ALERT: Fraud texts and phone calls are on the rise!  Don’t be fooled.  The numbers that are given could be coming from Hawaii or other states.  Do not reply.  Do not give out your information.  If you receive any calls or text messages saying your card has been compromised, call the bank immediately.  If they state they will give you a temporary password and/or ask for your login information, contact your bank and/or banker immediately!  For all questions, call us at 208.634.1000.

FAQs

We’re always working to anticipate your needs. If you have a question that doesn’t appear on this page, please reach out to us at 866.634.2760.

Routing Number

What is Idaho First Bank's routing number?

The routing number for Idaho First Bank is 124103838.

 

 

General Banking

How do I open an account with Idaho First Bank?

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 seven Idaho First Bank locations.

 

How do I open a savings or checking account with Idaho First Bank?

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, please give us a call!

 

How do I make deposits into my accounts?

You can deposit funds into your accounts using our ATM network, our mobile app, or in person at one of our Idaho First Bank locations. You can also make deposits into participating MoneyPass Network ATMs surcharge-free. Search moneypass.com to find the one nearest you. We also offer Bank-to-Bank transfers that will move funds electronically to and from your accounts at other financial institutions. And while you're on the move, use our Idaho First Bank app on your mobile device.

 

Can I arrange for a specific dollar amount to be deposited automatically into my account?

Whether online, over the phone, or in person—you can set up a wide variety of automatic fund transfers. From direct deposits, to putting money in your account, we can set up a schedule to fit your personal financial needs.

 

How do I report a lost or stolen debit card?

To report a lost or stolen debit card, please contact our main branch at (866) 634-2760 during regular business hours 8am-5pm MST Monday through Friday. If you need to report your debit card lost or stolen after business hours, please contact our after-hours HotCard number at (866) 546-8273.

 

 

Online Banking

What can I do with Online Banking?

Online Banking is the key to convenience. From anywhere that you have Internet access you’ll be able to manage all your accounts. With our online system you can view your balance, transfer funds, and even pay your bills with ease!

 

Can I link my accounting software with Online Banking?

Of course! We encourage you to register all your accounts online to make overseeing your funds easier and faster.

 

Is Online Banking secure?

Idaho First Bank uses a very high level of Internet browser security to protect your personal and financial information. In addition, Idaho First Bank has firewalls in place to prevent unauthorized entry to our systems and all data is transferred using SSL (Secure Socket Layer) protocol.

 

Beyond our efforts to protect your information, you can help prevent security breaches by creating a complex password. Remember, your password doesn’t just enable you to access your online services, it also helps keep out unauthorized people. We recommend that you change your password every few months, which can be done online. Additionally, here are some guidelines to making a strong password:

  • Avoid familiar names or facts about yourself.
  • Create a password that is as long as possible.
  • Include upper- and lower-case letters.
  • Include numbers and special characters.
  • Avoid any personal information, such as account or Social Security numbers.
  • Avoid words—in any language—found in the dictionary.

 

Can I begin using Online Banking immediately?

Yes! Once you contact us to set up your online banking account, we will provide you with a username and temporary password. Once you login and change your password, you can begin using the service immediately.

 

How do I sign up?

Simple — call us or visit one of our locations and we will guide you through the process.

 

How do I see my account balance online?

If you can’t remember your password or username, call the main office at (866) 634-2760 and we will reset it for you.

 

Can I view individual details on my checking account?

Yes. By logging into your account online you can view all transactions from the past three months. If you need to retrieve information more than three months old, please call or visit an Idaho First Bank branch.

 

Can I view individual details on my Savings, CD or Money Market Accounts?

Once you set up an online username and password, you can customize the information that is displayed. This enables you to view and manage all the funds you have invested in Idaho First Bank accounts on one page.

 

Can I make online payments toward my Idaho First Bank loans?

This is the beauty of online banking! After creating an online account, you can transfer funds between accounts, pay your bills, and yes, even pay your Idaho First Bank loans.

 

Can I view my bank statements online?

Yes. You can view your statements, current balances, and all recent activity by logging into your account.

 

 

Mobile Banking

What is Mobile Banking?

Mobile Banking is a system that allows customers of a financial institution to conduct financial transactions through a mobile device such as a mobile phone, a personal digital assistant or a computer tablet. In general, there are three ways mobile banking can provide this convenient access to your accounts:

  • Mobile app: Some banks may offer a special “app” (a software application designed for a specific purpose), allowing you to login to your accounts, deposit checks, and conduct business.
  • Mobile web browser: This allows you to login to your account through the internet using your phone’s browser and internet connection.
  • SMS/text: You can set up text alerts for information about your accounts.

 

Are there risks with Mobile Banking?

