call center faqs
Can I log into my AmFirst Credit Card account without going through Digital Banking (online or mobile)?
What is the difference between my account balance and available balance?
What is my MICR number and where can I find it?
How can I see my loan application status?
I am traveling on vacation and my card was declined, should I let AmFirst know when I’m traveling out of state?
Where can I get current rates? What is the current rate on (insert account type)?
How do I set up a wire transfer?
chip card
How do I pay with my card chip?
How do I know if my card can tap to pay?


What are the benefits of a chip card?
- Advanced security due to the chip technology that makes it nearly impossible for a fraudster to counterfeit your card.
- Ability to make payments at terminals outside of the U.S. where chip cards are the standard.
How do I make a transaction?
- Insert the chip portion of the card into the terminal with the chip facing up.
- Follow the prompts on the terminal screen.
- The terminal will display the purchase amount.
- When your transaction is complete, you will be prompted to remove your card.

Where can I use my chip card?
Why was my card replaced with a chip card?
- Replacing your card with a new chip-enhanced card is one way we can help simplify your purchase experience as technology continues to change.
- Although magnetic stripe cards continue to be the most common type of card in the U.S., many other countries, especially in Europe, are switching to chip cards. Giving you a new chip card is one way we can help simplify your purchase experience when you’re traveling outside the U.S.
- We value your financial security. Your new card comes with advanced security because the chip technology makes it difficult for a fraudster to counterfeit your card.
How is a chip-enhanced card different from a magnetic stripe card?
financial transactions
How do I make a deposit to my account from a remote location?
Are wire transfers possible to and from my checking account?
How frequently is my information updated?
Can I look at all of my transactions at any time?
Can I do all of my financial transactions with you?
Can I open an account if I don’t live in the United States? What if I live in the United States but am not a citizen yet?
Can I get information about my account by phone?
How do I set up Direct Deposit of my Social Security check?
How do I set up Direct Deposit of my payroll check?
Are my deposit accounts NCUA insured?
general
How do I pay with my card chip?
How do I know if my card can tap to pay?


What are the benefits of a chip card?
- Advanced security due to the chip technology that makes it nearly impossible for a fraudster to counterfeit your card.
- Ability to make payments at terminals outside of the U.S. where chip cards are the standard.
How do I make a transaction?
- Insert the chip portion of the card into the terminal with the chip facing up.
- Follow the prompts on the terminal screen.
- The terminal will display the purchase amount.
- When your transaction is complete, you will be prompted to remove your card.

Where can I use my chip card?
Why was my card replaced with a chip card?
- Replacing your card with a new chip-enhanced card is one way we can help simplify your purchase experience as technology continues to change.
- Although magnetic stripe cards continue to be the most common type of card in the U.S., many other countries, especially in Europe, are switching to chip cards. Giving you a new chip card is one way we can help simplify your purchase experience when you’re traveling outside the U.S.
- We value your financial security. Your new card comes with advanced security because the chip technology makes it difficult for a fraudster to counterfeit your card.
How is a chip-enhanced card different from a magnetic stripe card?
What happens if I forget or lose my password?
Can I create my own password that is easy for me to remember?
How do I access online banking?
new credit card programs
Can I log into my AmFirst Credit Card account without going through Digital Banking (online or mobile)?
Will there be any changes to my reward points program?
Will there be any changes to my cash back program?
Will I still be able to make payments online?
Can I still make my a payment to my credit card at America’s First?
How can I get a replacement card?
When will my payment be due?
How can I apply for credit increases?
What if I am already signed up for credit card eStatements?
Can I receive my credit card statement by e-mail with this change?
online banking
How do I set up AmFirst Digital Banking to work with a third-party personal financial management tool like Mint, Quicken, or QuickBooks?
What happens if I forget or lose my password?
Can I create my own password that is easy for me to remember?
How do I access online banking?
What is required to use online banking?
When can I use online banking?
Can I schedule future transfers?
What formats can I download my transaction history in?
Can I view my account details in more than one way?
What accounts will I be able to access through online banking?
overdraft protection
Will you still offer free checking?
How do I opt-out of Courtesy Pay?
Do I have to opt-in to Courtesy Pay for other transactions?
How do I opt-in?
- You may visit any branch location of America’s First
- You can print and mail your opt-in notice to P.O. Box 11349, Birmingham, Alabama 35202
- Opt in online
- Contact our call center at 1-800-633-8431 or (205) 320-4000
- If you are applying to open an account online, select “Yes” to the question “Do you want America’s First to authorize and pay overdrafts on your everyday debit card transactions?”
- Regardless of how you choose to opt-in it will only take a few minutes.
Why should I opt-in?
- You are at the checkout counter of the grocery store and your total comes to $300. Your account has a balance of $285. If you opted in to Courtesy Pay, this transaction could be approved.
- You and the family are at a restaurant having dinner. The total bill comes to over $100. You only have $85 in your checking account. If you haven’t opted in to Courtesy Pay, you’ll have to find another way to pay for your meal.
What happens if I don’t opt-in?
Do I have to sign up for Courtesy Pay?
- Your membership must be in good standing; and
- Your checking account must have been open for at least 30 days.