Key Features

• Instant Access: Load funds and start using your card immediately for purchases in stores, online and at ATMs where accepted.
• Wide Acceptance: Use the card anywhere major card networks are accepted for purchases and point-of-sale transactions.
• Controlled Spending: Preload only the amount you intend to spend; there is no credit line or overdraft risk.
• Reload Options: Multiple secure ways to reload your card balance to fit your lifestyle, including in-branch, mobile app, and eligible deposit channels.
• Mobile Integration: Link the card to mobile wallets for tap-to-pay convenience and faster checkout.
• Multi-Currency Support: For travel or international purchases, the card supports transactions in foreign currencies where permitted.

Benefits

The FirstBank Holding Co. Prepaid Card blends simplicity and control with features designed for modern financial life. Whether you are managing household spending, setting allowances, traveling abroad, or providing flexible payroll options, the prepaid card offers:

• Budget-Friendly Control: Limit spending to the funds on the card, helping to avoid debt and unexpected overdrafts.
• Improved Security: Safer than carrying cash—if the card is lost or stolen, it can be blocked and replaced.
• Privacy: Transactions are processed without a credit check and can be used without linking to a traditional checking account.
• Accessibility: Ideal for unbanked or underbanked customers seeking modern payment options and for families managing allowances.
• Travel Ease: Access to foreign merchants and ATM withdrawals abroad (fees and exchange rates may apply).

Security and Protection

Security is at the core of the FirstBank Holding Co. Prepaid Card. The card includes:

• EMV Chip Technology: Enhanced protection against counterfeit fraud.
• Fraud Monitoring: Ongoing transaction monitoring to detect suspicious activity.
• PIN and Signature Options: Choose your preferred method of verification for point-of-sale and ATM transactions.
• Card Freeze and Replace: Temporarily freeze the card through the mobile app or customer portal if it is misplaced, with the option to order a replacement.
• Zero Liability Policies: Where applicable, protections exist against unauthorized transactions when promptly reported and investigated.

How It Works

Getting started with the FirstBank Holding Co. Prepaid Card is straightforward:

1. Apply: Complete a simple application to request your card and provide required identification information.
2. Load Funds: Add money through any available reload method. Funds are available for use once posted to the card account.
3. Use: Make purchases, pay bills online, withdraw cash at ATMs, and use for travel—subject to card terms and regional restrictions.
4. Manage: Monitor balances, view transactions and load additional funds through the mobile app or online portal.

Reloading Options

To keep your card ready when you need it, FirstBank Holding Co. offers several convenient reload solutions:

• Bank transfers from eligible accounts
• In-person cash reloads at participating branches
• Direct deposit for payroll or government benefits
• Mobile app-linked reloads using debit accounts

Reload availability and processing times may vary by method and jurisdiction.

Fees and Limits

As with any prepaid product, certain fees and limits apply. These may include activation fees, monthly maintenance fees, ATM withdrawal fees, foreign transaction fees and reload fees depending on the funding channel. Transaction limits and daily usage caps are set to protect the cardholder and comply with regulatory requirements. Detailed fee schedules and limit disclosures are provided at the time of application and can be reviewed in your account documentation.

Use Cases

The versatility of the FirstBank Holding Co. Prepaid Card makes it ideal for many situations:

• Household Budgeting: Allocate a monthly amount for groceries, utilities and discretionary spending.
• Teen and Family Cards: Manage allowances and monitor teen spending with a reloadable, controlled payment option.
• Travel Card: Use abroad without exposing your primary credit or debit accounts.
• Gift and Incentive Programs: Issue prepaid cards for rewards, gifts, or employee incentives.
• Temporary Access: Provide short-term payment access for contractors, students or visiting relatives.

Eligibility and Requirements

Eligibility typically includes being of legal age as required by local law and providing valid identification for identity verification. No credit history is required to obtain a prepaid card, but certain regulatory checks may be performed in accordance with anti-money laundering and know-your-customer rules.

Customer Support and Account Management

Manage your prepaid card account easily through the dedicated mobile app and online portal. Features include balance checks, transaction history, reload options and secure profile management. For assistance with account issues, lost or stolen cards, transaction disputes or general inquiries, support is available through the standard service channels provided by FirstBank Holding Co.

Important Terms

The FirstBank Holding Co. Prepaid Card is a stored-value product subject to terms and conditions, including terms governing funds availability, fees, dispute resolution and liability. Review all account disclosures and the cardholder agreement carefully before activating and using the card. Card usage may be restricted in certain jurisdictions and for certain merchant categories.