Other Services

At 1st Equity Bank, we have many helpful services to offer our customers besides just a bank account.

Night Deposit

If you can’t make it to the bank during regular business hours, we have a night depository where you can make your deposit at any time of the day—or night!  We have one night depository located on the south side of the building. 

 You can make your deposit assured that it is safe and secure.  If you choose to use our night deposit your deposit will be processed on the next business day.

Wire Transfers

Need to get money somewhere quick. If you hold an account at 1st Equity Bank, we will be happy to wire funds from one of your accounts for you. A service fee does apply.

Coin Counter

We all have a place to collect our loose coin. When you rjar is full, customers are welcome to bring their coin to a 1st Equity Bank Teller for counting. There is a 10% service charge for the service. The service charge will automatically be adjusted and appear on your receipt. If you are bringing in a significant amount of coin, please call ahead for approval.

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties.

You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network.

Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
  • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.