First Bank Locations

First Bank is a banking provider with 10 locations across the US.

★ 4.2 / 5

10 locations

10 states

115 services

Category: banking

Free Consultation

Rating Breakdown

value

3.7

effectiveness

3.8

customer service

transparency

4.5

ease of use

Services Offered

ACH transfers ATM and ITM (Interactive Teller Machine) access with virtual banking After-hours customer support line (866.359.2123) Agriculture loans Auto and equipment loans Auto loans Auto loans, boat loans, RV loans, and land loans Auto/car loans Automated telephone banking (800-760-BANK) Banzai Financial Wellness partnership Bill payment services Brokerage services Business Lending (SBA, asset-based, term loans, lines of credit, construction financing) Business Remote Deposit and Lockbox Services Business and agricultural lending Business banking and payroll processing resources Business checking and savings accounts Business checking and savings accounts with business money market accounts Business credit cards Business loans and flexible lines of credit Business loans and lines of credit Business loans including commercial real estate and equipment financing Business loans including commercial real estate, equipment loans, term loans, and lines of credit CDs and IRAs Card Verifi™ debit card fraud protection Cash management services for business clients Cash management services for businesses Certificates of Deposit (7-month promotional rate 3.65% APY) Certificates of Deposit (CDs) Certificates of Deposit (CDs) for both personal and business customers Check reordering and management Checking Navigator account management program Christmas Savings Accounts Club Checking personal accounts with comprehensive features Commercial real estate loans with flexible terms Consumer credit cards Credit card products and statement login access Credit cards Credit cards with CardCash™ Rewards Program Customer support via phone (866-792-4357) Debit and credit cards (personal and business) Debit cards (consumer and business) Digital banking with credit score monitoring Direct deposit payroll for businesses FDIC Money Smart curriculum access Farm lending programs Financial calculators Financial education courses and tutorials First Bank On The Go mobile app Government Banking Services Health savings accounts Home Equity Line of Credit (HELOC) for multiple uses Home Equity Loans and Home Equity Lines of Credit Home equity lines of credit Home mortgage loans and HELOCs Home mortgages (purchase and refinance) Home purchase and construction loans IRA accounts Icon Checking Account with up to 2.60% APY Icon High-Yield Savings Account at 2.75% APY In-branch relationship banking services Individual Retirement Accounts (IRAs) Instant debit card issuance at branch locations Merchant Services Merchant card services and ACH services Merchant card services for businesses Mobile banking application (iOS and Android) Mobile banking with mobile deposit and real-time balances Mobile banking with mobile deposit capture Mobile check deposit Mobile wallet integration (Apple Pay, Samsung Pay, Google Pay) Mobile wallet integration for card payments Money School financial education program Money market accounts Mortgage lending (purchase, refinance, mortgage online platform) Mortgage lending and home equity lines of credit Mortgage loans and refinancing Mortgage loans including construction and home equity products Online account opening Online and mobile banking Online and mobile banking with 24/7 access Online and mobile banking with bill pay Online banking with bill pay Online banking with user ID and secure access code authentication Online contact and inquiry services Online, Mobile, and Telephone Banking Personal Auto Loans Personal and Business Checking Accounts (multiple tiers) Personal and Business Credit Cards Personal and Business eBanking platforms Personal and business credit cards with rewards programs Personal checking accounts Personal checking accounts (Kasasa Cash, Kasasa Cash Back, First 1 Interest, InControl) Personal checking accounts (multiple tiers) Personal checking and savings accounts Personal loans Personal loans and auto loans Personal loans and personal lines of credit Personal loans for home improvement and unexpected expenses Personal loans for various purposes Personal savings accounts and CDs Personal savings accounts and money market accounts Positive Pay fraud protection for business customers Prepaid cards Residential Mortgage Loans Retirement Plan Services (sponsor and participant) Savings Accounts and Money Market Accounts Small-dollar, short-term personal loans Treasury Management and Escrow Management Treasury management and payroll services for businesses Visa check cards and ATM cards Wealth management and trust services Wealth management including investment accounts, trusts, and estate planning Wealth management services Zelle money transfer service

✓ Strengths

+ Over 115 years of continuous banking operation since 1907, demonstrating stability and longevity
+ Instant debit card issuance at branch locations for immediate access when opening accounts or replacing cards
+ Recently redesigned mobile app with enhanced features, improved integration, and expanded card controls
+ Mobile wallet support for Apple Pay, Samsung Pay, and Google Pay for contactless payments
+ Online account opening process completed in three steps with no branch visit required

✗ Things to Consider

– Limited geographic footprint—primarily serves Texas locations, restricting access for customers outside this region
– Website lacks specific information about account types, interest rates, APYs, fees, or loan terms for comparison
– No details provided about minimum balance requirements, overdraft policies, or other standard account terms
– Mobile app transition appears mandatory with notice stating 'Everyone will be required to download the new app'

Company Details

Founded: 1907
Headquarters: Burkburnett, TX

AK (1 location)

First Bank

First Bank's Ketchikan, AK location at 331 Dock St offers retail banking services to Southeast Alaska residents.