As with other forms of banking online, Mobile Banking has some inherent risks. But these can be minimized using some commonsense precautions (see below). A major factor contributing to the risk of mobile banking is the failure to treat a cell phone or tablet like a computer. Consider the following:

  • As much as 36% of users don’t lock their devices with a simple PIN or password.
  • Few consumers have any form of anti-malware software on their mobile devices and, with little consideration for security, many are willing to download apps from virtually any source.
  • Because they are mobile, cell phones and tablets are regularly used on public networks, which are inherently less secure.
  • Customers are far more likely to lose a mobile phone than a laptop.
  • If your mobile phone is lost or stolen, you could fall prey to identity theft and account hijacking. And beyond accessing your online accounts, thieves can access other saved passwords and sensitive information. To guard against this, explore one of the many security apps that will erase the device’s content remotely.

 

How do I make Mobile Banking safer?

The good news is that you can protect your information and your device by taking a few simple precautions, just as you would on your computer.

  • Don’t get phished – Avoid clicking on links in text messages or emails, since these links may lead to malicious websites or downloads.
  • Don’t save login information on your mobile device, especially to online banking or e-commerce sites.
  • Have a passcode on your device and set it to auto-lock after a certain period of time.
  • Before downloading any app, make sure it is from a known provider, then read the app’s privacy policy to make sure that it is not sharing your personal information.

 

 

Personal Checking

Which account is right for me?

Because everyone’s financial needs are different, Idaho First Bank has several checking accounts to choose from. Check out our personal checking options online. If you’re still not sure, give us a call at (866) 634-2760 or visit one of our Idaho First Bank locations.

 

Can I order checks online?

Please call us or visit your nearest branch and we will happily order checks for you!

 

Will a debit card come with my account?

Yes. When you open a checking account with Idaho First Bank, we issue you a Visa debit card that can be used for daily purchases and to withdraw funds at any ATM. You will also have access to the security of Visa’s Zero Liability protection, so you won’t be held responsible for unauthorized purchases.

 

What type of overdraft protection is available?

If you are afraid you might overdraw funds from your account, we encourage you to consider our Safeguard Line of Credit option. It is a great way to protect you from having to pay any unnecessary overdraft charges.

 

 

Personal Savings

How much do I need to open a savings account?

Depending on the type of account that you are looking to open, this can vary. Visit our website for more information on minimum balances.

 

How can I access my funds?

You can withdraw funds from your accounts at any Idaho First Bank ATM or in person at one of our branch locations. Certain savings accounts offer the added convenience of a Visa debit card and check writing capabilities.  Debit cards can be used to withdraw funds at any MoneyPass Network ATM surcharge-free. Search moneypass.com to find the one nearest you. We also offer Bank-to-Bank transfers that will move funds electronically to your accounts at other financial institutions.

 

There may be limitations to the number of transactions you can make within a specified time period. Call us at (866) 634-2760 for the current withdrawal and transfer limitations on our personal savings accounts.

 

How often can I make deposits?

There is no limit to the number or dollar amount of deposits that you can put into your Idaho First Bank account. You can set up a wide variety of automatic fund transfers online, over the phone, or in person at one of our branch locations.  You can also make deposits 24/7 using the Idaho First Bank mobile app.

 

 

Certificates of Deposits

What is a certificate of deposit (CD) and why should I invest in one?

A certificate of deposit (CD) is a short- to medium-term, interest-earning, FDIC-insured investment. CDs typically offer a higher interest rate than other liquid savings accounts and provide a guaranteed rate for a specific term.

 

How much do I need to open a CD?

This depends on the amount of money you are able to invest. Contact us for more details.

 

How often can I make deposits and/or access my funds?

This varies with the current rates and restrictions for all CDs. To get detailed information regarding current rates, service fees, and minimum balances please call us at (866) 634-2760.

 

 

Email and Website Safety

How do I avoid email fraud?

Email and website fraud are 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, a financial institution, an Internet service provider (ISP), or 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 website 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 installing potentially damaging viruses onto your computer system.

 

What do you mean by a phony website?

Many email fraud schemes will include a phony website 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 website 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.

 

How can I avoid Web and Email 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 website) for personal, financial, or identity information. Instead, directly type the website 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 website, and compare it to that used on the legitimate website of that company. Be suspicious of emails or websites 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 personal 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 address you know to be genuine.

 

 

Reporting Suspicious Or Fraudulent Activity Involving your Idaho First Bank Account

If you suspect fraudulent activity related to your account(s), please contact us immediately by calling (866) 634-2760.

 

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 call or email us immediately at customersupport@idahofirstbank.com. We take these incidents seriously and work with our internal investigations team and law enforcement agencies to investigate them.

 

 

 

©2022 Idaho First Bank.  Member FDIC.  Equal Housing Lender.  Routing Number: 124103838

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