First Bank Yuma Best Banking Guide for Potential Custom

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First Bank Yuma Best Banking Guide for Potential Customers.

First Bank Yuma: This bank was founded in order to ease your savings. You have a choice to make after reading this article. If you have them at heart, then you should first of all read this in order to know more about them as well as how you can operate business or personal account with them.

Concise History of First Bank Yuma

1st Bank Yuma was formed in 2001 by a group of local businessmen and businesswomen to fill what they perceived to be a gap in banking services in Yuma County. The bank expanded our market area in 2015 and purchased a First Fidelity Bank branch in Nogales, AZ.

Today they have five branch locations, $360 million in total assets and serve over 15,000 accounts. Since their formation, their staff, management, directors and shareholders are not only committed to the communities they serve, but “Making a Difference” in those communities. This “Making a Difference” vision emanates from their CEO Terry Frydenlund’s corporate culture and the example set by their Board of Directors.

They are very proud of the fact that four prior “Philanthropists of the Year” (Donald Soldwedel, Stephen P. Shadle, Ronald Martin & Danny Bryant) either served or have served on the bank’s board of directors. More recently, the Yuma Sun named their current chairman of the board, Danny Bryant, the 2018 Yuma County Citizen of the Year.

Business Checking with First Bank Yuma

Specialized checking accounts mean more extras where you need them the most. Low opening deposit? They’ve got it. Checking that pays you interest? They have that too.

Apply Here

1st Business Checking with First Bank Yuma

• Ideal for small businesses and organizations with minimal activity
• Detailed statements mailed at month-end
• Free check images included with statement
• 200 overall transaction per month (includes deposits, checks, and debits)
• Excessive transactions: $1.00 each
• $5.00 monthly maintenance fee
• Monthly fee waived with eStatement
• No minimum balance requirements
• Online banking – No Charge
• Bill Pay
• Business MASTERCARD Debit Card

1st Analysis Checking

• Designed for commercial businesses requiring specialized services; multiple accounts can be combined to offset activity fees
• Earnings credit based on ledger balance (minus 10% reserve requirement) which helps offset actvity fees
• Detailed statement mailed at month-end
• Free check images included with statement
• If transaction costs exceed earnings credit:
  • Monthly maintenance fee of $12.00
  • .14 per debit
  • .50 per deposit/.35 per Mobile Deposit
  • .20 per deposited item
  • Online Banking – No Charge
  • Bill Pay
  • See schedule of Fees and Service Charges for additional services available

1st Business Interest Checking

• Available to sole proprietors, non-profit organizations and government agencies
• Earns interest on Daily Ledger Balances – paid monthly
• Unlimited check writing
• Monthly maintenance fee of $12.00 (if minimum balance of $1,500.00 not met)
• Detailed statement mailed at month-end
• Free check images included with statement
• Online Banking – No Charge
• Bill Pay

1st Business Money Market Account

• Tiered interest rates based on balance ranges beginning at collected balance of $2,500.00. Tiered Structure – $2,500; $10,000; $25,000; $50,000; $100,000+
• Federal Regulations require a limit of 6 preauthorized withdrawals per month
• Interest paid monthly on daily ledger balance
• Monthly maintenance fee of $10.00 (if minimum daily balance of $1,500.00 not met)
• Excessive transactions: $10.00 each after 6
• Detailed statement mailed at month-end
• Free check images included with statement
• See Terms and Conditions Brochure for Additional Limitations

First Bank Yuma Business Checking Comparisons

Business Savings with First Bank Yuma

To meet their business customer’s savings needs, they offer a wide range of banking services, including a variety of deposit accounts. Whether you are a small business or a large commercial business, they have the Business Savings accounts that put you 1st.

1st Select Business Savings

• Interest earned on daily ledger balances and compounded quarterly
• Quarterly statement (monthly if Electronic Funds Transfer activity occurs)
• Monthly maintenance fee $3.00 (if minimum daily balance of $300.00 not met)
• Federal Regulations require a limit of 6 pre-authorized withdrawals per month
• Excessive withdrawals fee (more than 6 per month) $3.00 each

View Rates & Fees

1st Elite Business Savings

• No maintenance fee
• Interest earned on daily ledger balances of $50,000.00 or more and compounded quarterly
• Tiered interest rates based on balance ranges beginning at $50,000.00
• Tiered structure. $50,000; $100,000; $250,000; $500,000+
• Quarterly statements (monthly if electronic transaction occur)
• Federal Regulations require a limit of 6 pre-authorized withdrawals per month
• See Terms and Conditions Brochure for Additional Limitations
• Excessive withdrawal fee (more than 6 per month) $10.00 each

View Rates & Fees

First Bank Yuma Business Savings Account Comparisons

Business Loans with First Bank Yuma

1st Bank Yuma is committed to helping the business community become even more successful. To that end, they offer a wide variety of loans to our commercial and small business customers consistent with their desire to develop a long term “business relationship” with local ownership, management and decision making capabilities. 1st Bank Yuma can structure business credit to meet YOUR needs.

