Customer Service FAQ

We are a “mutual bank,” which means that each depositor has a stake and ownership in our bank. Every customer is a member of our family and its treated as such. We are a hometown bank, not a big national corporation.

Local ownership and management gives us autonomy in decisions that affect our customers. For example, when lending we know that life events are just as important as credit scores. Do business with a bank that truly cares.

Our Customer Care Representatives have deep banking knowledge. When you call Peoples First, you’ll get a qualified real person, not an answering machine. And most questions can be solved in a single phone call.

Yes! 100% of the products we offer are insured to the legal limit of up to $250,000 per depositor by the FDIC.

For more information visit www.fdic.gov

Getting pre-qualified for your loan is always a good idea. With one simple phone call to speak with one of our mortgage professionals, you’re on your way to the peace of mind of knowing you are qualified to purchase the home of your dreams.

Right now, most of our residential loans for purchase or refinance offer zero closing costs! Ask one of our mortgage professionals for more details.

Credit scores are certainly important, but we believe that life events may influence your credit rating. Peoples First is a home town bank, with the flexibility to consider your credit score and your life circumstances.

Yes, insurance is required to cover the amount of the loan.

Pre-paid interest is money that is to be paid from the day of closing until the end of the month.

Pre-paid interest is the only additional funds needed. In the event an escrow account is being set up to pay real estate taxes and/or insurance, those funds are collected at closing as well.

A typical rate lock holds the rate for 30-60 days.

Yes, you may pay a fee to lower your mortgage rate.

You may order checks online here or ask a Customer Care Representative to assist you.

Yes! We offer Free visa debit cards with all checking accounts and Free atm cards with all savings accounts.

Options include a sweep account that protects your primary account. We also offer an overdraft protection line of credit. Contact us for more details on these features.

To help prevent identity theft, a change of address form is required to be completed in person with a Peoples First Customer Care Representative.

Yes. Images of your checks are included each month.

A signed, written request is required two weeks prior to the payment date.

To provide security and reduce the risk of identity theft, this service is only accessible at Peoples First atm machines.