to 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.

In which financial software or formats can I download my transactions?

You can download transactions from First Bank Online Banking to Quicken (.QFX), QuickBooks (.QBO), Spreadsheet (.CSV) and Word Processing (.TXT).

Why is there a one dollar transaction on my account?

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.

What are eStatements?
eStatements allow you to receive your statements and notices electronically versus through 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.

How do I enroll?
First, you need User ID #, if you do not already have one assigned for access to eBanking, eBillPay, and eStatements, to begin the eStatement enrollment process.

When you have your User ID #, you will go to the Bank’s website: www.firstbankms.com , where you will login for eBanking with your User ID # and password. (You are told your password when you receive your User ID # along with other security instructions/procedures.)

The first time you use the site you will have to agree to the terms and conditions of online enrollment by clicking the checkbox to “ Agree”, then continue on with the process.

You will receive an email confirming your eStatement enrollment.

You will need to select from the accounts listed by placing a checkmark by the account(s) you wish to receive electronically (Notices related to the selected accounts will also be sent electronically). Be sure to “Save Your Settings”. The accounts listed will be those on which you are the primary and joint owner according to the bank’s records. If you select a joint account, other joint owner(s) will not receive an eStatement or a printed one, so please consider this selection closely.

NOTE FOR BUSINESS CUSTOMERS ONLY: Please be sure to complete the First Name and Last Name fields for the person enrolling the business along with the Business Name & Business Tax ID fields.

How do I access eStatements?
Visit the First Bank websiteand select ‘online line banking’ on the top right corner of the page.

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.

How do I un-enroll for eStatements?

Simply, login as you normally would for eStatements, and delete the check box that you had originally checked to begin receiving the statements electronically. Paper statements should resume with the next statement cycle.

What are some of the eStatement functions?
Additional Recipients

You have the ability to add additional recipients to receive your electronic documents by selecting the “Additional Recipients” option at the top of the page. You will assign them a username, PIN, and input their email address for notifications to be sent to.

NOTE: You will be completely responsible for whom you give access.

Change eBanking ID & Password

You can change your eBanking ID, Password, and email address by clicking the “Options” tab at the top of the screen. Then, input the changes you wish to make, and click submit.

NOTE: In order to return to the initial “Statement & Notices” screen from the “Options” screen, you must click the “Display” button at the top of the screen after you have updated your personal information.

eStatements Functions – Receiving Documents

When a statement or notice is generated an email is sent to the email address on file. You may click on the attachment or login to eBanking from the Bank’s website, then choose the eStatement tab to view your electronic document. (Be sure to save it to your computer as it is stored for 18 months on this site, then back-up your computer files to protect your records should your computer crash.)

SAMPLE EMAIL:

From: First Bank [mailto:[email protected]]
Sent: Friday, September 25, 2009 10:29 PM
To: (Your Name)
Subject: eStatement Enrollment (xxxxyour security phrasexxxx)

Your statement is now ready to view.

The statement is stored for 18 months. You may save the document to your computer for future reference.

If you have any questions regarding your statement, please contact customer service at your local branch office or call 601-684-2231 or 800-918-2856 during regular banking hours.

Adobe Acrobat Reader® version 6.0 or higher is required to open and view your statement(s)/notice(s)*. To download the latest version of Adobe Reader®, go to http://www.adobe.com/products/acrobat/readstep.html

If you have Internet Explorer 8 and have problems, you may need to set your properties to allow cookies, javascript, pop-ups, and the site as a trusted site.

By clicking on the link in the email, you are directed to the log-in where you enter your eBanking User ID and PIN (screen shot on the first page above).

If you have more than one account, you will go to the page for the first account listed which may not be the account statement or notice for which you received the email. In that case, you will need to click on the drop down box with your account list and select another account until you find the account with the most recent statement or notice.

The electronic document opens with Adobe allowing you to print or save the document as desired.

Who do I contact for eStatement support?

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.

What is Treasury Management Services?

First Bank Online Banking with Treasury 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), research and reporting, and other great features. First Bank Online Banking with Treasury Management Services puts you in charge of your business accounts at your convenience 24 hours a day, 365 days a year.

Can more than one user access the accounts for my business with Treasury Management Services?

Yes. First Bank Online Banking with Treasury 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.

Can ACH capabilities be setup with dual control?

Yes. The account administrator has the ability to restrict the capabilities of any user. With this ability dual control can be accommodated.

What is the daily cut-off time for wire transfers?

To be included on the current day’s business, a wire transfer must be initiated by 1:00PM Central Time, M-F, excluding weekends and bank holidays.

What is the daily cut-off time for ACH initiations?

You have the ability to initiate ACH batches until 4:00PM Central Time, M-F, excluding weekends and bank holidays.

What is Positive Pay?

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.

What is Bill Payment?

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.

Can I sign up for Bill Payment and not have Online Banking?

No. Bill Payment works in conjunction with Online and Mobile Banking.

How many payees am I able to set up?

There is no limit to the number of payees you can have.

When and how are payments processed?
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.

Can I edit payee information?

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.

Can I delete a payment?

You may edit or delete any payment up until midnight the day before the scheduled payment date.

What will happen if I do not have enough money in my account?
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.

Does First Bank offer Mobile Banking?
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. Text banking is also available on mobile devices that receive SMS text messages.

Download the mobile app from iTunes or Google Play here.

What is mobile banking?
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.

Download the mobile app from iTunes or Google Play here.

How do I sign up for mobile banking?

Visit any First Bank location to complete an enrollment form or please contact a customer service representative at 800-918-2856.

