FAQs

What should I do if my debit card has been lost or stolen?

• You can warm status or hot card your debit card online or through our mobile app. You can also call or visit a branch so they may assist you. 

• If a card is found on the same day it is hot-carded, it can be reactivated by contacting any branch. However, after the day of hot-carding has passed, a new card will need to be issued.

• You can reorder a damaged card online or via our mobile app, or by visiting a branch that Instant Issues cards.

How do I report unauthorized transactions?

• Contact any branch immediately to file an unauthorized transaction dispute form.

Do I need to do anything special to use my debit card outside of the country?

• Your Debit Card will work internationally for PIN based transactions only.  In order to use your card internationally, you can use our Mobile App to indicate your travel, or contact a branch for assistance.  For your security, we do not allow Debit Cards to be used for online purchases on international websites.

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)

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.

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

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

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(Opens in a new Window) to use our Mobile apps**

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.

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?

• If you set up alerts, you will receive an email notification once your deposit has been accepted for processing. For more on this and other Mobile Deposit functions, please check out our video library
• Alternatively, you can look under Deposit a Check>Deposit History>Select All - this will show any pending deposits.

What are my deposit limits?

• Deposit limits are $2,500 per check, and $5,000 per day.

What is the purpose of Beneficial Ownership?

• 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.

Who has to complete a Beneficial Ownership Form?

• 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.

What information do I need to provide?

• 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.

Where can I learn about FDIC insurance and how it works?

• Here is a short video(Opens in a new Window) 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)

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

You can send money to friends, family and others you trust².

Since money is sent directly from your bank account to another person's bank account within minutes¹, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

You can send, request, or receive money with Zelle. **Note - you must be enrolled in Billpay to use Zelle.**To get started, log into your online banking or mobile app and select "Send Money with Zelle^®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile phone number), add the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes¹.

To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"³.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select your financial institution.
• Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor².

Since money is sent directly from your bank account to another person's bank account within minutes¹, Zelle should only be used to send money to friends, family and others you trust.

Neither Zelle nor First Bank offer a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

It's easy – Zelle is already available within your mobile banking app and online banking! You must be enrolled in Billpay before using Zelle. Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle through your online banking account or mobile app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please contact your financial institution's customer service.

Money sent with Zelle is typically available to an enrolled recipient within minutes¹.

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes¹.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact your financial institution's customer service.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Zelle does not offer a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle through your financial institution's mobile banking app and online banking. Please call your financial institution's customer service for help.