Effective: May 4, 2026
These Terms of Use (“Terms”) contain important information regarding your use of the First Bank website. Please read them carefully.
“First Bank” means First Bank, FB Corporation and any other affiliate or subsidiary of FB Corporation or First Bank. “We,” “us” or “our” means First Bank. “You” and “your” means any visitor to or user of this Website. “Website” means www.first.bank, the pages within www.first.bank, and any First Bank sites, products or services associated with or which may be accessed directly or indirectly through or in connection with www.first.bank.
By accessing any page of the Website, you agree to be bound by these Terms. If at any time you do not agree to these Terms, do not access this Website. The Website is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using the Website, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website. We may, but are not obligated to, change or update the content of these Terms from time to time, without notice. You are responsible for regularly reviewing the Terms, which will be posted to the Website upon update. Your continued use of the Website constitutes your acceptance of any updated Terms.
This Website is hosted in the United States and intended for use by residents of the United States, its territories or possessions. We make no representation that the Website or its content is available or appropriate outside the United States. If you access the Website from outside the United States, you do so at your own risk. If you access this Website from outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws that govern personal data collection, use, and disclosure. By using the Website or products and services accessed through the Website, you may transfer personal information to the United States. To the extent permitted by applicable law, your use of the Website or products or services accessed through the Website shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
PRIVACY, COOKIES, & TARGETED ADVERTISING
The collection of personal information from or about you as a result of your use of this Website and services available through the Website is subject to our Online Privacy Statement and the Consumer Privacy Notice or California Consumer Privacy Act Notice, as applicable, which describe how we collect, use, disclose, and safeguard your personal information. The Online Privacy Statement explains how we use cookies, pixels, and similar technologies (“Cookies”). By accessing or using the Website, you understand and agree that we may collect and retain personal or other information about you, the devices you use to access the Website and any products or services available through the Website and share information with our service providers as allowed by applicable law and our privacy notices. We use the information for purposes including but not limited to, site operation and accessibility, security and fraud prevention, analytics to determine how users interact with the Website, and for targeted interest-based advertising. When you first access the Website, a banner will display that allows you to opt-out of certain Cookies. You will be required to choose which uses of Cookies that you consent to before you can enter the Website. You understand and agree that you cannot opt out of Strictly Necessary Cookies, which are necessary for the Website to function.
USE OF INFORMATION AND MATERIALS
You may use this Website only for informational and other lawful purposes. Any unauthorized use of the Website and systems including, but not limited to, unauthorized entry into First Bank systems or misuse of any information posted on the Website is strictly prohibited. You agree not to use the Website in any way that violates any applicable federal, state, local, or international law or regulation. Furthermore, you agree not to: (1) interfere with, disrupt, or compromise the security or integrity of the Website; (2) attempt unauthorized access to the Website, data, accounts, or our networks; (3) Use scraping, bots, spiders, or automated tools to access or collect Website content; (4) introduce viruses, malware, or harmful code; or (5) use or access the Website to engage in fraudulent or other unlawful activity.
Information on the Website is provided for general marketing and informational purposes only. It does not constitute financial, legal, tax, or investment advice; create a client or advisory relationship; or represent an offer or solicitation for any financial product or service. We do not warrant the completeness, timeliness, or accuracy of information posted to this Website nor do we undertake any responsibility to update or amend any information. The products and services described, as well as the related fees, charges, interest rates, and balance requirements may differ among geographic locations, and not all products and services may be offered at all locations or geographic areas. Your eligibility for particular products and services is subject to final determination by First Bank. We reserve the right to terminate any or all web offerings without prior notice.
SECURITY
If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, including but not limited to a one-time passcode, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name, password, or other security information, or any other breach of security relating to the foregoing. You also agree to ensure that you sign out and exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You agree that you will not save your user name, password, or other login information to a browser on a public or shared computer.
INTELLECTUAL PROPERTY RIGHTS AND TRADEMARKS
The Website and its entire contents, features, and functionality (including but not limited to all web pages, user interfaces, information, design, software, source code, text, displays, images, graphics, video and audio, and the design, selection and arrangement thereof) are owned, controlled, or licensed by First Bank or its affiliates, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, reverse engineer, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Website without our prior written consent.
The words “First Bank,” “First Bank Wisdom,” "Sleep Better. Dream Bigger.," “First Bank Family Business Check-Up,” “First Bank Family Reserve Services,” “Family Business Check-Up,” and the First Bank logo are trademarks and service marks of FB Corporation. You must not use such marks without the prior written permission of First Bank. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. Copyright in the pages and on the screens displaying the pages, as well as their design, text, sound recording, images software, and source code, is owned by First Bank or one of its affiliates or subsidiaries and may not be used without its prior written consent
SUBMISSIONS
All information you submit to us via the Website is the property of First Bank. We may use any idea, concept, know-how or technique contained in information you provide to us through the Website for any purpose. First Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed in writing signed by both parties or as required by law.