4.2/5

BBB:

Best for: Alaska residents in Southeast communities seeking local relationship banking, Small business owners and commercial fishing operations in Alaska service areas

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FL (1 location)

First Bank

Clewiston, FL's First Bank branch at 300 E Sugarland Hwy provides banking services to local residents and businesses.

4.2/5

BBB:

Best for: Florida residents seeking local relationship banking with community investment and personalized service, Small business owners and farmers needing agricultural or commercial lending with local decision-making

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IA (1 location)

First Bank

Waverly, IA's First Bank branch at 316 E Bremer Ave offers banking services for local customers and businesses.

4.2/5

BBB:

Best for: Rural and agricultural customers needing specialized farm lending programs, Iowa residents seeking community-invested banking with local ownership

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MO (1 location)

First Bank

St. Louis, MO's First Bank at 11901 Olive Boulevard serves the local community with full banking services.

4.2/5

BBB:

Best for: Personal customers in MO, IL, or CA seeking competitive savings and checking rates, Small business owners needing comprehensive commercial banking services including receivables and retirement plan administration

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MS (1 location)

First Bank

Mccomb, MS – First Bank at 105 S Broadway St offers convenient banking services.

4.2/5

BBB:

Best for: Mississippi residents seeking community-focused banking with local branch relationships, Customers prioritizing financial education and literacy resources for personal finance management

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NC (1 location)

First Bank

At 205 Se Broad St in Southern Pines, NC, First Bank offers local banking services for residents and businesses.

4.2/5

BBB:

Best for: Individuals and families in North and South Carolina seeking traditional banking with online access, Small business owners needing comprehensive banking services including business loans and lines of credit

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NJ (1 location)

First Bank

At 2465 Kuser Rd in Hamilton, NJ, First Bank serves the local community with deposit and lending services.

4.1/5

BBB:

Best for: Small to mid-size business owners needing comprehensive banking and lending relationships with SBA or asset-based options, Personal customers seeking traditional branch access combined with digital banking flexibility

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OK (1 location)

First Bank

Erick, OK's First Bank branch at 118 West Roger Miller Boulevard provides banking services to the local community.

4.2/5

BBB:

Best for: Community-oriented customers seeking relationship banking with local branch access, Small business owners needing integrated payroll, bill pay, and ACH services

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TX (1 location)

First Bank

Burkburnett, TX First Bank branch at 300 E 3rd St provides banking services for local residents and businesses.

4.2/5

BBB:

Best for: Texas residents and businesses seeking personalized banking relationships with a community-focused institution, Small to mid-sized business owners needing commercial real estate loans and cash management services

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VA (1 location)

First Bank

Strasburg, VA branch of First Bank at 112 W King St offers core banking services.

4.2/5

BBB:

Best for: Virginia residents and business owners seeking a full-service community bank with local branch access, Customers prioritizing security and fraud prevention across personal and business accounts

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About First Bank

First Bank is an independent banking company that provides financial services to individuals and businesses. The institution operates as a self-directed entity rather than as part of a larger banking network. First Bank serves customers across the United States through its network of physical branches.

First Bank maintains approximately 10 locations concentrated primarily in Texas, Florida, and Oklahoma. As a regional bank, it offers standard banking services including deposit accounts, lending products, and related financial services. The company's independent status allows it to make lending and operational decisions without oversight from a parent holding company.

Consumers considering First Bank should verify the institution's specific fee schedules and product offerings through official channels, as these vary by location and account type. Like all FDIC-insured banks, deposits are protected up to standard federal limits. When evaluating banking options, customers may compare First Bank's rates and services against both regional and national banking alternatives.

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Common Questions

What type of financial institution is First Bank?: First Bank is an independent banking company providing retail and commercial banking services, operating without a parent holding company.
Where can I find a First Bank location?: First Bank operates approximately 10 branches, primarily in Texas, Florida, and Oklahoma. Contact the bank directly or visit its website for specific branch addresses and hours.
Are deposits at First Bank protected?: Yes, First Bank is FDIC-insured, protecting individual deposits up to $250,000 per account category, consistent with all federally insured banks.