Frequently Asked Questions
- What is the Bank’s routing number?
- When is a bank account considered Inactive?
An inactive account is a bank account with infrequent or no use at all. In an inactive account, no transaction will occur for a specified or significant period of time. If you haven’t used your savings or checking account for any transactions for over 1 year, the account becomes inactive
- When is a bank account considered Dormant?
If the account has been inactive for 18 months, it becomes dormant or inoperative. To avoid this from happening, you can carry out transactions like outward bill, check transactions, cash deposits, cash withdrawals, or using your ATM, etc.
- Do I have a limit on my debit card?
Personal Mastercard Debit Cards are issued with a withdrawal limit of $500 and a purchase limit of $2,500 daily. Business Mastercard Debit Cards are issued with a withdrawal limit up to $500 and a purchase limit of $2,500 daily. The ATM only cards allow withdrawals up to $300 daily.
- What is SHAZAM?
Our Mastercard® Debit Cards and ATM only cards are issued through SHAZAM who is our debit card processor.
- Why is SHAZAM calling me?
As our debit card processor, SHAZAM monitors our debit card transactions for suspicious activity. If SHAZAM is alerted of a potential fraud on your account, they may attempt to contact you to confirm if the transaction was conducted by the cardholder. If the transaction is determined to be fraud, they will close the card and have a new one ordered for you. They will also begin the dispute process for the fraud transactions.
- How do I unblock my card if the bank is closed?
If your card is blocked due to potential fraud or other risk rule, a representative from SHAZAM may assist you in unblocking your card. You may call SHAZAM’s afterhours debit card phone number at 1-866-508-2693.
- What is SHAZAM Brella?
Brella enables cardholders to:
- View balance information for a debit card's primary account
- Receive a variety of alerts via email or SMS (text)
- Receive suspicious transaction alerts via email or SMS (text)
- Block a variety of transactions from being approved
- Block and unblock your card from future purchases
You can access Brella for free from your laptop, PC or mobile device at https://shazambrella.net.
- How do I update my linked email in the SHAZAM Brella app?/dt>
Log in through the SHAZAM Brella website or in the app to update the email linked to your card controls and alerts.
- Where do I call if there are transactions on my account that I don’t recognize?
Please call 1-866-508-2693 to review your transactions with a SHAZAM representative and discuss your transactions. If a dispute needs to be filed, the representative will help start the process for you.
- What ATM’s can I use surcharge free?
Besides using all 1st Bank Yuma owned ATMs, you have the flexibility of using any MoneyPass ATM surcharge free. Visit our Locations & ATMs page to access MoneyPass.
- Do you have debit cards?
Yes. We offer both personal and business Mastercard branded debit cards. If you have a savings account, we can also issue you an ATM only card.
- Do you offer digital wallets for my debit card?
Yes. Please visit our digital payments page to learn more.
- Can I open an account online?
At this time, we do not offer an option to open your accounts online. You may visit any of our five conveniently located branches in Yuma County and Santa Cruz County to establish your deposit account.
- How do I key in my international phone number when enrolling in Online Banking?
When keying in your international number, enter three digit Lada followed by phone number, i.e. (653) 534-1687
- Am I able to set Alerts in Online Banking?
Yes. User level and Account level alerts are available to notify you for various conditions. Once you log in to Online Banking, go to the Accounts tab, then Account Alerts. If you are using Mobile Banking, click on Account Services, then Alert Management
- How do I make changes to my Online Banking profile?
Once you are logged in to Online Banking, you can access the Change Profile under the Services tab. In Mobile Banking, the option is found in the Profile tab.
- Am I able to submit a travel notification through Online Banking?
Yes. Once you are logged in to Online Banking, you can access the Travel Notification under the Services tab. In Mobile Banking, the option is found in the Account Services tab.
- How do I dispute a transaction on my account?
For debit card disputes, contact our partner SHAZAM at 1-866-508-2693.
For electronic debits or check disputes, visit any of our branch locations or by calling us during normal business hours at 1-866-384-3226.
- What is new?
We have added many new features so our customers can transfer money with ease. We have added external accounts, so you can now send money to an external bank account you own. In addition we have added P2P or Person 2 Person payments, now you can send money to a friend using only their email address. Also, you can now pay your loan payment using an external account at another bank. Last but not least, we have added internal to internal transfers (i2i), now you can send money to another 1st Bank Yuma account that you do not have account ownership to.
- What is 1st Bank Yuma P2P?
1st Bank Yuma P2P is a service provided to personal accounts that allows you to send money to virtually anyone who has a bank account and an email address. It is easy, convenient, secure, and fast.
- What does 1st Bank Yuma P2P cost me?
Nothing. You can use 1st Bank Yuma P2P to send money at no charge.