• Operating Lines of Credit
• Equipment Loans/Leases
• Commercial Real Estate
• Commercial Construction
• Land Development
• Farm Loans
• Small Business Loans
• SBA 504
• Minimum loan amounts of $50,000
• Personalized attention

Personal Checking Accounts with First Bank Yuma

Specialized checking accounts mean more extras where you need them the most. Low opening deposit? We’ve got it. Checking that pays you interest? We have that too.

Apply Here

1st Rate – Rewards Checking

The purpose of the account is to offer our customers the “rewards” of a higher rate on a checking account that is used like any other checking account, with certain expectations and requirements. Those requirements are:

• Direct Deposit
• Signing on to Online Banking at least once a month
• Receiving eStatements
• Having 15 or more POS transactions posted (and settled) to your account per statement cycle
• Must be a Yuma County Resident to open this account.

If account does not meet requirements during monthly cycle a .05% APY will be earned on entire balance. 1.50% APY* PAID ON BALANCES up to $25,000

Examples of expectations include deposits and withdrawals throughout the statement cycle, such as direct deposit of paychecks or Social Security checks, etc., along with POS debit transactions throughout the month of varying amounts at various retailers.

This does not include transactions such as multiple small-dollar POS transactions at the end of the statement cycle in order to earn the higher APY, which would not be consistent with the design of the account. If this should happen, you will receive a courtesy letter from the bank, reminding you of the intended purpose of the account and that it may be subject to closure at the bank’s discretion.

1st Exclusive Checking

• $100.00 minimum opening balance
• Unlimited check writing
• MASTERCARD Debit Card
• Check images included with monthly statements *no charge
• $7.00 monthly maintenance fee
• Monthly fee waived with eStatements
• No minimum balance requirements

1st Senior Checking

• $100 Minimum opening balance
• Offered to persons 55 and over
• $5.00 Monthly Maintenance Fee
• Monthly fee waived with eStatements
• No Miminum Balance requirements
• Unlimited check writing
• Logo Checks – No charge for one box per year
• MASTERCARD Debit Card
• Check Images included with Monthly Statements – No Charge

1st Executive Checking

• $1,000 Minimum opening balance
• Minimum to Earn Interest $1,500
• Earns Interest on Daily Ledger Balances – Paid Monthly
• Unlimited check writing
• Maintenance Fee $10 (if minimum daily balance of $1,500 not met)
• MASTERCARD Debit Card
• Check Images included with Monthly Statement – No Charge
• Free Cashier’s Checks and 25% Discount on annual rental fee for Safe Deposit Box

1st Elite Checking

• $5,000 Minimum opening deposit
• Minimum to Earn Interest $5,000
• Primary Account Needed for Relationship with 1st Elite Savings
• Maintenance Fee $15 (if minimum daily balance of $5,000 not met or combined balance of $25,000 – excluding CD’s)
• Earns Interest on Daily Ledger Balances or $5,000 or more – Paid monthly
• MASTERCARD Debit Card
• Unlimited Check Writing
• Check Images Included in Monthly Statement – No Charge
• Free Casheir’s Checks
• Free 1st Bank Yuma Logo Checks (one box per order).

1st Premium Money Market Account

• Tiered interest rates based on balance ranges beginning at ledger balances of $1,500. (Daily Ledger Balance) Tiered Structure: $1,500; $10,000; $25,000; $50,000:+ and $100,000+
• Federal Regulations require a limit of 6 preauthorized withdrawals per month
• Monthly Maintenance fee of $10 if minimum daily balance of $1,500 not met
• Excessive Transactions $10.00 each after 6

First Bank Yuma Business Checking  Account Comparisions

Personal Savings Accounts with First Bank Yuma

Build your personal savings with a return you can count on. Get started with a Savings Account that offers plenty of additional features. Easily transfer funds, make scheduled automatic deposits, and watch your money grow.

