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Amerifirst Bank

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About

Amerifirst Bank is a community bank based in Union Springs, Alabama. It offers a range of financial products and services to its customers, including personal and business checking and savings accounts, loans, mortgages, debit and credit cards. The bank also offers online banking services, mobile banking app, and a 24-hour telephone banking service to help customers manage their finances.

One unique feature of Amerifirst Bank is its commitment to supporting the communities it serves. The bank participates in various community outreach programs, including financial education seminars and supporting local charities and organizations. The bank also offers a community rewards program, which allows customers to earn rewards for using their debit card and then directs a portion of those rewards to local charities of their choice.

Overall, Amerifirst Bank is a reputable community bank that offers a range of financial products and services to its customers while also prioritizing community support and outreach.

Key Features

Some of the key features of Amerifirst Bank are:

  1. Personal and Business Banking. The bank offers a range of banking services to both individuals and businesses, including checking and savings accounts, loans, and investment services.
  2. Investment Services. Amerifirst Bank partners with Raymond James to provide investment services, including financial planning, investment management, and retirement planning.
  3. Community Involvement. The bank is committed to its local community and provides support to local organizations and events.
  4. Online and Mobile Banking. Amerifirst Bank offers online banking and mobile banking options for added convenience.
  5. Convenient Locations. Amerifirst Bank has multiple locations in the Union Springs, Alabama area for easy access to its services.

Requirements

To open an account with Amerifirst Bank, you will need to meet the following requirements:

  1. Identification. You will need to provide valid identification, such as a driver's license, passport, or state-issued ID, to open an account.
  2. Minimum age. You must be at least 18 years old to open a personal account with Amerifirst Bank. However, minors can open accounts with a parent or guardian as a joint account holder.
  3. Residency. You must be a legal resident of the United States to open an account with Amerifirst Bank.
  4. Minimum Deposit. Amerifirst Bank may require a minimum deposit to open an account, which can vary depending on the type of account you want to open.
  5. Social Security Number. You will need to provide your Social Security number or tax identification number to open an account.
  6. Proof of Address. You may need to provide proof of your current address, such as a utility bill or lease agreement, when opening an account.

It's always a good idea to check with Amerifirst Bank directly or visit their website to get more specific information about the requirements for opening an account with them.

Access on the Go

Amerifirst Bank provides access on the go through its mobile banking app, which is available for download on both the App Store and Google Play. The mobile app allows customers to access their accounts, view balances and transaction history, transfer funds between accounts, pay bills, and deposit checks remotely using their smartphone or tablet.

In addition to the mobile app, Amerifirst Bank also offers online banking services, which can be accessed through its website. Customers can log in to their accounts from any computer or mobile device with internet access and perform various banking transactions and activities, such as checking account balances, transferring funds, paying bills, and viewing transaction history.

The bank also provides a telephone banking service, which allows customers to access their accounts and conduct various banking transactions over the phone, including checking account balances, transferring funds, and verifying transactions.

Overall, Amerifirst Bank provides a range of convenient options for customers to access their accounts and conduct banking transactions on the go, making it easier for them to manage their finances wherever they are.

Products and Services

Amerifirst Bank offers a range of products and services to meet the personal and business banking needs of its customers. Here are some of the products and services:

  1. Personal Checking and Savings Accounts. The bank has a variety of personal checking and savings accounts, including basic checking, interest checking, money market, and savings accounts.
  2. Business Checking and Savings Accounts. Amerifirst Bank also offers business checking and savings accounts, designed to meet the unique needs of businesses of all sizes.
  3. Loans. The financial institution provides a range of personal and business loans, including auto loans, personal loans, RV loans, and business loans.
  4. Credit Cards. Amerifirst Bank provides credit cards with different benefits, including cashback rewards and low interest rates.
  5. Online and Mobile Banking. Amerifirst Bank’ online banking services and a mobile banking app allow customers to access their accounts, check balances, pay bills, transfer funds, and deposit checks remotely.
  6. Investment and Retirement Services. These services include retirement planning, wealth management, and investment advice.
  7. Community Rewards Program. The bank offers a community rewards program, which allows customers to earn rewards for using their debit card, and then directs a portion of those rewards to local charities of their choice.

