Part of the First Bank chain · locations
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First Bank in Hamilton, NJ

4.1/5

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

Data compiled from public sources · Rating from CreditDoc methodology

First Bank Review

First Bank's branch at 2465 Kuser Rd sits in the heart of Hamilton, NJ, providing banking services to the local community. This standalone location is easily accessible for Hamilton residents and businesses seeking a trusted financial partner in the area.

This Hamilton branch offers deposit accounts, personal loans, business lending, and other banking solutions tailored to community needs. For information about specific services or to speak with a banker, contact the branch directly.

Whether you're opening a new account or exploring lending options, this location serves Hamilton residents with personalized service. Bring a valid ID and supporting documents for faster account setup and loan processing.

Services & Features

Business Lending (SBA, asset-based, term loans, lines of credit, construction financing)
CDs and IRAs
Government Banking Services
Home Equity Loans and Home Equity Lines of Credit
Merchant Services
Online, Mobile, and Telephone Banking
Personal Auto Loans
Personal and Business Checking Accounts (multiple tiers)
Personal and Business Credit Cards
Residential Mortgage Loans
Savings Accounts and Money Market Accounts
Treasury Management and Escrow Management

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by U.S. Government full faith and credit
  • Multiple checking account options designed for different customer needs (Basic, Relationship, GenGold, 50 First, Community, Nonprofit, Business)
  • Comprehensive business lending including SBA loans, asset-based lending, and Business Express loans up to $350,000
  • Multi-channel digital access (online, mobile, and telephone banking) alongside physical branches
  • Fast online account opening for both personal and business accounts
  • Wide range of loan products including mortgages, auto loans, home equity, and personal secured loans
  • Business treasury management and merchant services for commercial customers

Cons

  • Website does not display specific fee structures or APY rates for most products (requires drilling into detailed pages)
  • No mention of fee waivers, no-fee accounts, or competitive rate advantages versus digital banks
  • Limited transparency on approval timelines for personal loans or mortgage processing (only 'minutes' for Business Express)

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Consumer Complaint Record

First Bank received 39 consumer complaints in the past 12 months. All complaints received a timely response from the company.

39

Complaints (12 months)

23.8%

Resolved with relief

Stable

Complaint trend

Most Common Complaint Categories

Managing an account
33.3%
Problem caused by your funds being low
14.3%
Problem with a lender or other company charging your account
11.1%

26 FDIC-insured branch locations nationwide.

Source: Consumer Financial Protection Bureau · FDIC BankFind

Mortgage Lending Transparency

First Bank processed 8,045 mortgage applications in 2023, approving 80.2% of applicants across 42 states.

8,045

Applications

80.2%

Approval Rate

$292K

Avg Loan

42

States Served

Approval Rate by Applicant Income

Under $50K
59.1%
$50K–$100K
74.3%
$100K–$200K
82.8%
Over $200K
87%

Based on 8,045 applications. Income in thousands (reported by applicant).

Top Lending States

North Carolina 2,092 apps · 78.3%
California 1,558 apps · 59.2%
Missouri 1,106 apps · 79.6%
Texas 1,028 apps · 84%
Virginia 459 apps · 76.5%
Iowa 342 apps · 92.1%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does First Bank offer?

First Bank offers 12 services including Personal and Business Checking Accounts (multiple tiers), Savings Accounts and Money Market Accounts, CDs and IRAs, Residential Mortgage Loans, Home Equity Loans and Home Equity Lines of Credit, and 7 more.

Who is First Bank best suited for?

First Bank is best suited 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, Nonprofit organizations requiring specialized nonprofit checking accounts and banking relationships.

What are the strengths and weaknesses of First Bank?

Key strengths: FDIC-insured deposits backed by U.S. Government full faith and credit; Multiple checking account options designed for different customer needs (Basic, Relationship, GenGold, 50 First, Community, Nonprofit, Business); Comprehensive business lending including SBA loans, asset-based lending, and Business Express loans up to $350,000. Areas to consider: Website does not display specific fee structures or APY rates for most products (requires drilling into detailed pages); No mention of fee waivers, no-fee accounts, or competitive rate advantages versus digital banks.

How does First Bank compare to similar companies?

In the Banks category, comparable providers include 1st Bank of Sea Isle City, 1st Colonial Community Bank, Chase Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Quick Facts

Founded
2007
Headquarters
Hamilton, NJ
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #58481
Visit First Bank

CreditDoc Diagnosis

Doctor's Verdict on First Bank

First Bank is best for customers who prioritize branch access and relationship-based banking alongside digital convenience, particularly small-to-mid-size business owners seeking comprehensive lending options. The main caveat is that rate and fee competitiveness are not immediately transparent on their public website, requiring detailed comparison shopping before account opening.

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
  • Nonprofit organizations requiring specialized nonprofit checking accounts and banking relationships
Updated 2026-05-08

Similar Companies

1st Bank of Sea Isle City logo

1st Bank of Sea Isle City

FDIC-insured community bank in Cape May County, NJ offering deposit accounts, mortgages, business banking, and debit cards with 3 branch locations.

4.2/5
BBB:

Best for: Cape May County, New Jersey residents seeking local community banking with personal service, Homebuyers in Jersey Shore markets looking for mortgage lenders with regional real estate expertise

1st Colonial Community Bank logo

1st Colonial Community Bank

1st Colonial Community Bank is an FDIC-insured community bank serving South New Jersey and Southeast Pennsylvania with over 20 years of experience, offering personal and business banking products.

4.2/5
BBB:

Best for: Customers in South New Jersey and Southeast Pennsylvania seeking traditional community banking with branch access, Small business owners needing business checking, lending, and cash management services

Chase Bank logo

Chase Bank

Jersey City, NJ's Chase Bank branch at 56 Christopher Columbus Dr offers full banking services and ATM access to local residents and business professionals.

4.3/5
BBB: NR

Best for: Individuals seeking one-stop financial services including checking, credit cards, mortgages, and investments, Multilingual customers who need banking services in languages beyond English

Is First Bank Right for You?

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