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Additional Services

Online Banking & Bill Pay

Online Banking & Bill Pay

The convenience of online banking will free up more time for all the other things in life that you enjoy. At any time that’s convenient for you, check account balances, view transaction history, transfer funds, pay bills, and more. This extra convenience is available to you for free, and makes banking manageable from anywhere with internet access.

Online Banking Summary

  • Fast, free, and secure for First Bank of Baldwin Customers
  • Check account balances
  • View your statements online
  • See if a check or transaction has cleared
  • Review transaction history
  • View images of cleared checks online
  • Transfer funds
  • Order checks

Bill Pay Summary

  • Pay one-time or recurring bills 24/7*
    * Bill pay is free if used at least once per statement cycle, if not used once per statement cycle there is a $5.95 charge.
  • Set up payment alert emails by payment due date
  • Maintain a database of payment recipients
  • Add, delete, or modify payees
  • View pending payments
  • Save money on postage materials
  • Ensure that payments are received on time

Click here or contact any First Bank of Baldwin banker to get started today.

eStatements

eStatements

Switch to eStatements and cut the unnecessary piles of paperwork. eStatements allow you to access your bank statements at any time from anywhere with internet access. Eliminate the paper trail of information, reduce clutter and replace it with added security to help you safeguard your identity. Plus, eStatements are much better for the environment than their paper counterparts.

eStatement Summary

  • Free, secure and easy-to-use service for First Bank of Baldwin customers
  • Access to statements, anytime from anywhere with an internet connection
  • Immediate access statements; no waiting on the mail
  • Receive a monthly email notice when a new eStatement is ready to view
  • Eliminate paper storage hassles and time wasted organizing or searching for a particular statement
  • Reduce a paper trail of your private information; more secure
  • Less paper is more environmentally friendly
  • Easily print or download to your computer or other storage device
1st Line 24 Hour Phone Banking

1st Line

1st Line 24 Hour Phone Banking is a free service that gives you the flexibility to access your accounts anytime from anywhere you have phone service. 1st Line gives you the power to access your accounts to check balances, check transaction history, transfer funds, and check loan information. Call one of our friendly bankers to get set up today and then start using the toll free 855-368-6528.

1st Line Summary

  • Free, secure and easy-to-use service for First Bank of Baldwin customers
  • Check balances
  • Check transaction history
  • Transfer funds between First Bank of Baldwin accounts
  • Check loan information
  • Access Certificate of Deposit information
  • Available 24 hours a day from anywhere you are at any time you choose
  • Must have your account enrolled by First Bank of Baldwin employee before use
  • Once enrolled call toll free 855-368-6528
Mobile Banking App

Mobile Banking App

Simplify your life by managing your finances in a safe, secure environment-24 hours a day, seven days a week.

The First Bank of Baldwin App lets you manage your personal finances in a way that fits your on-the-go lifestyle and getting started is simple!

From your mobile device, visit the iTunes or Google Play store to download the app. There is no hardware to buy or subscribe to. If you are already a registered online banking user, once you download the app, you can automatically begin checking your balances, transferring funds, and depositing checks using the same user ID and password as your current online banking account. If you are not an online banking customer yet go to www.firstbankbaldwin.com and sign up to get started today.

Mobile Deposit

Simply take a picture of the front and back of the check using your smartphone, receive a validation that the images are good and submit. Deposits will post after 6:30pm central standard time (CST) on deposits made before 5:00pm CST that business day, anything after will post after 6:30pm CST on the next business day.

Please write “for mobile deposit only” with your signature on the back of the check before depositing.

Store check in a secure place for 30 days after depositing, after 30 days shred.

