How To Easily Check First Bank Account Balance

Managing your finances effectively requires staying updated on your bank account balance. If you have an account with First Bank, one of the leading financial institutions, it’s essential to know how to check your account balance conveniently.

In this article, we will guide you through various methods that First Bank offers to check your account balance, ensuring you have the necessary information at your fingertips.

Importance of Checking Your First Bank Account Balance

There are various reasons why it is important to always check your First Bank account balance. Some of them include staying updated with your account activity. Below are some of the reasons why you should regularly check your First Bank account balance:

1. Financial Awareness

Checking your First Bank account balance regularly provides you with a clear understanding of your available funds. By knowing how much money is in your account, you can make informed financial decisions. It allows you to assess whether you have sufficient funds for your planned expenses, such as bills, groceries, or other financial obligations. Financial awareness helps you avoid overspending and ensures that you stay within your budget.

2. Budgeting and Planning

Monitoring your First Bank account balance enables effective budgeting and planning. By knowing the amount of money you have at any given time, you can allocate funds to different categories, such as savings, investments, or discretionary spending. It helps you prioritize your financial goals and ensure that you allocate your resources accordingly. Regularly checking your account balance allows you to adjust your budget as needed and make necessary modifications to achieve your financial objectives.

3. Early Detection of Fraud

One crucial reason for checking your First Bank account balance is to identify any unauthorized transactions or potential fraud. By reviewing your account balance regularly, you can quickly detect any suspicious activity. If you notice any unauthorized withdrawals or unfamiliar transactions, you can contact First Bank immediately to report the issue and take appropriate action to protect your funds. Early detection of fraud helps minimize the potential financial impact and ensures the security of your account.

4. Avoiding Overdrafts and Fees

Maintaining an awareness of your First Bank account balance helps you avoid overdrawing your account. When you know your available funds, you can ensure that you have enough money to cover your expenses and avoid overdraft fees. Overdraft fees can quickly add up and impact your financial well-being. By checking your account balance regularly, you can stay informed about your available funds and make necessary adjustments to prevent overdrawing your account.

5. Peace of Mind

Regularly checking your First Bank account balance provides peace of mind. It gives you confidence and control over your financial situation. You can stay informed about your financial health and be proactive in managing your money. By knowing your account balance, you can make decisions confidently, knowing that you have an accurate picture of your finances.

How To Check Account Balance On First Bank

First Bank offers multiple ways to check your account balance, ensuring flexibility and accessibility for their customers. Here are some of the common methods:

Using First Bank Mobile App

The First Bank Mobile App is a user-friendly and secure platform that allows you to access various banking services, including checking your account balance. Follow these steps to check your balance:

  • Download and install the First Bank Mobile App from your app store.
  • Log in to the app using your credentials.
  • Navigate to the “Account Balance” section.
  • Your account balance will be displayed on the screen.
Using First Bank USSD Code

First Bank provides a convenient USSD code that enables you to check your account balance using your mobile phone. Follow these steps to check your First bank account balance using the First Bank USSD code:

  • Dial *894*00# on your registered mobile number.
  • Select “Account Balance” from the menu options.
  • Your account balance will be sent to you via SMS.
Using First Bank Internet Banking

First Bank’s internet banking platform offers a secure way to manage your accounts online. To check your account balance, follow these steps:

  • Visit the First Bank internet banking portal.
  • Log in to your account using your credentials.
  • Navigate to the “Account Summary” or “Account Balance” section.
  • Your account balance will be displayed on the screen.
How To Check Your First Bank Account Balance Through Customer Care

Checking your First Bank account balance through customer care is a convenient option that allows you to get the information you need by speaking with a representative. Follow this step to contact First Bank customer care representative:

1. Dial First Bank Customer Care Number

To check your First Bank account balance through customer care, you need to dial the First Bank customer care number. The customer care number for First Bank in Nigeria is 0700FIRSTCONTACT (0700-34778-2668228), 01-4485500, 0708-062-5000 if you are calling from outside Nigeria. Make sure you have a working phone or mobile device with a reliable network connection before dialing the number.

2. Follow the Automated Voice Prompts

After dialing the customer care number, you will be greeted by an automated voice system. Listen carefully to the voice prompts and select the appropriate option for “Account Balance Inquiry” or a similar phrase. The exact menu options may vary depending on the voice system used by First Bank.

3. Provide Required Information

Once you have selected the option for account balance inquiry, you may be asked to provide certain information to confirm your identity and account ownership. This information may include your account number, full name, date of birth, and any other security details associated with your First Bank account. Make sure to have these details readily available before making the call to expedite the process.

4. Speak with a Customer Care Representative

After providing the required information, you will be connected to a customer care representative. The representative will verify your details and proceed to check your account balance on your behalf. They may ask additional security questions to ensure the confidentiality and security of your account information. Cooperate with the representative and provide accurate responses to complete the verification process smoothly.