Is there a mobile banking app for my iPhone or Android smartphone?
Yes. The First Bank (MS) On the Go app is available for download to your iPad and iPhone or Android smartphone.

Download the mobile app from iTunes or Google Play here.

Will I be able to use the First Bank (MS) On the Go app immediately after downloading?
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.

Download the mobile app from iTunes or Google Play here.

How do I find the First Bank (MS) On the Go mobile app?

From the Apple App Store or Google Play, simply search for ‘First Bank (MS) On the Go’ in order to successfully locate the app.

What functions can I perform from my mobile device?
Provided that First Bank has given you access to On the Go mobile banking or the mobile website, you can:

View Transaction History
View Account Balances
Transfer Funds between accounts
Pay Bills to existing Payees
Make Check Deposits***
Manage Debit Cards
View alerts
Release ACH and wires (Treasury Management Services users only)
***Enrollment and approval required to access this service.

Download the mobile app from iTunes or Google Play here.

Can I make a deposit to my First Bank Account using my smart phone or mobile device?
Yes. On the Go Deposits is available within the First Bank (MS) On the Go mobile application for Android, iPhone and iPad.

Download the mobile app from iTunes or Google Play here.

What is On the Go Deposits?
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!.

Download the mobile app from iTunes or Google Play here.

How do I apply for On the Go Deposits?
On the Go Deposits is available to qualified customers who have applied for and been approved for this service. At this time, an enrollment form must be completed at your nearest branch in order to request access for On the Go Deposits.

Download the mobile app from iTunes or Google Play here.

Once I have been approved how do I begin using On the Go Deposits?
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
Enter the check amount, select the account
Submit your image and information

What accounts are eligible for use with On the Go Deposits?

Once you are enrolled in On the Go Deposits you may make mobile deposits into the First Bank account you listed on your application.

Are there transaction limits with On the Go Deposits?

Yes, there are daily and monthly transaction limits for items and amount deposited.

How will I know my deposit was processed correctly?

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 [email protected] 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.

When are the funds deposited electronically with On the Go Deposits available in my account?

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 for the amount of the deposit(s) on the day of receipt. All approved deposits received after 4 PM CST, will be credited to the account for the amount of the deposit(s) 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.

What should I do with the hard copies of my checks?

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.

Are there limitations on checks deposited with On the Go Deposits?

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 Only’
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

Can I turn On and Off my debit card using my smart phone or mobile device?

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.

Can I activate my new/replacement debit card using my smart phone or mobile device?

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.

Can I add a new Bill Payment Payee via mobile banking?

No. For security reasons, you can only add payments to payees already established through your traditional internet-based online banking.

What happens if I lose my mobile device or I get a new phone?

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.

What if I can't get mobile device to work with First Bank Online Banking?

There are a number of 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.)

What is mobile text banking?

Mobile text banking allows users to quickly send a text requesting balance or recent transaction information. Users are able to access this information for all enrolled accounts. 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.

How do I sign up for mobile text banking?

Visit any First Bank location to complete an enrollment form or please contact a customer service representative at (601) 684-2231.

What valid SMS Messages can be used?
The following keywords may be used to access account information via text:

HELP Returns command references
BAL Returns balance for all enrolled accounts
HIST Returns last 4 transactions for all enrolled accounts
STOP Disables enrollment for text mobile banking
*Note: SMS messages are not case sensitive

What does Card Verifi Fraud Verification Alerts do for me?

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.

What makes a transaction appear suspicious and generate an alert from Card Verifi?

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).

How do I enroll for the Card Verifi Verification System alerts?

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.

How will the Card Verifi Fraud Verification System contact me?

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.

How long should it take to receive a Card Verifi notification?

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 8:00 PM Central Time. Email and text notifications will arrive 24/7.

What can I do with email notification?

Email notifications are strictly informational. Responses to possible fraudulent transactions can only be entered via telephone or text message.

What valid SMS Messages can be used with Card Verifi?
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

I enrolled for Card Verifi text notifications. How do I know I’m enrolled?

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 or 800-918-2856. Msg&Data rates may apply. Msg freq is recurring & based on fraudulent activity. Thank you for enrolling in First Bank CardVerifi”

Why do I receive multiple messages with Pg1/2, Pg2/2?

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.

Do I have to respond to each form of notification when receiving an alert from Card Verifi?

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 8:00 PM Central Time. Email and text notifications will arrive in real-time.

Why did I get a phone call at 8:00 AM when I responded to an email notification after 8:00 PM the evening before?

The hours we will contact you by phone are 8:00 AM to 8:00 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.

What if I don’t have text messaging?

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.

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?

Yes. Please call us at 601-684-2231 or 800-918-2856 or visit our nearest First Bank location to request your home phone number be updated to your mobile phone number. Please note that in doing so all contact from the bank through phone will be routed to your mobile phone.

If other members of my household use the same phone number for contact, how will we know who the message is for?

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.

Why was my transaction amount in my alert different than my actual purchase amount?

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.

What if my registered card had fraud?

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.

What if I reject a transaction by mistake?

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.

Can someone at First Bank record my response to a possible fraudulent transaction?

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.

If my contact information changes, what do I need to do?

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.

How much does it cost to use this service?

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.

Источник: https://firstbankms.com/online-banking/
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Not Guaranteed By The Bank Or Its Affiliates PageOne.ng". PageOne.ng. 2016-10-26. Retrieved 2018-10-28.
  • ^"FirstBank appoints Abdullahi Ibrahim as Executive Director". Retrieved 2018-10-28.
  • ^"Oni joins FirstBank Board, Odubola retires - Vanguard News". Vanguard News. 2016-04-17. Retrieved 2018-10-28.
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