Maintaining the well-being of our customers, employees and communities remains our No. 1 priority. This is one of many reasons why FirstBank is closely monitoring the evolving situation with coronavirus (COVID-19), adhering to guidelines provided by the Centers for Disease Control (CDC) and other health organizations, and implementing several sweeping changes to mitigate the spread and help those affected by COVID-19.

Please review the customer resources and information listed below as it likely pertains to you.

Branch Hours & Operations

As the situation with COVID-19 continues to unfold, we are having to make unprecedented decisions to ensure the health and well-being of our communities. In doing so, we have temporarily suspended operations at multiple locations. Please check FirstBank’s branch status page for the most up-to-date information.

Effective on Monday, March 23rd, most branches will continue to operate under normal business hours. However, they will be available through drive-up only or by appointment for necessary in-person services. To make an appointment, please call our main customer service team at 1-800-964-3444 for assistance.

For select locations that don’t have a drive-up service, we are keeping our lobbies open. All ATM’s and night depositories will remain open and be serviced.

Banking from Home and at Your Convenience

We are taking all precautions necessary to ensure the health and safety of everyone. But please know we are here and available for you, our customers, in this unprecedented time. We take our role as a provider of essential services seriously and we are making every effort possible to offer services without disruption. 

That said, we would like to encourage customers to take advantage of the many banking services we provide that don’t involve stepping foot in a branch.

  • Through online banking or our mobile app you can:
    • Send, receive and request money quickly and securely using Zelle®*
    • Deposit checks using Mobile Deposit on our FirstBank app
    • Pay and schedule bills
    • Freeze, replace or report lost or stolen debit and credit cards
    • Update your personal contact details
    • View account activity
    • Check account balances
    • Transfer funds between accounts, etc.
    • Watch our Mobile App video to learn more.

*Must have a bank account in the U.S. to use Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Customer Relief Program

FirstBank’s efforts for qualified individuals include:

  • Consumer Loan Deferrals: We are giving all borrowers who are directly or indirectly impacted by the coronavirus the ability to defer up to three payments on residential mortgage loans, home equity installment loans, and consumer installment loans. Please contact 1-833-962-1506 or to find out more.
  • Business and Commercial Loan Support: FirstBank is also committed to helping business customers who are experiencing financial hardships as a result of the pandemic. Commercial borrowers may have the ability to defer up to three payments. To discuss an existing commercial loan, borrowers should contact their FirstBank loan officer or the bank’s main customer service department at 1-800-964-3444 (option 0) to inquire about available assistance.

Additional Customer Assistance:

If you are taking unpaid time off due to quarantine related to COVID-19, and your employer does not offer paid leave in these circumstances, additional assistance is available by calling 1-800-964-3444, option 0.  FirstBank is offering:

  • Fee Refunds: Fees such as Non-Sufficient Fund (NSF) fees, Visa card fees, early withdrawal penalties, etc., will be waived or refunded for impacted customers.  If related to their quarantine situation, customers may also be able to avoid transactional fees for bank offerings such as wires, cashier’s checks or money orders.
  • Zero Percent Interest Rates**:  We will reduce interest rates on credit cards to a 0% annual percentage rate (APR) and cash reserves to .001% for a one month period, as long as you contact us prior to April 15, 2020 to request the lowered rate. At the end of the one month period, interest rates will return to FirstBank’s standard rate in effect at that time. As of March 19, 2020, the APR is 16.65% for personal credit cards and the APR for personal cash reserves with balances less than $10,000 is 14.15%. Impacted customers, who do not currently have a credit card or cash reserve, can apply and will be provided the same offer, provided they meet the bank’s credit requirements.

**Interest rate accommodations will be offered to impacted customers who contact FirstBank prior to April 15, 2020. New customers will need to open a deposit account in order to access a cash reserve line of credit. A minimum monthly payment on both credit cards and cash reserves will still be required, but it will be allocated entirely to the principal amount as no interest will be charged.

Small Business Administration (SBA) Paycheck Protection Program

The Coronavirus Aid, Relief, and Economic Security (CARES) Act includes a $349 billion Paycheck Protection Program for small businesses. It’s designed to not only help businesses keep or re-hire employees, but pay loan interest, rent, and utilities. The loan is also eligible for forgiveness by the SBA. As a preferred SBA lender, FirstBank is working hard to provide Paycheck Protection to its business depositors and borrowers. More information and how to apply is available here. Customers can also reach out to their FirstBank loan officer to learn more.

What You Need to Know About the CARES Act

The Coronavirus Aid, Relief, and Economic Security (CARES) Act is a $2 trillion stimulus bill aimed at providing financial help for those negatively impacted by the coronavirus outbreak. It’s the largest stimulus bill in U.S. history.

While a sizable amount of funding is planned for corporations, public health, and state and local governments, a good portion is also slated for small business (through programs like SBA’s Paycheck Protection referenced above) as well as individuals. Here’s a quick snapshot of what that can mean for you. Additional details can be found on

  • Rebate checks: one-time tax rebate checks up to $1,200 per individual, $2,400 for joint filers and $500 per child. The rebate amounts are  based on annual incomes. Frequently asked questions about the tax rebate are available on the IRS’s website.
  • Retirement savings: the federal government is waiving certain penalties for those who need access to their retirement savings early.
  • Student loan relief: interest and payments for federally held student loans is being deferred through September 30, 2020. Find out more by going to
  • Expanded unemployment assistance: unemployment has been increased to $600 a week and extended to individuals who are normally not eligible, including independent contractors, self-employed, etc. More information can be found on the U.S. Department of Labor site.

