General Questions Relating to all Types of Accounts

1. What if I have more questions or need assistance with my general banking needs?
   - For more information on Idaho First Bank and our banking options call us at (866) 634-2760, or come and visit us at one of our Idaho First Bank locations.
2. How do I open a savings or checking account with Idaho First Bank?
   - Simple. Stop by any one of our locations with at least two forms of identification, a current mailing address, and a start-up deposit. We’ll have you going in no time. If you have questions prior to visiting you can give us a call at (866) 634-2760.
3. How do I make deposits into my accounts?
   - You can deposit funds into your accounts using our ATM network, online, in person at one of our Idaho First Bank locations, or sometimes over the phone by calling (866) 634-2760.
4. What happens if my debit card is lost or stolen?
   - Your financial security is our main focus. If your debit card is lost or stolen call us immediately at: (866) 634-2760. For all incidents that are reported in a timely manner, we’ll put a hold on the stolen or lost card until you receive the new card.
5. How do I report a lost or stolen debit card?
   - To report a lost or stolen Debit Card during regular business hours please contact our main branch at 208-634-1000. If you need to report your debit card lost or stolen after regular business hours please contact our after hours HotCard number at 800-264-5578..
6. What happens if I forgot my User ID and password?
   - If you can’t remember your password or username, click on the, “Forgot Your Password?” link and that will give you detailed instructions on how to reset you online account information.
7. Do you offer overdraft protection for all types of accounts?
   - This depends on the particular account. If you are afraid you might overdraw funds then you’ll want to look into our First Coverage option and see if it’s available for the particular account type. Overdraft protection is a great way to protect you from having to pay any unnecessary finance charges.
8. Can I link my accounting software with Online Banking?
   - Of course! This is the beauty of our technologically-driven world. We encourage you to register all of your accounts online to make overseeing your funds easier and faster.
9. How do I avoid Email fraud?
   - Email and Web site fraud, often referred to as “phishing,” “carding,” or “spoofing.” Phishing is a criminal sending you an email request that appears to be from a business with which you normally deal with–for example, the Bank, an Internet service provider (ISP), online payment service. These emails instruct you to “update” or “validate” your information, including account information, Social Security number, passwords and other sensitive information via email, or by directing you to a phony Web site that looks like the legitimate business.
   
   By complying with the email instructions, you unknowingly provide this information–not to a legitimate company–but to the thief.
   
   The information is then used to transfer money, make payments, and commit other illegal acts. Email scams may also carry worms or viruses that can further harm you by dropping potentially damaging viruses onto your computer system.
   
10. What do you mean by a phony Web site?
    - Many times email fraud schemes will also include a phony Web page or Web site that is similar to that of a legitimate company, using a URL address that is similar to that of the reputable business. For example, the address of the phony Web site or Web page may use a common misspelling of the company’s name or may add a word, symbol or number before or after the name. Even if you do not receive an email directing you to such a site, you may accidentally mistype the address of a legitimate site in your browser and end up on the phony site. The criminal’s hope is that you will continue to conduct your online transactions as usual, entering personal information, account numbers, and passwords.
11. How can I avoid Web and Email site scams?
    - We continue to provide security controls to protect your information; you can help protect yourself and your accounts by following these guidelines:
    
    • The safest approach is to immediately delete email from unknown sources, before opening the email.
    • Avoid clicking on any links in unsolicited email, particularly emails that ask (either directly or by pointing to a Web site) for personal, financial, or identity information. Instead, directly type the Web site destination into your browser or use a trusted bookmark to verify the site or to log into your account directly.
    • Inspect the company logo, if used in the email or the linked Web site, and compare it to that used on the legitimate Web site of that company. Be suspicious of emails or Web sites if the logo is distorted or looks as if it has been stretched.
    • If you receive an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or Web site address you know to be genuine.
    Reporting Suspicious or Fraudulent Activity Involving Your Idaho First Bank Account If you receive a suspicious message that appears to be coming from Idaho First Bank, or discover a potentially phony Idaho First Bank site, please let us know by calling (208) 634-1000 or emailing us at reportphish@idahofirstbank.com. We take these incidents seriously and work with our internal investigations team and law enforcement agencies to investigate them.
    
    If you suspect fraudulent activity related to your account(s), please contact us immediately.
    Call (208) 634-1000.
    

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