No, you will not need to re-enroll in Online Banking. Your current Online Banking profile with FNBT will transfer over to Bank First. Pages 24 and 25 of this guide include step-by-step instructions to help you get started.
In most cases, your username will remain the same. A small number of duplicate usernames existed between the two banks, and those customers were contacted prior to the merger to make updates.
For your initial login, you will use your current password. You will then be prompted to create a new password as part of the initial login process. Page 11 of the Welcome Guide includes step-by-step instructions to help you get started.
Page 11 of the Welcome Guide includes step-by-step instructions to help you get started.
If you currently use Face ID or Touch ID, or have your credentials automatically filled in by your device or browser, these features will not work on your first login to Bank First’s system. You’ll need to enter your username and password manually. After that, you can re-enable these features for future logins. Simply go to Settings → Authorized Devices.
Account history and transaction details WILL NOT transfer to Bank First. We highly recommend saving or printing any information you may need before 3:00 p.m. on Friday, May 15.
FNBT’s Personal Bill Pay, Business Bill Pay, and BizPay will be available until 4:00 p.m. on Wednesday, May 13. After that time, BizPay will be discontinued, and FNBT’s Personal and Business Bill Pay services will be temporarily unavailable while we complete the transition to Bank First. Before May 13, we recommend reviewing any bills due between May 13 and May 18 and scheduling those payments in advance. All future-dated payments, recurring payments, and payee information you currently have set up with FNBT will automatically transfer to Bank First. Payment history will not transfer, so if you need access to past records, please be sure to print or save them before the conversion. Bank First’s Personal and Business Bill Pay will be available beginning Monday, May 18.
No. Your statement preferences and up to three (3) years of eStatement, loan notice, and tax document history will carry over to the new platform. However, you will receive a final paper statement from FNBT dated Friday, May 15.
If you are currently using alerts within FNBT’s Personal or Business Online Banking, those alerts will not carry over to the Bank First platform. You will need to re‑establish alerts on Monday, May 18. Required system alerts (changes to your phone number, user ID, email address, or password) will continue automatically, no action needed. Please refer to page 10 for more information.
Yes. You’ll need to re‑establish your digital banking connection. In the Bank Feeds section of QuickBooks or Quicken, select Bank First WC (Web Connect) or Bank First DC (Direct Connect) to restore the connection.
Yes. Rest assured, your data will be transferred safely, and we will continue following all standard security protocols to protect your accounts and financial information. Scammers often take advantage of transitions like this to send fraudulent emails, texts, or phone calls that appear to come from legitimate financial institutions. Please stay vigilant and exercise extra care in protecting your sensitive information during this time.
DEPOSIT ACCOUNT QUESTIONS
The current names, features, and benefits of your FNBT deposit accounts will be converted to similar Bank First deposit accounts.
Personal - Please refer to page 2 of the Welcome Guide for more information, as well as the accompanying disclosures for specific information.
Business - Please refer to page 4 of the Welcome Guide for more information, as well as the accompanying disclosures for specific information.
Direct deposits will continue as normal. Automatic payments set up using your routing number and account number will continue for at least six months after the merger, but we recommend updating them to the new routing (075901134) number as soon as possible. Payments set up using your debit card must be updated with your new card information prior to Monday, May 18.
In almost all cases, account numbers will remain the same. There are a small number of duplicate account numbers between the two banks. We have worked with these customers prior to the merger to change those account numbers.
Depending on your account, service charges may change.
Personal - Please review Personal Checking, Personal Savings, and Personal Money Market on page 2 of the Welcome Guide, as well as the accompanying disclosures for details.
Certificate of Deposits and Safe Deposit Boxes - Please review pages 2-4 of the Welcome Guide, as well as the accompanying disclosures for details.
Business - Please review Business Deposit on page 5 of the Welcome Guide, as well as the accompanying disclosures for details.
Yes, the statement date for your accounts will change. You will receive your last FNBT statement as of Friday, May 15.
Personal - Bank First personal checking account statements will be processed on the 15th of each month, beginning Monday, June 15. If the 15th falls on a non-business day, statements will be processed on the prior business day. Personal savings account statements will be processed quarterly on the 25th, beginning Thursday, June 25. If the 25th falls on a non-business day, statements will be processed on the prior business day.
Business - Bank First business account statements will be processed on the last business day of each month, beginning Friday, May 29.
Yes, interest rates and terms you currently receive from FNBT will remain in effect until maturity. If your CD/IRA CD is set to automatically renew, it will continue to do so, and you will receive a notice including new account documentation and disclosures. If your current term is not offered at Bank First, your CD/IRA CD will renew into the next lowest term available. Upon renewal, interest is compounded and credited to your account semi-annually. If you currently receive your interest as a check or transfer, your interest frequency will remain the same. If your current term is 180 days or less, your CD/IRA CD will not automatically renew. You will receive a notice of non-renewal approximately 30 days in advance of the maturity date. At that time, you will be contacted to discuss your renewal options. Please refer to page 3.
Your existing Health Savings Account will be transferred to Bank First. You may continue to use your current HSA checks. A Bank First HSA debit card will be sent to you prior to Monday, May 18.
LOAN QUESTIONS
No changes will be made to the payments, interest rates, or other terms of your existing loan until maturity.
In almost all cases, loan numbers will remain the same. There are a small number of duplicate loan numbers between the two banks. We have worked with these customers prior to the merger to change those loan numbers.
Personal - Yes, mortgage and consumer loan customers will begin receiving a monthly loan billing statement from Bank First. Electronic loan notices are also available within Online Banking.
Business - Yes, business loan customers will begin receiving a monthly loan billing statement from Bank First. Electronic loan notices are also available within Business Online Banking.
Payments can be made at or mailed to any branch location. We recommend setting up automatic payments or making payments via Online Banking for your convenience.
Yes, you will be able to view your loans and make loan payments online.
Yes, automatic payments will continue as usual, on the same schedule.
Bank First services a vast majority of our loans locally. You can expect to receive exceptional customer service and personal attention from the same friendly faces you’ve come to know at FNBT.
Your property tax escrow payment will continue without change, just as it is currently set up with FNBT.
As of Monday, March 16, all mortgage loan applications are processed by Bank First.
In most cases, applications taken prior to Friday, May 1, will continue to be processed by FNBT. Any applications taken on or after Monday, May 4, will be processed by Bank First.
BUSINESS AND COMMUNITY IMPACT