5. Receive Your Account Balance Information

Once the customer care representative has verified your account details, they will provide you with your First Bank account balance. They may read out the balance to you, or they might offer to send it to you via SMS or email. If you prefer to receive the balance information through SMS or email, provide the representative with your preferred contact details.

6. Thank the Customer Care Representative

After receiving your account balance information, take a moment to thank the customer care representative for their assistance. They are there to help you with any inquiries or concerns you may have regarding your First Bank account, so showing appreciation is a courteous gesture.

How To Check Your First Bank Account Balance At An ATM

If you are a First Bank customer and want to check your account balance conveniently, one of the easiest and quickest ways is to use an Automated Teller Machine (ATM). First Bank has a widespread network of ATMs that allow customers to perform various banking transactions, including checking their account balance. Follow this steps to check your account balance:

1. Locate a First Bank ATM

The first step is to find a First Bank ATM near your location. First Bank has numerous ATMs located in branches, shopping centers, and other public places. You can use the First Bank website, mobile app, or other online directories to find the nearest First Bank ATM to you.

2. Insert Your ATM Card

Once you have located a First Bank ATM, insert your First Bank debit card into the card slot provided on the machine. Ensure that the card is inserted with the chip or magnetic strip facing the appropriate direction as indicated on the machine.

3. Enter Your Personal Identification Number (PIN)

After inserting your ATM card, you will be prompted to enter your Personal Identification Number (PIN) on the ATM keypad. Carefully enter your PIN to proceed with the transaction. Make sure to shield the keypad with your hand or body to protect your PIN from prying eyes.

4. Select “Balance Inquiry”

On the ATM screen, you will see a variety of transaction options. Select the “Balance Inquiry” or “Check Balance” option from the available menu. This option is typically labeled with a corresponding number or shown as an on-screen button. Follow the on-screen instructions or press the designated number to proceed.

5. Wait for the Result

Once you have selected the “Balance Inquiry” option, the ATM will communicate with the bank’s system to retrieve your account balance. You will see a loading screen or a message indicating that the ATM is processing your request. After a few seconds, your account balance will be displayed on the screen.

6. Take Your Card and Receipt

After viewing your account balance, make sure to remove your ATM card from the machine. The ATM will prompt you to take your card. Additionally, you may be given the option to print a receipt. If you would like a printed receipt, select the appropriate option on the screen. Remember to take your receipt before leaving the ATM.

How To Check Your First Bank Account Balance By Visiting The Bank Branch

If you prefer a personal touch and want to check your First Bank account balance by visiting a bank branch, you have the option to do so. First Bank has branches located in various cities and towns, providing face-to-face banking services to their customers. Follow the steps below to visit a First Bank branch and check your balance:

1. Locate a First Bank Branch

The first step is to find a nearby First Bank branch. You can use the First Bank website, mobile app, or other online directories to locate the branch closest to your location. Take note of the branch address, opening hours, and any specific requirements or protocols, such as appointment scheduling or queue management, that may be in place.

2. Prepare Identification and Account Information

Before visiting the bank branch, make sure to gather the necessary identification and account information. This typically includes:

  • Valid identification document (e.g., international passport, driver’s license, or national ID card)
  • Your First Bank account number or any other account-related details that may be requested for verification purposes

Having these documents readily available will help expedite the process and ensure a smooth visit to the bank branch.

3. Visit the Bank Branch

Once you have located a convenient First Bank branch and gathered the required documents, visit the branch during their operating hours. Upon arrival, follow any instructions or protocols in place, such as queueing or appointment procedures.

4. Approach the Customer Service Desk

Approach the customer service desk or any designated area for account-related inquiries. Inform the bank representative that you would like to check your First Bank account balance. They will guide you through the process and provide the necessary assistance.

5. Present Identification and Account Information

Present your valid identification document and provide any additional account-related information requested by the bank representative. This information is crucial for verification purposes to ensure the security and confidentiality of your account.

6. Request Account Balance Inquiry

Once your identification and account details are verified, request an account balance inquiry from the bank representative. They will access the bank’s system to retrieve your account balance information.

7. Receive Your Account Balance

The bank representative will provide you with your First Bank account balance. They may inform you verbally or provide a printed statement. If you have any questions or require clarification regarding your account balance, feel free to ask the representative for assistance.

8. Thank the Bank Representative

After receiving your account balance information, take a moment to express your gratitude to the bank representative for their assistance. Showing appreciation for their help creates a positive interaction and reinforces good customer relations.

