⚠️ Scam Call Alert: Fraudsters are spoofing CoreFirst’s Fraud Department and using real employee names to try and gain YOUR ACCOUNT ACCESS. CoreFirst will never ask for your login or personal info in an unsolicited call, text, or email. If something feels off, hang up immediately and call us using a published number.
FDIC-Insured-Backed by the full faith of the U.S. Government.
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Policy for Equal Employment Opportunity
It is the policy and practice of CoreFirst to provide equal opportunity in employment and advancement opportunities to all employees and applicants.
CoreFirst does not discriminate in employment opportunities or practices on the basis of race, color, religion, sexual orientation, gender, pregnancy, national origin, age, disability, genetic information, military status, or any other characteristic protected by state and federal law.
Our Equal Employment Opportunity policy covers all employment practices including, but not limited to selection, job assignment, compensation, discipline, termination, and access to benefits and training.
Any employee who engages in unlawful discrimination or retaliation will be subject to disciplinary action up to and including termination.
EEO PolicyExplore our revolving line of credit designed to cover unexpected expenses when your account is overdrawn. It’s a smart way to avoid costly fees and keep your finances on track.
CoreFirst Bank & Trust uses multi-layered authentication before allowing access to accounts through various access points that include but are not limited to Internet Banking, Mobile Banking, ATM or point-of-sale use. Authentication can include several things so the bank knows that the customer is the account holder. These items can include the correct knowledge of passwords, personal identification numbers (PIN) and correct usernames. Safeguards are also in place to time-out of a current session after a period of time. If your mobile device is lost or stolen your enrollment should be cancelled.
Despite these safeguards, you can personally do the following to insure greater security of your information.
Make sure it is at least 12-16 characters long and includes numbers, lower case letters and at least one capital letter. Change your password frequently and pick something that cannot easily be guessed.
The first step would be to contact your phone carrier. The second important step would be logging into Internet Banking on another device and change your password credentials.
A good security practice is to always download your apps from a reputable source. The official CoreFirst App will only be available at the App Store or Google Play. CoreFirst Bank & Trust should always be listed as the seller of the product.
If you are currently enrolled in Internet banking, you can access the mobile banking app. Just follow these simple steps:
1. Make sure you are enrolled in Internet Banking
2. Download the Mobile App by navigating to Google Play or the App Store and search for CoreFirst Bank & Trust
3. Utilize your Internet banking ID and Password to login
Overdraft Coverage¹ is a discretionary service that we add to consumer checking accounts to cover overdrafts when eligibility requirements are met. Overdraft Coverage and Overdraft Coverage with Cover My Card are not a line of credit. All qualified banking accounts have the option to be enrolled in the most basic protection for checks, ACH and recurring debit card transactions.
To receive full-coverage on your account, you can also decide to enroll in Overdraft Coverage with Cover My Card and CoreFirst will strive to pay ATM and non-recurring debit card transactions to ensure all of your transactions are covered. Learn more about Opting-In or Out.
When you opt-in for Overdraft Coverage with Cover My Card, CoreFirst can consider authorizing discretional payment on ATM & non-recurring Debit Card transactions when you have insufficient funds to cover the amount. Fees will be incurred each time we pay an overdraft transaction. Fees¹ will be charged only if we actually cover an overdraft and are detailed below. There is no fee to Opt-In your account. In order for us to consider these types of transactions as part of your Overdraft Coverage plan, you will need to Opt-In one of the following ways:
By opting-out of Overdraft Coverage with Cover My Card you DO NOT authorize CoreFirst Bank & Trust to cover your non-recurring debit card and ATM transactions when the balance is insufficient in your account. This will cause the transactions to be declined. If you would like to opt-out from this part of the Overdraft Coverage contact us:
1A fee of $29.00 will be charged for each overdraft - up to six (6) overdraft charges can be charged each business day, not to exceed $174.00. After the first 6 overdrafts in a business day, the bank will pay authorized debit card transactions and return checks which may carry an Insufficient Item fee of $29.00 per item, per presentment. We will not charge a fee if your account is overdrawn less than $5.00 on any given day. If you are over the age of 18, your account may have Overdraft Coverage. According to the law, consumers will need to agree to participate in (or "opt in" to) the Overdraft Coverage program for ATM transactions and one-time debit card purchases. All eligible customers are qualified for Overdraft Coverage for checks, ACH and recurring debit card transactions unless a specific opt-out request is made. This service does not constitute either a written agreement of an obligation or a prearranged agreement for CoreFirst Bank & Trust to pay your overdrafts and we may withdraw this coverage at any time. Payment of any overdrafts will continue to be at the discretion of CoreFirst Bank & Trust and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion. Please see your Deposit Account Agreement for additional detail.
Please review our Overdraft Q & A for more important details.
Account Link2 allows you to link your banking account to a savings, money market or secondary checking account. In the event your primary account becomes overdrawn3, funds can be transferred from the linked account to cover the amount.
2An $8.00 daily advance fee is assessed only when a transfer is made from Account Link.
3A fee of $29.00 will be charged for each overdraft - up to six (6) overdraft charges can be charged each business day, not to exceed $174.00. After the first 6 overdrafts in a business day, the bank will pay authorized debit card transactions and return checks which may carry an Insufficient Item fee of $29.00 per item, per presentment. We will not charge a fee if your account is overdrawn less than $5.00 on any given day. If you are over the age of 18, your account may have Overdraft Coverage. According to the law, consumers will need to agree to participate in (or "opt in" to) the Overdraft Coverage program for ATM transactions and one-time debit card purchases. All eligible customers are qualified for Overdraft Coverage for checks, ACH and recurring debit card transactions unless a specific opt-out request is made. This service does not constitute either a written agreement of an obligation or a prearranged agreement for CoreFirst Bank & Trust to pay your overdrafts and we may withdraw this coverage at any time. Payment of any overdrafts will continue to be at the discretion of CoreFirst Bank & Trust and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion. Please see your Deposit Account Agreement for additional detail.