Keeping Your Money Safe

Avoiding Coronavirus Scams

Like with any news event, it’s important to safeguard yourself from opportunists and scam artists that use these situations for malicious intent. The Federal Trade Commission (FTC) provides some great tips to keep scammers at bay. If you believe you are a victim of a scam, cybercrime or if you want to report suspicious activity, please visit the FBI’s Internet Crime Complaint Center at You can also contact our fraud department at 1-800-964-3444.

For more information about coronavirus related scams, please read this alert from the United States Secret Service.

Keeping Your Money Safe Since 1963

As the economy is being impacted by COVID-19, please know that FirstBank has been a safe and sound financial institution for more than 55 years. We have always prioritized long-term financial stability over quick gains, and our approach to smart, conservative lending has enabled us to be in a strong financial position.

The stock market crash of 1987, bubble in 2000, 9/11, and financial crisis of 2008 have all been difficult times. And FirstBank has come out the other side strong every time. During the most recent economic downturn (2008-2010), which was centered around the banking industry, we experienced some of our best performing years and have gone on to experience over a decade of record financial growth.

We view the current challenge as a health care issue, not a banking issue, and our primary objective remains providing banking services throughout this period. FirstBank is well positioned to meet the challenges ahead and believe our financial strength and stability will allow us to continue to serve the best interests of our  customers, communities and employees. That’s what “banking for good” is all about.

It’s also important to note FirstBank is FDIC Insured. We encourage you to read up on what this means and how that can impact you below.

FDIC Insurance

What is the FDIC?

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects depositors against the loss of deposits if an FDIC-insured bank fails. FDIC insurance is backed by the full faith and credit of the United States government, and since the FDIC’s creation in 1933 no depositor lost any FDIC-insured deposits. For details on FDIC insurance, how to calculate individual coverage and coverage limits, visit the FDIC website at

What types of accounts are eligible for FDIC insurance?

FDIC insurance covers all deposit accounts at insured banks such as FirstBank and savings associations, including checking accounts, savings accounts, money market deposit accounts, and certificates of deposit (CDs) up to the insurance limit. The FDIC does not insure the money invested in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if these products were purchased from an insured bank. Contents stored within a safe deposit box are also not insured.

What are the basic FDIC coverage limits?***

  • Single Accounts (owned by one person with no beneficiaries): $250,000 per owner
  • Joint Accounts (two or more persons with no beneficiaries): $250,000 per co-owner
  • IRAs and other Certain Retirement Accounts: $250,000 per owner
  • Revocable Trust Accounts: Each owner is insured up to $250,000 for each unique eligible beneficiary named or identified in the revocable trust, subject to specific limitations and requirements
  • Business Accounts (owned by one business entity): $250,000 per business entity

***These deposit insurance coverage limits refer to the total of all deposits that account owners have at each FDIC-insured bank. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met. Depositors may qualify for more than $250,000 in coverage at one insured bank if they own deposit accounts in different ownership categories. This list is being provided for informational purposes only. For complete, official details please refer to the FDIC  ( or 1-877-ASK-FDIC (1-877-275-3342).

Employee Health & Customer Safety

To help minimize the spread of disease, open locations will be available through drive-up only or by appointment for in-person services (please review the branch operations information for the most up-to-date information). Our cleaning procedures for all FirstBank branch locations are in line with the CDC’s recommendations.

Additionally, we are following the CDC’s guidance on social distancing (the practice of creating space and isolation between people to minimize the spread of disease). We’ve been separating teams and having portions of our departments work remotely or in separate buildings. We’ve also expanded the company’s remote working capabilities.

Most importantly, we’ve instituted an Emergency Sick Leave policy. This means employees who are infected, at-risk of infection, care for at-risk family members or children, suspected of infection, in quarantine and who are not able to telework or work due to school/daycare closures can receive full paid leave for up to two weeks. We are committed to working with our employees should they need more paid time for recovery and quarantine, beyond the additional two week period.

We’ve also opened up the ability to enroll in our health insurance coverage, if needed, and have waived co-pays for telemedicine appointments related to the virus. In addition, we are working on providing resources, tools, and education to our workforce to help navigate this new way of working, including mental health support.

Taking good care of our employees means taking better care of our customers.

Support for the Community

We are only as strong as our community, and we know nonprofit groups, healthcare workers and those in the service industry are hurting. We are working diligently with local organizations to help curb the negative implications of the pandemic. For instance, we are supplying $50,000 to Make4Covid, a movement driven by medical professionals, engineers and entrepreneurs, who are using 3-D printing technology to create protective gear and medical equipment for hospitals battling the virus.

We have also donated $75,000 to the Colorado COVID Relief Fund, which is providing needed resources to communities hardest hit by the economic fallout of COVID-19. And we’re working with Arizona Gives Day on its Nonprofit Emergency Relief Fund to help nonprofits recoup critical funding that was lost due to the crisis.                       

Financial Resources for Individuals Affected by COVID 19

Financial Resources for Businesses

Health Resources and Information

Stay Updated

Please check back on this page ( as the situation unfolds. We will continue to provide needed updates as it pertains to our operations or services. You can also call us at 1-800-964-3444 with any questions or concerns.

Remember, we are here for you, and we are in this together.