- Do I need to be a 1st Bank Yuma customer to use 1st Bank Yuma P2P?
Yes, to send money you need to be 1st Bank Yuma customer. However, the person receiving the funds does NOT need to be a customer of 1st Bank Yuma.
- Who can I send funds to?
You can send funds to anyone in the United States who has an email account. For example, you can:
- send money to friends
- pay an invoice to a business
- send money to your children in college
- pay your sitter
- pay the neighborhood lawn service
- How do I enroll to use 1st Bank Yuma P2P?
You will need to be an online or mobile banking user. Once you are enrolled for online or mobile banking, you can use 1st Bank Yuma P2P.
- How do I send and receive money using 1st Bank Yuma P2P?
It is very easy to send money to a friend:
- Log in to online or mobile banking.
- Click <Person 2 Person (P2P)>.
- Enter the name, the amount, the email address, and a password you will share with your friend. If you have paid this friend before, we remember their information so you don't have to type it again.
- Now your friend receives the email, provides their bank information, and accepts the request.
- In a day or two, the funds will be delivered to the friend's bank account.
- Is the password required to submit a P2P payment?
Yes. As an added layer of security, the password is required to ensure your designated recipient receives the funds.
- Is 1st Bank Yuma P2P secure?
Security is important to 1st Bank Yuma. We do several things to ensure that your account information stays secure.
With 1st Bank Yuma P2P, neither the sender nor the receiver knows the other's bank account. The funds are not sent via mail, and a card number is not exchanged.
- Can I send funds outside the USA?
No. Funds can only be sent to banks inside the United States.
- Does the recipient have to have an email address?
Yes. The recipient must have an email address or know the email equivalent of their mobile phone number.
- What if all I know is the person's cell number?
At this time, sending payments via a cell number is not available.
- How long will it take for the recipient to receive the funds?
Normally, it takes two business days for the funds to reach the recipient after they have accepted the funds.
- How soon will the email alerts be sent?
Numerous email alerts may be sent. The first will be to the recipient, announcing that they have been sent money. Other alerts include being warned when the payment will soon expire.
- When does the money leave my account?
The money leaves your account immediately when the receiver accepts the payment.
- Will the receiver see my account number?
No. Neither party sees the other's account information.
- Do I need to know the receiver's account number?
No. Both parties only need to know their own account number.
- What if the receiver doesn't accept the funds?
If the receiver doesn't accept the funds within a designated time period, both the sender and the receiver will receive an email message warning them that the payment is about to expire. When a payment expires, the receiver can no longer receive those funds. The sender may choose to send a new payment.
- What happens if I don't have enough money to cover the payment?
You will receive an alert telling you that you do not have sufficient funds. The receiver will also receive an email stating that there was an issue and that they should contact you to check on the payment. No information will be given to the receiver about the lack of funds.
- How can I send money to an external account?
In order to send money to an external account, you must first go through the external account validation process. You will need to login to online banking and navigate to External Accounts under the transfer menu. Here enter the routing and account number of the external account as well as agree to the terms. Two deposits will be sent to the external bank account. In order to verify the account you will need to know the transaction amounts and login to online banking and enter the amounts on the external account verification. Once you have verified the external account, you can now send money to that external account by scheduling a transfer at any time.
- What is i2i?
This feature allows you to send money to another person who bank’s with 1st Bank Yuma. To send money using i2i (internal 2 internal) you will need to know the full account number of the recipient as well as the full legal name. This allows users to send money to another customer at 1st Bank Yuma and the funds are transferred immediately.
- What is ACH Loan Pay?
ACH Loan Pay allows a 1st Bank Yuma customer to pay their loan at 1st Bank Yuma from a checking or savings account at another bank. Simply login to 1stbankyuma.com and select Loan Payment from the Payment & Transfers menu. You will now see the option to pay your loan payment using an external account. Simply enter the routing & account number of your deposit account and agree to the terms and conditions. Your loan payment will be processed and the external bank account will be debited for the payment.
- How do I get the 1st Bank Yuma Mobile App?
The 1st Bank Yuma mobile app is now available for download in the Google play and the Apple app stores.
- What is the difference between Mobile Web and the Mobile App?
Mobile web is accessed using only your browser. The biggest difference is that the Mobile App allows you to submit mobile deposits on your device. You cannot use Mobile Deposit without installing the 1st Bank Yuma Mobile App.
- How do I submit Mobile Deposits?
Login to the 1st Bank Yuma mobile app and navigate to Mobile Deposit & take the following steps with your check:
- Sign your check and include “Deposit only to 1st Bank Yuma” prior to depositing
- Keep the check in a secure location for 14 days to give it time to clear the maker’s account
- Write VOID on the front of the check and destroy it or keep it (shredding is most secure).
- How quickly will the funds be in my account?