1st Select Savings

• Interest earned on daily ledger balances and compounded quarterly
• Quarterly statement (monthly if Electronic Funds Transaction activity occurs)
• Maintenance Fee $3.00 (if minimum daily balance of $300.00 not met)
• Federal Regulations require a limit of 6 pre-authorized withdrawals per month
• Excessive withdrawals fee (more than 6 per month) $3.00 each

1st Rewards Savings

• Designed to help customers save for special occasions
• Interest earned on daily ledger balance and paid quarterly
• $100.00 minimum to keep account open
• No Maintenance Fee
• Additional deposits may be made at any time, in any amount
• Balance minus $100.00 (minimum to keep account open) is transferred annually to a designated 1st Bank Yuma account – on the day that you choose.
• 1 Free withdrawal per year
• Excessive withdrawal fee of $10.00 per transaction

1st Elite Savings

• *Relationship Account Only – 1st Elite Checking Account required
• Interest earned on daily ledger balance of $50,000.00 or more and compounded quarterly
• No Maintenance Fee
• Tiered interest rates based on balance ranges beginning at $50,000.00
• Tiered structure: $50,000; $100,000; $250,000; $500,000+
• Quarterly statement (monthly if electronic transactions occur)
• Federal Regulations require a limit of 6 Pre-Authorized withdrawals per month
• Excessive withdrawal fee (more than 6 per month) $10.00 each

First Bank Yuma Personal Savings Account Comparisons

 Mobile Banking with First Bank Yuma

We’ve been hard at work building the next generation for Mobile Banking. It’s got an improved look and feel, as well as support for biometrics – including FaceID.

Added Functionality

• Touch ID and Face ID
• New elegant design
• Alert management
• Manage statement preferences
• Ability to conduct Internal-to-Internal (i2i) transfers
• View spending & set budgets through MoneyDesktop
• Submit Travel Notifications
• Request a printed copy of a Statement
• Ability to place Check Stop payments
• Update Profile including change username, password, email, account description etc.

Features with a refreshed look

• Deposit checks using your phone
• View statements
• Account balances and information
• Time-filtered account history
• Real-time transfers for internal and external accounts
• Person-to-Person (P2P) transfers
• Loan payment

First Bank Yuma Frequently Asked Questions

Ques.: How do I get the 1^st Bank Yuma Mobile App?

The 1^st Bank Yuma mobile app is now available for download in the google play and the Apple app stores.

Ques.: What is the difference between Mobile Web and the Mobile App?

Mobile web is accessed using only your browser. The biggest difference is that the Mobile App allows you to submit mobile deposits on your device. You cannot use Mobile Deposit without installing the 1^st Bank Yuma Mobile App. 

Ques.: How do I submit Mobile Deposits?

Login to the 1^st Bank Yuma mobile app and navigate to Mobile Deposit & take the following steps with your check:

• Sign your check and include “For Mobile Deposit Only at 1^st Bank Yuma” prior to depositing

• Keep the check in a secure location for 30 days to give it time to clear the maker’s account

• Write VOID on the front of the check and either destroy it or keep it in a secure location for your records

Ques.: How quickly will the funds be in my account?

In normal processing the funds from your deposited check will be in your account same business day if the check is approved. To ensure proper processing, please make sure that the images of the front and back of your check are clear and include all four corners of each side.

Ques.: How does my institution use the pictures I take to make a deposit into my account?

On October 28th, 2004, the Check Clearing for the 21st Century Act or Check 21 went into effect. This law was designed to enable banks to handle more checks electronically and make check processing faster and more efficient.

Because of Check 21 your institution is able to use the images captured on your phone to convert your check into a Check 21 image and process it electronically as a replacement of your paper check.

Ques.: Can the funds come back out of my account once they show deposited?

Yes. As a service to our customers, we give next day funds availability to the checks you deposit. As with paper checks, there is still the opportunity for the institution that holds the account the check is drawn off of to return the check because of insufficient funds or other reasons. The process for recovering the funds from these checks is the same as if you deposited a paper check.

Ques.: If I receive an error when trying to deposit my check, what should I do?

The most frequent error is caused by an invalid image. Make sure that your check is against a solid background such as a table, that the image is focused, and that all four corners of the check are visible.

If the image is good you may be getting an error that tells you the check cannot be deposited at this time. Wait several minutes and try submitting the check again. If errors persist, please contact your institution.

