FAQs

Frequently Asked Questions

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 directly.

 

 

General Banking

Q: What if I have more questions or need assistance with my general banking needs?

A: 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.

 

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

A: 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.

 

Q: How do I make deposits into my accounts?

A: You can deposit funds into your accounts using our ATM network, online, on our mobile app, or in person at one of our Idaho First Bank locations. You can also make deposits into any MoneyPass Network ATM surcharge free. Search www.moneypass.com to find the nearest one to you. These funds will be available on the next business banking day. We also offer Bank to Bank transfers that will move funds electronically to/from your accounts at other banks to your accounts at Idaho First Bank. And while you're on the move, use our Idaho First Bank app on your mobile device.

 

Q: How do I report a lost or stolen debit card?

A: To report a lost or stolen Debit Card during regular business hours please contact our main branch at (866) 634-2760. If you need to report your debit card lost or stolen after regular business hours please contact our after hours HotCard number at (866) 546-8273.

 

Q: What happens if I forgot my User ID and password?

A: Contact our Main office at (866) 634-2760 for a reset.

 

Q: Do you offer overdraft protection for all types of accounts?

A: This depends on the particular account. If you are afraid you might overdraw funds then you’ll want to look into our Safeguard Line of Credit 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.

 

Email and Website Safety

Q: How do I avoid Email fraud?

A: 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, the Bank, 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 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.

 

Q: What do you mean by a phony Website?

A: 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.

 

Q: How can I avoid Web and Email scams?

A: 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 (866) 634-2760 or emailing us at customersupport@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 by calling (866) 634-2760.

 

Mobile/Online Banking

Q: What is Mobile Banking?

A: Just as the name implies, 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 log into your accounts 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 or text your bank for information about your accounts.

 

Q: Are there risks with Mobile Banking?

A: As with other forms of online banking, mobile banking has some inherent risks. But these can be minimized using some common sense precautions (see “How do I make Mobile Banking safer?” 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 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.)

 

Q: How do I make Mobile Banking safer?

A: 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 pass-code 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.

 

Q: Can I link my accounting software with Online Banking?

A: 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.

 

Routing Number

Q: What is Idaho First Bank's routing number?

A: The routing number for Idaho First Bank is 124103838.

 

Online Banking

Q: What can I do with Personal Online Banking?

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

 

Q: Do I need anything special to use Personal Online Banking?

A: Not at all. You just need access to the Internet and about five minutes to set up your account.

 

Q: How much does Personal Online Banking cost?

Personal Online Banking is free!

 

Q: Is banking online secure?

A: Idaho First Bank online uses a very high level of Internet browser security in order to protect your personal and financial information. In addition, Idaho First Bank has a firewall 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 well thought out 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 once you have signed into your account. 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 digits and punctuation marks.
  • Avoid any personal information, such as account or Social Security numbers, or passwords containing 9, 16, or 17 numbers in length.
  • Avoid words—in any language—found in the dictionary.

 

Q: Can I begin using the online service immediately?

A: Once you contact us we will set up your online banking account and provide you with a user name and temporary password. Once you log on and change your password you can begin using the service right away.

 

Q: How do I sign up?

A: Simple — contact our office and we will guide you through the process.

 

Q: How do I see my account balance online?

A: You can manage and view your balance online by logging into your account and then clicking on the particular account you want to see. At that page you will find the current balance and all recent transactions that have been processed.

 

Q: What if I forget my password or username?

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

 

Q: Can I view individual details on my checking account?

A: Yes. By logging into your Idaho First Online account you can view all transactions from the past three months. If you need to retrieve information more than three months old, you’ll need to call us at (866) 634-2760, or visit us at one of our Idaho First Bank locations.

 

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

A: 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.

 

Q: Will my loan payment post immediately?

A: Your loan payment will be posted once the funds have been fully transferred. This may take up to two business days depending on your loan and other banking options.

 

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

A: 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.

 

Q: Can I view my bank statements online?

Yes. You can view your balance and all recent activity by logging into your online banking account. Also, you can click on, “View My Statement” and a digital copy of your most recent statement can be reviewed.

 

Personal Checking

Q: Which account is right for me?

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

 

Q: Where can I find additional information on my checking account?

A: You can always stop into one of our banking locations. There are always qualified, friendly personnel ready to assist you, as well as a variety of brochures and reading material regarding our checking solutions. In addition, our Web site holds comprehensive checking account information please visit: www.idahofirstbank.com.