In normal processing the funds from your deposited check will be in your account same business day if the check is approved. To ensure proper processing, please make sure that the images of the front and back of your check are clear and include all four corners of each side.
- How does my institution use the pictures I take to make a deposit into my account?
On October 28th, 2004, the Check Clearing for the 21st Century Act or Check 21 went into effect. This law was designed to enable banks to handle more checks electronically and make check processing faster and more efficient. Because of Check 21 your institution is able to use the images captured on your phone to convert your check into a Check 21 image and process it electronically as a replacement of your paper check.
- Can the funds come back out of my account once they show deposited?
Yes. As a service to our customers, we give next day funds availability to the checks you deposit. As with paper checks, there is still the opportunity for the institution that holds the account the check is drawn on to return the check because of insufficient funds or other reasons. The process for recovering the funds from these checks is the same as if you deposited a paper check.
- If I receive an error when trying to deposit my check, what should I do?
The most frequent error is caused by an invalid image. Make sure that your check is placed against a solid background such as a table, that the image is focused, and that all four corners of the check are visible. If the image is good you may be getting an error that tells you the check cannot be deposited at this time. Wait several minutes and try submitting the check again. If errors persist, please contact your institution.
- What is Mobile Web?
Mobile Web is a new service that allows you to complete Internet banking transactions through a Web-enabled mobile device. You can access mobile web by navigating to this URL on your device: https://m.1stbankyuma.com
- Mobile Web is active, now what?
Login using the appropriate links at the top of this page. If you cannot login, please call us at 1-866-384-3226.
- How much does it cost?
No additional fees or costs are associated with activating and using Mobile Web.
- How do I access Mobile Web on the mobile device?
Go to https://m.1stbankyuma.com. That will launch the mobile version of the site. Enter your Internet Banking username and password to login. After logging in, a list of accounts to which you have access will appear.
- What kind of mobile devices can use the Mobile Web service?
Most Web-enabled phones or other devices with a WAP 2.0 and XHTML-MP compatible browser can use Mobile Web. You must have an active data plan through your service provider to utilize Mobile Web.
- Can I change my Mobile Web username and password?
Yes. Changing the username or password for Internet Banking settings will also change your settings for Mobile Web.
- What types of accounts can I access with Mobile Web?
You can access personal or business accounts through your mobile device.
- What types of transactions can I perform through my mobile device?
In addition to viewing account information, you can make loan payments, transfer funds, and send a p2p payment and more.
- Can account history information be accessed through Mobile Web?
Yes. You can view a variety of information about past transactions, including the transaction date, description, and amount. You can also search history by account type or date range.
- What happens when I use an invalid username or password to access the site?
An error message appears indicating that invalid logon credentials were used, and the system does not allow logon.
- How can I provide feedback on Mobile Web?
After logging on, you can use the User Feedback option to send us any suggestions for improvement.
- What kind of security is included with Mobile Web?
Mobile Web includes the following security features:
- 256-bit encryption.
- Password protection.
- Automatic session expiration. The application will time out if the customer has not used the application for several minutes.
- Privacy protection. No private data is stored on the mobile device.
- Reduced risk feature set. Customers can pay existing bills but not set up new bills, for example.
- Masked account numbers. It masks account numbers with Xs whenever practical within the application.
- Site-to-user verification. It asks customers to confirm an image and phrase upon logging on so they know they are dealing with their bank.
- Multi-factor authentication. Mobile Web provides a multi-factor authentication feature that appears whenever the user attempts something unusual, such as using a different mobile device or accessing the site from a new IP address. This feature asks the customer personal questions, and in order to continue, the answers must match the ones they entered when they signed up for the service.
- How do I create a shortcut of the Mobile Web Banking site on my phone?
On an iPhone:
- Launch Safari and type in the web URL (https://m.1stbankyuma.com) in the browser address bar, then press "Go".
- At the bottom of the screen you'll find a shortcut icon. Press it.
- Select "Add to Home Screen".
- Give your shortcut a name, such as 1st Bank Yuma or 1BY. After you type it in, press "Add" at the top of the screen.
On an Android:
- Launch your browser and go to the Mobile Web Banking site (https://m.1stbankyuma.com).
- Press the Menu button and select "Add Bookmark" or the star icon. You can customize the name of the bookmark, such as 1st Bank Yuma or 1BY. Tap "Save" to save the bookmark to the device's bookmarks location.
- Tap Bookmarks to open the bookmarks library. Scroll through the bookmarks until you find your Mobile Web Banking bookmark. Press and hold your mobile Web Banking bookmark and choose "Add shortcut to Home." A 1-touch icon for Mobile Web Banking is added to your home screen.
Please note that you may need to complete one more of these steps depending on the type and/or version of your phone.