FAQs
Debit Card FAQs
- What should I do if my debit card has been lost or stolen?
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You can warm status or hot card your debit card online or through our mobile app. You can also call or visit a branch assist you.
- If a hot card is found, it can be reactivated by contacting any branch.
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You can reorder a damaged card online or via our mobile app, or by visiting a branch that Instant Issues cards.
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- How do I report unauthorized transactions?
- Visit any branch to file an unauthorized transaction dispute form.
- Do I need to do anything special to use my debit card outside of the country?
- Visit or call any branch and simply let them know where you will be traveling and how long you will be there.
General Bank FAQs
- What is the Bank's Mailing address?
- Executive: 2465 Kuser Rd, Suite 101, Hamilton NJ 08690
- Lending: 1395 Yardville-Hamilton Square Rd, Hamilton NJ 08691
- Branch addresses can be found with our locator
- How do I change my address with the bank?
- Bring a utility bill or government identification reflecting the change, or some form of official documentation that has been sent to your new address into your local branch and complete a change of address form.
- What is First Bank's routing number?
- 031207924
- 031207924
Mobile Banking FAQs
- What type of phone must I have to use mobile banking?
- Mobile Banking works with any web-enabled mobile phone device whose network allows secure SSL traffic. The Mobile Banking app is only available for iPhone, iPad (iOS 6 and newer), and Android devices.
- How do I enroll in Mobile Banking?
- Download the app that corresponds to your phone. (App Store for iPhones/iPads and Google Play Store for Android devices)
- For Business Mobile, search for FBOnTheGo-Business
- For Personal Mobile, search for FBOnTheGo-Retail
- **Please note you must first be enrolled in Online Banking to use our Mobile apps**
- Download the app that corresponds to your phone. (App Store for iPhones/iPads and Google Play Store for Android devices)
- What happens if I lose my mobile device?
- Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings in Online Banking and make any changes to the Wireless Provider and/or Phone Number.
Beneficial Ownership FAQs
- What is the purpose of Beneficial Ownership?
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To help the government fight financial crime, Federal regulation requires certain financial institutions to obtain, verify and record information about the beneficial owners of legal entity customers. Legal entities can be abused to disguise involvement in terrorist financing, money laundering, tax evasion, corruption, fraud and other financial crimes. Requiring the disclosure of key individuals who own or control a legal entity (i.e. the beneficial owners) helps law enforcement investigate and prosecute these crimes.
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- Who has to complete a Beneficial Ownership Form?
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This form must be completed by the person opening an account on behalf of a legal entity with any of the following U.S. financial institutions: (i) a bank or credit union; (ii) a broker or dealer in securities; (iii) a mutual fund; (iv) a futures commission merchant; or (v) an introducing broker in commodities.
For the purposes of this form a legal entity includes a corporation, limited liability company, or other entity that is created by a filing of a public document with a Secretary of State or similar office, a general partnership, and any similar business entity formed in the United States or a foreign country. Legal entity does not include sole proprietorships, unincorporated associations or natural persons opening accounts on their own behalf.
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- What information do I need to provide?
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This form requires you to provide the name, address, date of birth and Social Security Number (or passport number or other similar information, in the case of foreign persons) for the following individuals (i.e. the beneficial owners):
- Each individual, if any, who owns, directly or indirectly, 25% or more of the equity interests of the legal entity customer (e.g. each natural person who owns 25% or more of the shares of the corporation; and
- An individual with significant responsibility for managing the legal entity customer (e.g. Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President or Treasurer)
The number of individuals that satisfy this definition of “beneficial owner” may vary. Under Section (i), depending on the factual circumstances, up to four individuals (but as few as zero) may need to be identified. Regardless of the number of individuals identified under Section (i), you must provide the identifying information of one individual under Section (ii). It is possible that in some circumstances the same individual may be identified in both sections (e.g. the President of Acme, Inc. who also holds a 30% equity interest). Thus, a completed form will contain the identifying information of at least one individual under Section (ii) or up to five individuals (i.e. one individual under Section (ii) and four 25% equity holders under Section (i)).
The financial institution will also ask to see a copy of a driver’s license or other identifying document for each beneficial owner listed on this form.
- Each individual, if any, who owns, directly or indirectly, 25% or more of the equity interests of the legal entity customer (e.g. each natural person who owns 25% or more of the shares of the corporation; and
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Account FAQs
- What do I need to open a personal account?
- Two forms of identification and your Social Security Number
- Acceptable identification includes a driver's license, state ID card, or passport plus any other form of ID with your name on it (Medicare card, Voter ID card, credit card, etc)
- Two forms of identification and your Social Security Number
- What do I need to open a business account?
- You need to bring you business SS4, Articles of Incorporation and Bylaws, and personal identification for all signers on the account.
- I am expecting a 1099 - when will I receive it?
- 1099s are mailed out January 31st.
Online Banking FAQs
- How do I enroll in Online Banking?
- Personal Online Banking customers may self-enroll on our website or mobile app. Business Online Banking customer should contact their local branch to enroll in Online Banking
Mobile Deposit FAQs
- How do I enroll in Mobile Deposit?
- You must first actively be enrolled in Online Banking. To enroll in Online Banking, contact your local branch.
- You can enroll in Mobile Banking through Online Banking or the Mobile App.
- Simply Download the app that corresponds to your phone. (App Store for iPhones/iPads and Google Play Store for Android Devices)
- For Business Mobile, search for FBOnTheGo-Business
- For Personal Mobile, search for FBOnTheGo-Retail
- Is there a fee for Mobile Deposit?
- There is no fee for deposits made with Mobile Deposit.
- How quickly will my deposit show in my account?
- Deposits made before 5 pm on any business day will receive next day credit to your account. Please note all deposits are subject to review and/or final approval by the bank.
- How will I know that the bank has received my deposit?
- You will receive an email notification once your deposit has been accepted for processing.
- You will receive an email notification once your deposit has been accepted for processing.
- What are my deposit limits?
- Deposit limits are $2,500 per check, and $5,000 per day.
FDIC Insurance FAQs
- Where can I learn about FDIC insurance and how it works?
- Here is a short video that explains FDIC insurance
- How do I know if my deposits are insured?
- To calculate your insurance, please visit the FDIC Electronic Deposit Insurance Estimator (EDIE)