Tips for Ensuring Accurate First Bank Account Balance Checks

Checking your First Bank account balance is an important aspect of managing your finances effectively. To ensure accurate balance checks and maintain the integrity of your financial records, it is essential to follow certain guidelines. Below are some of them:

1. Verify Your Account Information

Before initiating an account balance check, ensure that you have the correct account information on hand. Double-check your account number to ensure accuracy. Using the wrong account number may lead to incorrect balance information or accessing someone else’s account by mistake.

2. Choose the Right Method

First Bank provides various methods to check your account balance, such as the mobile app, USSD code, internet banking, customer care, ATM, and visiting a bank branch. Choose the method that is most convenient for you and aligns with your preferences. Each method has its own specific steps and requirements, so following the correct procedure is crucial for accurate balance checks.

3. Keep Your Personal Identification Details Secure

When performing account balance checks, make sure to keep your personal identification details secure. Avoid sharing your PIN, online banking login credentials, or any sensitive information with others. Protecting your personal information ensures that only authorized individuals can access your account and maintains the confidentiality of your financial data.

4. Ensure Reliable Network Connectivity

If you are using the mobile app, USSD code, or internet banking to check your First Bank account balance, ensure that you have a reliable network connection. Unstable or weak network connectivity may lead to delayed or inaccurate balance information. Use a secure and stable network to avoid disruptions during the process.

5. Check for Confirmation

After receiving your account balance information through any method, take a moment to verify the details provided. Ensure that the balance displayed matches your expectations and aligns with your recent transactions. If you notice any discrepancies or inconsistencies, contact First Bank immediately for clarification and resolution.

6. Regularly Monitor Your Account

Apart from checking your account balance on specific occasions, it is advisable to monitor your account regularly. Keep track of your transactions, deposits, and withdrawals to maintain an accurate understanding of your financial standing. Regular monitoring allows you to detect any potential errors, unauthorized activities, or discrepancies promptly.

7. Seek Assistance When Needed

If you encounter any difficulties or have questions during the account balance check process, do not hesitate to seek assistance. First Bank provides customer care services, online FAQs, and branch staff who are ready to assist you. Reach out to the appropriate support channels for clarification or guidance to ensure accurate and reliable balance checks.

Frequently Asked Questions

1. Q: Is there a fee for checking my First Bank account balance?

A: No, checking your account balance using any of the provided methods, including the mobile app, USSD code, ATM, customer care, or visiting a bank branch, is typically free of charge.

2. Q: Can I check my First Bank account balance using a non-registered mobile number?

A: No, for security purposes, you can only check your balance using the mobile number registered with your First Bank account. This ensures that only authorized individuals can access your account information.

3. Q: Are there any limitations on the frequency of checking my First Bank account balance?

A: No, you can check your First Bank account balance as frequently as needed. There are no specific limitations on the number of times you can check your balance using the provided methods.

4. Q: Can I check my First Bank account balance from abroad?

A: Yes, you can check your First Bank account balance from abroad, provided you have access to an internet connection or a mobile network. You can use the First Bank mobile app, internet banking, or contact customer care for assistance.

5. Q: How often should I check my First Bank account balance?

A: It is advisable to check your First Bank account balance regularly to stay informed about your financial standing. Depending on your personal preferences and financial needs, checking your balance at least once a week or before making significant transactions can help you maintain control of your finances.

6. Q: Can I check my account balance if I forgot my PIN?

A: No, for security reasons, you need to provide your PIN when using methods like the mobile app, USSD code, or ATM to check your First Bank account balance. If you have forgotten your PIN, you should contact First Bank customer care or visit a bank branch to initiate the PIN reset process.

7. Q: What should I do if I notice an incorrect account balance or unauthorized transactions?

A: If you notice an incorrect account balance or unauthorized transactions, it is important to contact First Bank immediately. Report the issue to their customer care, provide them with the necessary details, and follow their instructions to resolve the matter and protect your account.

8. Q: Can I check my account balance if my account is dormant?

A: If your First Bank account is dormant or inactive due to prolonged inactivity, you may need to reactivate it before being able to check your account balance. Contact First Bank customer care or visit a bank branch to inquire about the reactivation process.

9. Q: Are the First Bank mobile app and internet banking secure for checking my account balance?

A: Yes, First Bank employs robust security measures to protect their mobile app and internet banking platforms. These platforms utilize encryption technology and multi-factor authentication to ensure the security and confidentiality of your account information.

10. Q: Can I check my account balance if I have an account with First Bank’s subsidiary or affiliate bank?

A: The methods provided in this article specifically apply to First Bank customers. If you have an account with a subsidiary or affiliate bank of First Bank, it is advisable to refer to their specific guidelines and available channels for checking your account balance.

Conclusion

Checking your First Bank account balance is crucial for effective financial management. Whether you prefer using the mobile app, USSD code, or internet banking, First Bank offers multiple convenient methods to stay updated on your funds. By monitoring your balance regularly, you can make informed decisions, budget effectively, and safeguard your finances.

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