| CHECKING AND SAVINGS RATES |
Q | CHECKING AND SAVINGS RATES | | | APR | APY* | | Money Market Account | | | | Up to $9,999.99 | 2.23% | 2.25% | | $10,000 - $249,999.99 | 2.96% | 3.00% | | $250,000 and above | 2.96% | 3.00% | | First Choice Platinum Checking | 1.49% | 1.50% | | Choice Interest Checking | 1.49% | 1.50% | | Senior Interest Checking | 1.49% | 1.50% | | Statement Savings | 1.98% | 2.00% |
* Annual Percentage Yield. Rates subject to change without notice. Fees could reduce earnings.Close |
|
| FEATURED CERTIFICATE OF DEPOSIT RATES |
Q | FEATURED CERTIFICATE OF DEPOSIT RATES | | | APR | APY* | | Less Than 6 months | 2.47% | 2.50% | | 9 months | 2.96% | 3.00% | | 12 months | 3.92% | 4.00% | | 14 months | 4.16% | 4.25% | | 18 months | 4.16% | 4.25% | | 24 months | 4.16% | 4.25% | | 36 months | 4.16% | 4.25% | | 48 months | 4.16% | 4.25% | | 60 months | 4.16% | 4.25% |
$1,000 minimum deposit required.
* Annual Percentage Yield. Rates subject to change without notice. All rates and APYs are fixed unless otherwise indicated. Substantial penalty for early withdrawal.Close |
|
| FEATURED LOAN PRODUCTS |
Q | FEATURED LOAN PRODUCTS | HOME EQUITY LINE OF CREDIT
Rate floats as low as Prime less 1.01%.*
Prime rate is as advertised in the Wall Street Journal. Close |
|
| What is Online Banking? |
Q | What is Online Banking? | First Choice Bank's Online Banking product provides our customers with secure and convenient access to their accounts via the Internet, 24 hours a day, 7 days a week. Page down for FAQ about our BillPay system. Close |
|
| Do I have to register to use Online Banking? |
Q | Do I have to register to use Online Banking? | Yes. Register by phone or in person with a First Choice Bank Customer Service Representative. Close |
|
| Do I need special software to use Online Banking? |
Q | Do I need special software to use Online Banking? | To use Online Banking, you will need an Internet connection and a web browser that supports 128-bit SSL encryption. Netscape Navigator 4.5 (or higher) and Microsoft Internet Explorer 5.0 (or higher) both support this type of encryption. Close |
|
| What functions can I perform through Online Banking? |
Q | What functions can I perform through Online Banking? | First Choice Bank Online Banking users can view account information, transfer funds between accounts, make payments to loans held at our bank, download transaction information, stop payment on a check, view check images (front and back) and, if you enroll in BillPay, pay your bills electronically. Close |
|
| How much does Online Banking cost? |
Q | How much does Online Banking cost? | Zero. There is no charge to our customers for the use of Online Banking and BillPay. Close |
|
| How much account history can I view online? |
Q | How much account history can I view online? | You will be able to view 3 months of account history. Close |
|
| What should I do if I forget my Online Banking user ID or password? |
Q | What should I do if I forget my Online Banking user ID or password? | Contact a First Choice Bank Customer Service Representative at (609) 989-9000. Close |
|
| What happens if I forget to log off the system? |
Q | What happens if I forget to log off the system? | Online Banking has a 10 minute time-out feature. If you are logged onto the system and do not enter a key stroke for 10 consecutive minutes, the system will log you out and you will need to log in again to resume your session. Close |
|
| What should I do if I get locked out of my Online Banking account? |
Q | What should I do if I get locked out of my Online Banking account? | You are allowed three attempts to log into your Online Banking account. If you are unsuccessful on all three attempts, you will be locked out of the system. Contact a Customer Service Representative at (609) 989-9000 for assistance. Close |
|
| Is Online Banking secure? |
Q | Is Online Banking secure? | Yes! The highest form of encryption is used to keep your personal information secure. Additional security tools are in place, including firewalls, filtering routers, passwords and multi-factor authentification. Close |
|
| What is Multi-Factor Authentification? |
Q | What is Multi-Factor Authentification? | Multi-Factor Authentification (MFA) is an additional security feature that helps prevent unauthorized acess to your accounts. You will be asked to establish three security questions and answers. Periodically, when you are attempting to log-in, our system will challenge you to answer these questions correctly. Close |
|
| What is Bill Pay? |
Q | What is Bill Pay? | First Choice Bank's Online Bill Paying system allows users to pay bills electronically. Close |
|
| Is there a fee to use BillPay? |
Q | Is there a fee to use BillPay? | No. There is no charge to First Choice Bank customers for the use of BillPay. Close |
|
| Do I have to register to use BillPay? |
Q | Do I have to register to use BillPay? | Yes. Please contact us to register to use BillPay. Close |
|
| Who can I pay using BillPay? |
Q | Who can I pay using BillPay? | You can pay almost anyone in the United States. If the person or entity you wish to pay is not able to receive payment electronically, a check will be sent. You may not use BillPay to pay any government agency. Close |
|
| Can I set up recurrent payments? |
Q | Can I set up recurrent payments? | Yes. You can set up weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual, or annual payments. Close |
|
| How do I know if the person/entity I want to pay is able to receive payment electronically? |
Q | How do I know if the person/entity I want to pay is able to receive payment electronically? | Once you set up that person/entity for payment, look at the VIEW PAYEES screen, which includes a field that indicates whether the person/entity will receive payments electronically or by check. Close |
|
| How far in advance can I schedule payments? |
Q | How far in advance can I schedule payments? | You can schedule payments as far in the future as you wish. Close |
|
| How far in advance should I set up a payment to insure that it is received on time? |
Q | How far in advance should I set up a payment to insure that it is received on time? | Check payments should be scheduled 7-10 business days in advance of the date you want them to be posted at the payee. Electronic payments should be scheduled at least 3-5 business days in advance of when you want them to be posted at the payee. Close |
|
| How many payees can I set up? |
Q | How many payees can I set up? | You are able to create up to 99 payees. Close |
|
| Is there a minimum and maximum payment amount? |
Q | Is there a minimum and maximum payment amount? | Yes. The minumum payment you may make using BillPay is $0.01. The maximum payment amount is $9,999.00. Close |
|
| What happens if I have a scheduled payment that falls on a weekend or holiday? |
Q | What happens if I have a scheduled payment that falls on a weekend or holiday? | Scheduled payments that fall on a weekend will be processed on Friday evening prior to the weekend. Holiday processing is done the following day after the holiday. Close |
|
| Can I stop payment on a BillPay payment? |
Q | Can I stop payment on a BillPay payment? | Yes. You are able to place a stop payment on any check or electronic payment you have issued that has not been paid against your account. Stop payment fees apply. Close |
|
| Who should I call if I have problems with BillPay? |
Q | Who should I call if I have problems with BillPay? | Contact a First Choice Bank Customer Service Representative at (609) 989-9000. Close |
|
