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First Bank is a full-service regional bank offering personal and business checking, savings, loans, mortgages, and wealth management services with multiple California locations.
Data compiled from public sources
First Bank operates as a traditional regional bank with a significant presence across California, including a main branch in San Francisco at 300A Pine Street. The bank has expanded to serve both personal and business customers through an extensive network of physical branches and digital banking channels. First Bank's headquarters is located in Creve Coeur, and the institution maintains dozens of branch locations throughout California, including full-service branches, express locations, and in-store banking options at Dierbergs supermarkets.
The bank offers a comprehensive range of financial products and services spanning personal banking, business banking, and wealth management. Personal banking services include checking and savings accounts, certificates of deposit, money market accounts, and personal loans. Business customers can access business checking and savings accounts, business loans, and listed services like lockbox services and receivables management.
First Bank also provides mortgage lending for home purchases and refinancing, credit card products, brokerage services, and retirement plan administration through partnerships like Empower. First Bank differentiates itself through multiple access channels including physical branches, ATMs/ITMs, a mobile app called "First Bank On The Go," online eBanking portals for personal and business accounts, telephone banking, and virtual banking services at ITMs. The bank employs a substantial staff across locations, with the San Francisco Main branch alone listing 26+ named relationship managers and advisors.
This suggests a focus on personalized service and relationship-based banking rather than purely digital operations. As a regional bank, First Bank is best suited for customers seeking traditional banking relationships with in-person branch access and comprehensive financial services. However, consumers should note that the website contains minimal information about account fees, interest rates, loan terms, or specific product offerings, making it difficult to assess competitiveness.
The extensive branch network suggests operational complexity but may limit innovation speed compared to digital-first competitors.
First Financial Services received 21 consumer complaints in the past 12 months. All complaints received a timely response from the company.
21
Complaints (12 months)
5.7%
Resolved with relief
Increasing
Complaint trend
Most Common Complaint Categories
This is state-level context for Banks consumers in San Francisco, CA. It does not confirm that First Financial Services or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Financial Services offers 16 services including Personal checking and savings accounts, Money market accounts and certificates of deposit, Personal loans and credit cards, Residential mortgages and home lending, Business checking and savings accounts, and 11 more.
First Financial Services has profile signals associated with California residents seeking traditional branch banking with in-person relationship management, Business owners needing comprehensive business banking with listed services like lockbox and receivables, Customers who prefer multiple access channels (branch, phone, mobile, online, ATM) for banking needs, Individuals seeking full-service banking including mortgages, investments, and wealth management.
Key strengths: Extensive branch network across California with 50+ locations plus ATM/ITM access points; Multiple account opening methods: online, mobile app, branch, ITM, or phone (800-760-BANK); Comprehensive check ordering options including online, mobile app, branch, ITM, and phone channels. Areas to consider: Website provides no listed information about account fees, monthly minimums, or interest rates; No clear details on loan rates, terms, or APRs for personal or business loans.
In the Banks category, comparable providers include Bank of America Financial Center, FHLBank San Francisco, Netspend Corporation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Bank is profile signals for California-based customers who value traditional relationship banking with extensive branch access and comprehensive financial services under one institution. The main caveat is that the bank provides virtually no pricing transparency on its website—customers must contact branches directly or visit in person to learn about fees, interest rates, and specific loan terms, making it difficult to compare competitively before committing.
San Jose's Bank of America Financial Center at 99 S 4th St offers full banking services and cash withdrawals in San Jose, CA, open Monday-Friday 9AM-4PM.
Profile signals: Customers in Kensington needing in-person banking with staff context financial advice during business hours, Business owners requiring commercial deposit services and business banking relationships
FHLBank San Francisco is a member-owned cooperative bank providing liquidity funding, affordable housing grants, and community development resources to financial institutions across Arizona, California, and Nevada.
Profile signals: Community banks, credit unions, and CDFIs seeking stable, competitively-priced liquidity and funding solutions, Low- to moderate-income individuals seeking affordable housing or homeownership assistance through member institutions
Netspend offers reloadable prepaid debit cards and deposit accounts with eligibility claims to verify, minimum balances, or activation fees. Available at 130,000+ retail locations nationwide.
Profile signals: Unbanked and underbanked consumers without access to traditional bank accounts, Individuals with poor credit history or limited credit documentation
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