COMMUNICATIONS VIA THIS WEBSITE
Because email is not secure, you agree that you will not use email to send us communications which contain confidential information such as account numbers and Social Security numbers. You may send such information through secure messaging in eBanking or Business eBanking or call the First Bank Service Center at 800-760-2265. If you have a matter that requires immediate attention, please contact the First Bank Service Center at 800-760-2265. Any transmission to this Website, including emails, shall be deemed and remain our property.
LINKS
This Website may contain links to other sites and resources provided by third parties. These links are provided for your convenience only. First Bank has no control over the contents of linked sites or resources and accepts no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked from this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. First Bank does not warrant that any such site or content is free from viruses or other contamination. The privacy and security policies of any third party site may be different from those of First Bank, and we encourage you to review third party privacy and security policies before you enter any personal information on a third party site.
SOCIAL MEDIA SITES
First Bank has a presence on various social media sites so that we may engage with our current and potential clients. Although we post information about First Bank, our employees, products, and events on our social media pages, our social media sites are not intended to serve as, and should not be used as, a client service channel. For your own protection, you should never post information such as an account number, user name, password, or your contact information on a social media site, including through the use of social media messaging mechanisms.
The social media sites that First Bank participates in are owned by third parties and are not affiliated with First Bank; therefore, your activity and any content you post are governed by each site’s terms of use, privacy and security policies. We encourage you to familiarize yourself with each social media site’s terms of use, privacy and security policies for your own protection.
We may collect personal information about you from your interactions with our social media sites for the purposes and uses described in the Online Privacy Statement.
We do not tolerate inappropriate comments from users on our social media sites and reserve the right to remove any posts or comments that we in our sole discretion deem inappropriate.
NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS, OR OTHER ITEMS ARE PROVIDED "AS IS" AND "AS AVAILABLE". FIRST BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. FIRST BANK GIVES NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER FIRST BANK NOR ANY OF ITS EMPLOYEES, AGENTS, INFORMATION PROVIDERS, OR LICENSORS WARRANT THAT THE WEBSITE OR PRODUCTS AND SERVICES OFFERED OR ACCESSED THROUGH THE WEBSITE WILL BE UNINTERRUPTED, ERROR FREE OR FREE FROM COMPUTER VIRUS. SYSTEM RESPONSE TIMES MAY VARY DUE TO SYSTEM PERFORMANCE AND OTHER FACTORS, AND ACCESS TO THE WEBSITE MAY BE UNAVAILABLE OR LIMITED FOR VARIOUS REASONS FOR WHICH FIRST BANK SHALL NOT BE HELD RESPONSIBLE.
LIMITATION OF LIABILITY
FIRST BANK WILL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES, COSTS, OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE, ANY PRODUCT OR SERVICE AVAILABLE OR ACCESSED THROUGH THE WEBSITE OR ANY LINKED SITE, THE USE OR INABILITY TO USE ANY SUCH SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF FIRST BANK IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
INDEMNIFICATION
You agree to defend, indemnify and hold harmless First Bank, its affiliates and their respective directors, officers, employees and agents, from and against all losses, liabilities, damages, claims and expenses, including attorneys’ fees, arising out of, relating to, or resulting from your violation of these Terms or misuse of the Website, including any such violation or misuse by your employee or agent, as applicable.
These Terms constitute the entire agreement and understanding between us concerning the subject matter hereof and supersede all relevant prior agreements and understandings. These Terms may be supplemented by other terms and conditions or agreements applicable to specific products and services offered by First Bank, and where such other terms and conditions or agreements conflict with these Terms, the other terms and conditions or agreements will govern for those other specific products and services.
TERMINATION OF USE
You agree that we may, in our sole discretion, terminate or suspend your access to all or part of this Website, its content, and/or products and services accessed through the Website with or without notice and for any reason, including, without limitation, breach of these Terms. Any suspected or actual fraudulent, abusive or illegal activity may be grounds for immediately terminating or suspending your relationship with First Bank, including your access to and use of the Website and any such activity may be referred to appropriate law enforcement authorities.
Upon any such termination or suspension, regardless of the reasons therefor, your right to access and use the Website and content and services made available through the Website shall cease. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension, or any other actions we take. Relevant provisions of these Terms, as well as your liability for any unpaid fees, shall survive any termination or suspension.
NON-WAIVER
We shall not be deemed to have waived any of our rights or remedies unless such waiver is in writing and signed by an authorized representative of First Bank. No delay or failure on our part to exercise any right or remedy pursuant to these Terms shall be a waiver of that or any other right or remedy. A waiver on a particular occasion shall not be construed as a bar or waiver of any rights or remedies in the future.
GOVERNING LAW
All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Missouri without giving effect to any choice or conflict of law provision or rule (whether of the State of Missouri or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States located in St. Louis, Missouri or the courts of the State of Missouri, located in the County of St. Louis. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.