Mobile Deposit Limits

  • $2,000 per check deposit
  • $5,000 per day
  • $10,000 per month

Summary

  • Free, on-the-go access to your First Bank of Baldwin accounts
  • Available to customers enrolled in online banking
  • Compatible with most web enabled mobile phones
  • Conveniently manage your accounts through your mobile device:
  • Check account balances
  • Transfer funds
  • View recent transactions
  • Deposit Checks
  • Safe and secure service
Overdraft Protection

Overdraft Protection

Overdraft Protection lets you link your savings or money market account to your checking account to help protect against overdrawing. If your checking account becomes overdrawn, and you have sufficient funds available in your savings or money market accounts, the funds will be automatically transferred to your checking account. This ensures your payments are made, and it saves you overdraft charges. No credit approval is required.

How to set it up: To open a savings or money market account and activate overdraft protection, visit your local First Bank of Baldwin location.

Ready Reserve

Ready Reserve

With Ready Reserve, you can avoid the expense of overdrawing on your account with an unsecured credit line of up to $5,000.* It’s like giving yourself a loan when you need it most. A Ready Reserve is a revolving line of credit available to add on to any First Bank of Baldwin personal checking account. It serves as a line of credit, but also provides peace of mind with the security of overdraft protection.
* Subject to credit approval. Items will be paid up to a certain limit. There are fees associated with this service; please see your personal banker for details.

To apply for Ready Reserve, or increase your current limit, simply contact your local First Bank of Baldwin banker.

Direct Deposit

Direct Deposit is the most reliable, accurate, confidential, and convenient way to receive pay.

Why should I sign up for Direct Deposit?

To get your money faster.
Your payroll is available to you early on the payment date. There is no waiting to pick up the check or waiting for the mail to arrive.

To simplify your life.
You don’t have to sign or deposit checks-your payroll is automatically credited to your account. If you are sick or away, your pay is available to you on payment date. It’s one less thing you have to handle.

To be safe.
There are no checks to be lost, stolen or delayed. Direct Deposit is the safe, sure way to get paid.

To save time.
No more special trips to the bank to make a deposit or to work to pick up the check. With Direct Deposit, you have time to spare.

Questions and Answers

Q. Do I have to open an account with a certain bank?

A. No. Most banks, credit unions and S&L’s offer Direct Deposit. Chances are the financial institution where you have your account is one of them

Q. If I don’t deposit my check to my account myself, how do I know for sure the money is available? I don’t want my checks to bounce.

A. Direct Deposit is truly more reliable than checks. But it may take some time to get used to it and become confident in it. Your pay will be in your account early each payment date. For the first payment or two, you might want to contact your bank or internet site to verify the deposit, for your own peace of mind. Soon you’ll take it for granted that your money is there.

Q. Without a check, how will I know the amount of my pay?

A. Your employer will still give you a nonnegotiable stub, similar to what you receive now. Also, your checking or savings statement will show the amount of the deposit.

Q. What if I want to change banks or accounts?

A. The HR department will be glad to help you make changes to your Direct Deposit at any time.

Q. Can I stop Direct Deposit?

A. Yes. You can go back to checks anytime you wish. Once you see how convenient and reliable Direct Deposit is, we don’t think you’ll ever want the inconvenience of checks again.

Q. I consider how much money I receive to be confidential. Will Direct Deposit infringe on my confidentiality?

A. No. In fact, it may enhance it. Payroll information goes directly from your payroll processor to your financial institution electronically. No one can see your check when you open it, sign it or deposit it.

Q. Can I have my payroll deposited to my savings account rather than my checking account?

A. Yes. Your payroll will be deposited to whichever account or 2 accounts that you specify when you sign up.

Q. Who can answer additional questions?

A. Your Human Resources Department is the first place to start, also your financial department or our bookkeeping/ACH department at the First Bank of Baldwin.

Miscellaneous Services

First Bank of Baldwin offers several additional services to meet all your banking needs. If you have any questions please contact one of our local branches for assistance today.

  • Debit cards
  • Visa® credit cards
  • Night depository
  • Safe deposit box rental
  • Personal money orders
  • Cashiers checks
  • Automatic transfers and payments
  • Travel cards
  • Gift cards
  • Wire transfers
  • Stop payments
  • Account balancing assistance
  • Faxing
  • Copies
  • Notary public commissions