Using the product listed above can help put an end to inadvertent overdraft and returned check fees. Please review our Overdraft Q & A for more important details.
Your privacy is important to us. This notice includes CoreFirst Bank & Trust’s (bank) online services, including mobile banking, websites and social media sites or pages branded as CoreFirst Bank, as well as any interactions you may have while viewing content from a digital advertising campaign.
Please keep the following in mind as it relates to online activities:
The CoreFirst Bank & Trust mobile app is a great way to access your accounts with any mobile device. When you utilize the bank’s mobile app, we may collect information such as:
When using the Mobile App, we may also request access to information stored on your device such as location, camera, contacts and other features to enhance your experience. It is important for you to understand that:
CoreFirst Bank & Trust is committed to protecting user privacy consistent with the Banking Industry Privacy Principles for U.S. Financial Institutions. CoreFirst Bank & Trust uses multi-layered authentication before allowing access to accounts through various access points that include but are not limited to Internet Banking and Mobile App Banking. Authentication can include several things that the bank knows about its account holder. These items can include the correct knowledge of passwords, personal identification numbers and correct usernames. Please visit our Website and online
The CoreFirst Bank & Trust website does not collect personal information about users except when specifically and knowingly provided by such users. Once you have provided personal identifying information, it will only be used for the purposes of managing the CoreFirst Bank & Trust website, or for such other purposes as described at the point of data collection. Such information will not be transferred to other parties unless otherwise stated at the point of data collection.
Website users should be aware that when they voluntarily disclose personal information, either through registering, by posting a message or completing an application, that information can be collected and used by others and may result in unsolicited messages from third parties.
CoreFirst Bank & Trust is committed to protecting user privacy and the CoreFirst Bank & Trust website is maintained consistent with the Banking Industry Privacy Principles for U.S. Financial Institutions.
Visitors to this bank website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors including your online and mobile activity with tracking technology for the purposes of analytics and advertising, including:
Opting out of these tracking technologies can usually be done in the “settings” menu of your browser. For Apple devices: Settings-Privacy-Advertising-Limit Ad Tracking(On). For Android devices: Settings-Ads-Opt-out interested-based ads.
The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors may elect to provide us with personal information via email, online forms or through our Contact Us feature. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.
Pursuant to the Children’s Online Privacy Protection Act, this website was not created or intended to be used by children.
We will limit sharing of your information in accordance with the choices you have provided us in response to our general Privacy Notice.
We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.
We may change this Online Privacy Notice at any time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new "Effective" date. Any changes to this Online Privacy Notice will become effective when posted unless indicated otherwise.
If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and non-recurring debit card transactions you may do so by one of the following methods:
Under our standard overdraft practices:
With Overdraft Privilege we do authorize and pay overdrafts for the following types of transactions at our discretion:
We do not authorize and pay overdrafts on the following types of transactions unless you ask us to by opting-in.
If you would like to Opt-In for these type of transactions to be considered, opt-in by clicking below.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdraft in two different ways.
| Annual Percentage Yield3 | Paid on qualifying balances |
|---|---|
0.30% APY3 | Paid on balances under $25,000 |
0.50% APY3 | Paid on balances of $25,000 to $49,999.99 |
2.27% APY3 | Paid on balances of $50,000 to $99,999.99 |
2.78% APY3 | Paid on balances of $100,000 to $249,999.99 |
3.30% APY3 | Paid on balances of $250,000 to $999,999.99 |
3.82% APY3 | Paid on balances $1,000,000.00 to $2,999,999.99 |
3.82% APY3 | Paid on balances $3,000,000.00 and over |
Important Balance Information
If the daily balance is less than $25,000, the interest rate on the entire account balance will be 0.30% with an annual percentage rate of 0.30%. If the daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance of the account will be 0.50% with an annual percentage yield of 0.50%. If the daily balance is more than $49,999.99, but less than $99,999.99 the interest rate paid on the entire balance in the account will be 2.25% with an annual percentage yield of 2.27%. If the daily balance is more than $99,999.99, but less than $249,999.99 the interest rate paid on the entire balance in the account will be 2.75% with an annual percentage yield of 2.78%. If the daily balance is more than $249,999.99, but less than $999,999.99 the interest rate paid on the entire balance in the account will be 3.25% with an annual percentage yield of 3.30%. If the daily balance is more than $999,999.99, but less than $2,999,999.99 the interest rate paid on the entire balance in the account will be 3.75% with an annual percentage yield of 3.82%. If the daily balance is more than $2,999,999.99, the interest rate paid on the entire balance in the account will be 3.75% with an annual percentage yield of 3.82%.
3Annual Percentage Yield (APY) is valid as of . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply. Please visit www.fdic.gov to make informed decisions about your deposit coverage, or, visit one of our branches and talk to one of our bankers or call 1-800-280-0123.
| Annual Percentage Yield2 | Paid on Qualifying Balances |
|---|---|
| 0.30% APY2 | Paid on balances under $10,000.00 |
| 0.45% APY2 | Paid on balances of $10,000.00 to $24,999.99 |
| 0.55% APY2 | Paid on balances of $25,000.00 to $49,999.99 |
| 0.75% APY2 | Paid on balances of $50,000.00 to $99,999.99 |
| 1.00% APY2 | Paid on all balances of $100,000 to $249,999 |
| 2.02% APY2 | Paid on all balances of $250,000 to $749,999 |
| 2.53% APY2 | Paid on all balances over $750,000.00 |
2Annual Percentage Yield (APY) is valid as of . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. See account disclosures for transaction limitations.