 

Q: How many checks can I write each month?

A: That depends on the type of account that you choose. We have many different account packages to choose from to fit your checking needs.

 

Q: Can I order checks online?

A: Of course! Log onto your account and click the link that says, “Order More Checks Online.”

 

Q: What is my routing number?

A: Your routing number is the nine-digit number printed at the bottom of your checks. A symbol or space will separate this number from the remaining printed numbers. Financial institutions use routing numbers to accelerate the transfer of funds. Your routing number will be used/required when you set up direct deposits, automatic payments, wire transfers, etc.

 

Q: Will an ATM or debit card come with my account?

A: Yes. When you open a checking account with Idaho First Bank, we issue you a debit card that can be used to withdraw funds at any ATM. The debit card will also function like a credit card when making your day-to-day purchases. It’s like writing a normal check, but without all of the paperwork.

 

Q: What type of overdraft protection is available?

A: If you are afraid you might overdraw funds from your account, then you’ll want to look into our Safeguard Line of Credit option. It is a great way to protect you from having to pay any unnecessary finance charges.

 

Q: Do I have to maintain a minimum balance to avoid a monthly fee?

A: This varies depending on the type of checking account you open.Contact our branch and we can help you choose the account that fits your needs.

 

Q: How much do I need to open an Idaho First Bank checking account?

A: This depends on the particular account you are looking to open. You can review detailed information on each account’s requirements on our website, or call us directly at (866) 634-2760.

 

Q: What do I need to open a checking account with Idaho First Bank?

A: 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.

 

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

A: There are no limitations on how often you can make deposits with our personal checking accounts. Access to your account may be restricted if you fall below the required minimum balance or you overdraw from your available funds. For detailed information regarding service fees and minimum balances please give us a call at (866) 634-2760.

 

Personal Savings

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

A certificate of deposit (or CD) is a short- to medium-term, interest-earning, FDIC-insured investment. CDs offer a higher interest rate than other liquid savings accounts, as well as provide a guaranteed rate for a specific term. If you’re looking for a higher return rate with a guaranteed return and don’t need regular access to your money, then you should consider a CD.

 

Q: How much do I need to open a Certificate of Deposit Account?

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

 

Q: What if the rate goes up and my CD account hasn’t yet matured?

A: On selected terms of Idaho First Bank’s Traditional CD, you can maximize your earnings by bumping up the interest rate of the account to the higher (current) standard rate for your type of term balance. For special offers, rates may not be bumped to promotional rates.

 

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

A: This varies with the current rates and restrictions for all CD’s. To get detailed information regarding present-day percentages, service fees, and minimum balances please give us a call at (866) 634-2760.

 

Q: Do I have to keep a minimum balance in my Money Market account?

A: Not unless you want to evade a monthly fee. You can withdraw your entire available balance anytime. But remember, there’s a minimum balance required to waive the monthly fee.

 

Q: How can I access my funds?

A: You can access your funds at any Idaho First Bank location ATM, by phone, or by writing a check. However, 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 regulations on our Money Market Accounts.

 

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

A: 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 Money Market account, we can set up a schedule to fit your personal financial needs.

 

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

A: This varies with the current rates and restrictions for all Money Market accounts. For detailed information regarding present-day percentages, service fees, and minimum balances please give us a call at (866) 634-2760.

 

Q: What do I need to open a savings account with Idaho First Bank?

A: 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.

 

Q: Can I access my funds anytime?

A: Yes. However, certain restrictions may apply. For example, you must stay above your account’s minimum balance requirement, as well as limit your savings account withdrawals to six per month.

 

Q: How much do I need to open a savings account?

A: Depending on the type of account that you are looking to open, this can vary. Contact us via phone at (866) 634-2760 or visit us in person to find out the current requirements.

 

Q: How often can I make deposits?

A: There is no limit to the number of deposits, nor the amount of the deposits, that you can put into your Idaho First Bank Savings account.

 

Q: Do I have to maintain a minimum balance to avoid a monthly fee?

A: Yes. However, the rates depend on the type of savings account you open. For more information review information on present-day percentages, services fees, and minimum balances on our website, or call us at (866) 634-2760.

 

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

A: 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 Money Market account, we can set up a schedule to fit your personal financial needs.

 

 

 

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