Overall, Amerifirst Bank offers a range of products and services to meet the banking needs of its customers, whether they are looking for personal or business banking solutions.

Which associations does Amerifirst Bank belong to?

Amerifirst Bank is a member of several industry associations, including:

  • Federal Deposit Insurance Corporation (FDIC). The bank is a member of the FDIC, which provides insurance for depositors in the event of bank failure.
  • Alabama Bankers Association (ABA). This is a trade association representing banks and financial institutions in the state of Alabama.
  • Independent Community Bankers of America (ICBA). This is a trade association representing community banks across the United States.
  • Raymond James Financial Services. Amerifirst Bank has a partnership with Raymond James Financial Services, a registered broker-dealer and investment firm that provides investment services to individuals and businesses.

    By being a member of these associations, Amerifirst Bank is able to stay up-to-date with industry trends and best practices, as well as access resources and support to better serve its customers.

    Amerifirst Bank

    FAQ

    Who owns Amerifirst Bank?

    Amerifirst Bank is a privately held community bank, and the ownership of the bank is not publicly disclosed. The bank was founded in 1910 as the First National Bank of Union Springs and has since changed ownership and names several times. The current leadership team of Amerifirst Bank includes CEO Randy Vickers and President/COO Brad Suggs. The bank's focus is on providing personalized and community-oriented banking services to individuals and businesses in the Union Springs, Alabama area.

    Is Amerifirst Bank a good bank?

    Amerifirst Bank has been in operation for over a century and has a focus on providing personalized and community-oriented banking services to its customers. The bank offers a range of products and services for both personal and business banking customers, including checking and savings accounts, loans, investment services, and cash management services.

    Amerifirst Bank is a member of the FDIC, which provides insurance for depositors in the event of bank failure, and the bank also has partnerships with reputable investment firms, such as Raymond James Financial Services.

    Customers have reported positive experiences with the bank's customer service and convenience of its online and mobile banking options. However, as with any financial institution, it is important to carefully review the terms and conditions of any products or services before making a decision to ensure that they meet your specific needs and financial goals.

    Ultimately, whether Amerifirst Bank is a good bank for you will depend on your individual financial situation and banking needs. It may be helpful to compare the bank's products and services with other financial institutions and read reviews and ratings from other customers to make an informed decision.

    Is Amerifirst Bank hard to get approved for?

    Amerifirst Bank evaluates loan applications and creditworthiness of potential borrowers based on several factors such as credit history, income, debt-to-income ratio, collateral, and the purpose of the loan.

    To increase your chances of being approved for a loan with Amerifirst Bank, it's important to have a good credit score, a stable source of income, and a reasonable debt-to-income ratio. It may also be helpful to have collateral to secure the loan and a clear and specific purpose for the loan.

    Keep in mind that meeting the minimum requirements for loan approval does not necessarily guarantee approval. Amerifirst Bank may have specific lending criteria and loan approval is ultimately at the discretion of the bank. It's important to carefully review the loan terms and conditions before accepting a loan offer and make sure that it fits within your financial goals and budget.

    Amerifirst Bank disputes number

    If you need to dispute a transaction or report fraud on your Amerifirst Bank account, you can contact the bank's customer service team directly. The bank's customer service phone number is 1-800-298-1763.

    You can also contact Amerifirst Bank through its online banking portal or by visiting one of its branch locations. The bank has several branch locations in Alabama, and you can find the closest branch to you on the bank's website.

    When disputing a transaction, it's important to provide as much information as possible about the transaction, including the date, amount, and merchant information. Amerifirst Bank's customer service team will be able to assist you in filing a dispute and resolving any issues related to your account.

    Company documents

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    AmeriFirst Bank is committed to being an independently owned financial institution, striving to provide quality products and services to our customers and a return to its shareholders that is balanced with safe and sound banking practices, while addressing the needs of our community and continuing the education, training and enhancement of our staff.

    © AmeriFirst Bank
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