First Savings Customer Service — Professional Guide for Account Holders

Overview: what “First Savings” customer service is responsible for

Customer service for a First Savings savings account (or any similarly named local/regional bank product) is the primary touchpoint for account maintenance, transaction questions, fraud mitigation, fee disputes, and regulatory compliance. Front-line teams include phone representatives, branch staff, and online secure-messaging specialists; behind them are specialists for wire processing, fraud/chargeback investigations, and executive escalations. Institutional responsibilities include timely response (typically within published SLA windows such as 24–72 hours for secure messages), compliance with Regulation E (electronic funds) and Regulation CC (funds availability), and accurate fee disclosures under the Truth in Savings Act.

Understanding the function and limits of customer service reduces friction: routine requests (balance inquiries, stop payments, transfer setup) are often completed same day; card replacement or stop-payment processing commonly takes 1–3 business days; complex investigations such as disputed point-of-sale transactions may take up to 45–90 calendar days under federal rules. Knowing these timelines and what documentation the bank needs will speed resolution.

Contact channels and best practices when you call or visit

Common channels are phone support, in-branch visits, secure online messages, and chatbots. When calling, have the following ready: account number, last 4 digits of your Social Security number, specific transaction dates/times, merchant names and amounts, and any printed receipts. If you use online banking, the secure message center is the preferred written trail — requests submitted there are date-stamped and typically assigned an internal reference number. For same-day needs (wire transfers, urgent stop payments) call the bank’s phone line during published business hours; wire cutoffs commonly fall between 2:00–5:00 PM local time depending on the bank.

• Documentation checklist: account number, transaction IDs, screenshots of disputed transactions, copies of receipts, photo ID, date-stamped secure messages, and the branch or agent name you spoke with (if applicable).

When preparing to escalate, write a single clear summary of facts (what happened, when, amounts, desired remedy) and include supporting attachments. Use polite but firm language: ask for a reference/ticket number, the expected resolution timeline, and the name/ID of the representative. If your account has a direct relationship manager or branch contact (common for long-time customers), copy them into the secure message or ask the phone agent to route the ticket to that person for faster handling.

Disputes, fraud reporting, and federal timelines

For unauthorized debit card or electronic transactions, federal Regulation E establishes liability caps and investigation deadlines. If you report a lost/stolen debit card within 2 business days after discovering it, your maximum liability is $50; if reported after 2 business days but before 60 calendar days after the statement is sent, liability may rise to $500; if you delay more than 60 days, you may be responsible for all subsequent unauthorized charges. Report suspected fraud immediately by phone and in writing through your bank’s secure message center.

Investigation timelines under Regulation E: the bank must provisionally credit your account within 10 business days (20 business days for new accounts) if more time is needed, and must complete the investigation within 45 calendar days for most errors; for new accounts, point-of-sale (POS) transactions, or foreign-initiated transactions, the timeframe can extend to 90 days. Keep copies of all communications; if the provisional credit is provided, the bank must notify you of the final determination and adjustments.

Fees, holds, deposits, and insurance

Know typical fee ranges and hold practices so you can contest unexpected charges. Overdraft and NSF fees have historically ranged from $27–$39 per item at many banks; daily or sustained overdraft fees and courtesy overdraft options vary by institution and must be disclosed in the fee schedule you accepted when opening the account. Wire fees commonly run $15–$50 for incoming/outgoing domestic wires; international wires and currency conversions cost more.

Deposit holds follow Regulation CC: banks must make the first $225 of a check deposit available by the next business day in most cases; the remainder may be subject to longer holds (commonly 2–5 business days) depending on amount, origin, and risk factors. FDIC deposit insurance covers up to $250,000 per depositor, per insured bank, per ownership category; verify your bank’s FDIC status at fdic.gov to confirm coverage.

Escalation, complaint steps, and external resources

If frontline customer service cannot resolve the issue to your satisfaction, escalate inside the bank: request a written escalation to the branch manager, file a formal complaint via the bank’s established complaint form (many banks publish an escalation email or complaint portal), and set a clear deadline for response (for example, 10 business days). If internal escalation fails, use federal and state oversight resources. Before contacting regulators, create a concise timeline, include supporting documents, and attach copies (not originals) of all correspondence.

• Regulatory contacts and resources: Consumer Financial Protection Bureau (CFPB) — phone 1-855-411-2372, website https://www.consumerfinance.gov/complaint; FDIC Consumer Response Center — phone 1-877-275-3342, website https://www.fdic.gov; for state-specific banking regulators, use the Conference of State Bank Supervisors lookup at https://www.csbs.org.

When filing complaints externally, include the bank’s name, your account number, a clear description of the issue, dates, amounts, and copies of prior escalation attempts. Regulatory processing times vary, but agencies will often require proof that you first sought resolution with the bank. Keep records — a well-documented file is the strongest lever for getting timely remediation, provisional credits, or fee reversals.

What credit score do you need for a first savings credit card?

The First Savings Credit Card annual fee is $49 – $75, based on your creditworthiness. You can get approved for it even with a bad credit (300+) or a limited credit history.

How can I talk to my first bank customer?

By calling FirstContact on +234 807 019 4190, 02-014485500, 02-019052326, 0708-062-5000. By emailing FirstContact [email protected].

Do banks have 24 hour customer service?

Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime.

Does First Bank have 24 hour customer service?

Option 1: FirstBank’s 24-7 Telephone Banking can be reached at 866-342-5178 and can handle this request. Option 2: Lost or Stolen Debit Cards can also be reported by calling 800-413-4211. What is FirstBank’s routing number? What is FirstBank’s current holiday schedule or holiday branch hours?

What is the phone number for Bank First 24 hour?

Questions? Contact a customer service representative at your nearest location or call (920) 652-3100.

Is First Financial Bank customer service 24 hours?

How do I contact client support? You can call our Client First Center at 877.322. 9530, Monday – Friday 8:00am –8:00pm EST, Saturday 8:00am – 5:00pm EST. Automated account access is available 24/7.