Ques.: What is Mobile Web?

Mobile Web is a new service that allows you to complete Internet banking transactions through a Web-enabled mobile device. You can access mobile web by navigating to this URL on your device: https://m.1stbankyuma.com

Ques.: Mobile Web is active, now what?

Login using the appropriate links at the top of this page. If you cannot login please call us at 1-866-384-3226.

Ques.: How much does it cost?

No additional fees or costs are associated with activating and using Mobile Web.

Ques.: How do I access Mobile Web on the mobile device?

Go to https://m.1stbankyuma.com. That will launch the mobile version of the site. Enter your Internet Banking username and password to login. After logging in, a list of accounts to which you have access will appear.

Ques.: What kind of mobile devices can use the Mobile Web service?

Most Web-enabled phones or other devices with a WAP 2.0 and XHTML-MP compatible browser can use Mobile Web. You must have an active data plan through your service provider to utilize Mobile Web.

Ques.: Can I change my Mobile Web username and password?

Yes. Changing the username or password for Internet Banking settings will also change your settings for Mobile Web.

Ques.: What types of accounts can I access with Mobile Web?

You can access personal or business accounts through your mobile device.

Ques.: What types of transactions can I perform through my mobile device?

In addition to viewing account information, you can make loan payments, transfer funds, and send a p2p payment and more.

Ques.: Can account history information be accessed through Mobile Web?

Yes. You can view a variety of information about past transactions, including the transaction date, description, and amount. You can also search history by account type or date range.

Ques.: What happens when I use an invalid username or password to access the site?

An error message appears indicating that invalid logon credentials were used, and the system does not allow logon.

Ques.: How can I provide feedback on Mobile Web?

After logging on, you can use the User Feedback option to send us any suggestions for improvement.

Ques.: What kind of security is included with Mobile Web?

Mobile Web includes the following security features:

• 256-bit encryption.

• Password protection.

• Automatic session expiration. The application will time out if the customer has not used the application for several minutes.

• Privacy protection. No private data is stored on the mobile device.

• Masked account numbers. It masks account numbers with X’s whenever practical within the application.

• Multi-factor authentication. Mobile Web provides a multi-factor authentication feature that appears whenever the user attempts something unusual, such as using a different mobile device or accessing the site from a new IP address. This feature asks the customer personal questions, and in order to continue, the answers must match the ones they entered when they signed up for the service.

First Bank Yuma Contact Info

Main Office

ATM & Night Depository Located Onsite

Address: 2799 S. 4th Avenue Yuma, AZ 85364

(928) 783-3334

[email protected]

Fax: (928) 783-4446

Lobby Hours

Monday 9:00 AM – 4:00 PM
Tuesday 9:00 AM – 4:00 PM
Wednesday 9:00 AM – 4:00 PM
Thursday 9:00 AM – 4:00 PM
Friday 9:00 AM – 6:00 PM
Saturday Closed
Sunday Closed

Drive Through Hours

Monday – Thursday 8:30 AM – 4:30 PM
Friday 8:30 AM – 6:00 PM

San Luis Branch

ATM & Night Depository Located Onsite
P.O. Box 3840

Address: 645 N. William Brooks Ave. San Luis, AZ 85349

(928) 344-2888

[email protected]

Fax: (928) 627-7570

Lobby & Drive Thru Hours

Monday 9:00 AM – 4:00 PM
Tuesday 9:00 AM – 4:00 PM
Wednesday 9:00 AM – 4:00 PM
Thursday 9:00 AM – 4:00 PM
Friday 9:00 AM – 6:00 PM
Saturday Closed
Sunday Closed

Fortuna Branch

ATM & Night Depository Located Onsite
P.O. Box 25126

Address: 11600 S. Fortuna Road Yuma, AZ 85367

(928) 783-3335

[email protected]

Fax: (928) 342-6095

Lobby & Drive Thru Hours

Monday 9:00 AM – 4:00 PM
Tuesday 9:00 AM – 4:00 PM
Wednesday 9:00 AM – 4:00 PM
Thursday 9:00 AM – 4:00 PM
Friday 9:00 AM – 5:00 PM
Saturday Closed
Sunday Closed

The most-obvious change is the huge improvement to the look and feel of their bank. From the subtle patterns, to the look of the staff, they’ve taken great care to make sure you got the best banking experience. If this was helpful, kindly share via social media handles for others to benefit.

CSN Team.

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