First Savings Credit Card

First Savings Credit Card Review

First Savings Bank Credit Card is one of the popular credit cards which are available for consumers in certain states of the United States of America. The first savings credit card is issued by the First Savings Bank which has locations is certain states of the country. It is one of the oldest bank in the United States of America and all over the world. The first savings bank was first established in the year 1913 in order to serve the residents of South Dakota where it has its headquarter but over the course of last century, it has managed to grow and expand to the other adjoining states of the country.

Locations where First Savings Bank is offering services

First Savings Credit Card

First Savings Credit Card

The states of the country where the bank is operational and offering its services include South Dakota, New Mexico, Nevada, Nebraska, Texas, and Arizona. The bank’s motto is to serve the areas where it has traditional connections and the values of the bank align with the values of the community. The bank is proud that it has survived for such a long period of time for more than 100 years as a family-owned business offering personal banking and business services to the people of the community. First savings bank takes pride in the fact that it has served the best communities of the United States for a long period of time.

To be precise, it is an America Savings Bank which is headquartered in South Dakota and has branches in many other parts of the country. The bank serves in a lot of different areas of the banking business in a number of states of the country which are 6 in number in the Southern parts of the country.

Some of the interesting facts about the First Savings Bank are listed below:

  1. It is one of the oldest banks all over the world as it was founded in 1913 having a life of almost 105 years. This shows that the people in the areas where the services are offered by the bank have put their trust in it.
  2. The First Savings Bank is known to be a family-owned business with having a special connection with the people of the area that it services.
  3. It has been listed under Banking and Financial Services in its business listing.
  4. The bank operates in 6 different states in the Southern parts of the United States. The bank also operates in 6 different states of the country namely South Dakota, New Mexico, Nevada, Nebraska, Texas and Arizona in scores of different locations in these States. The services offered by the bank are in various different sectors of banking, business, savings and credit cards.
  5. First Savings Bank is one of the major employers in the areas that it serves with hundreds of employees currently working for the bank at its different locations.
  6. The company also has one of the biggest customer bases all over 6 states where the banking services are being offered by the bank. There are hundreds and thousands of customers getting benefits of the services offered by the bank.

Services Offered by the First Savings Bank

The first savings bank is a community bank offering a wide range of services catering to the needs of people in different sectors and echelons of the society. The first savings bank take care of the people in the business sector, the banking sector, the agriculture sector and the common residents of the society. The general domain areas where the bank is offering its services are as follows:

  1. Personal Banking Services
  2. Business Banking Services
  3. Agriculture Banking Services

Below we will discuss in detail the services offered by the first savings bank.

Personal Banking Services

Personal banking services are offered so that the people of the community can manage their assets, finances and carry out transactions. There are a number of different kinds of account options available for the users of the bank depending upon their need. However, all the accounts offer basic services which add to the ease of doing business, there are certain features which are exclusive for some of the bank accounts. The account types and their features are as follows:

  1. Quality Checking: With the help of Quality Checking, you can write as many checks as you want and the checking experience is significantly increased. This kind of account offers you the ability to take the images of your checks which can be delivered to you. There is no monthly fee for available this service as well which makes much more convenient. From this kind of account, you can get online statement delivery, social security, VA benefits, maintaining a minimum balance, retirement plan etc. The other commercial services which can be added to this account are ATM/Check Card, Online bill payment, Mobile Banking, Online Statements, and PC Express Internet Banking.
  2. Regular Checking: With the help of regular checking, you have the ability to take the images of the checks as well as have them delivered to your address. This kind of account brings lots of ease to the life of the customer. From this kind of account, you can get online statement delivery, social security, VA benefits, maintaining a minimum balance, retirement plan etc. The other commercial services which can be added to this account are ATM/Check Card, Online bill payment, Mobile Banking, Online Statements, and PC Express Internet Banking.
  3. O.W Checking: This kind of account of the bank come with interest-bearing options. From this kind of account, you can get online statement delivery, social security, VA benefits, maintaining a minimum balance, retirement plan etc. The other commercial services which can be added to this account are ATM/Check Card, Online bill payment, Mobile Banking, Online Statements, and PC Express Internet Banking.
  4. VIP Club: This kind of account is most suitable for the customers in the age group of 55 years and above as it offers them special perks and privileges. It offers high quality of services and benefits. Some of the benefits of this kind of account are special VIP checks, No fee cashier checks, VIP club products, Group travel and seminars, No fee photocopies and fax. From this kind of account, you can get online statement delivery, social security, VA benefits, maintaining a minimum balance, retirement plan etc. The other commercial services which can be added to this account are ATM/Check Card, Online bill payment, Mobile Banking, Online Statements, and PC Express Internet Banking.
  5. Health Saving Account: It is one of the most valuable and significant accounts of the bank which allows you to save for your health insurance. It allows you to save money for allowed medical expenses. The contributions are made with the help of tax-free dollars and the earnings on the contribution are also tax-free. This allows you to earn significantly for your medical expenses.
  6. Loans: The bank allows the clients to have access to the loans at the time of need. In this way, they can pay for their expenses while paying the bank the loaned amount with a reasonable interest.
  7. Retirements and Savings: The bank allows you to save for your retirement so that when you get old, you can have a peaceful life.
  8. Internet Banking: Internet banking services are offered by the bank with the help of which, the users can access their accounts online and make online transactions.

Business Banking Services

While the bank offers services to the common people, it also caters to the banking needs of the business and corporate sector. The bank offers services to the business such as business banking, loans, and cash management.

  1. Business Banking: Different kinds of corporate business account services are offered by First Savings Bank to the small and big business in the areas where it serves. The bank allows the businesses to open their accounts with the bank, make transactions, write checks, do online banking, have access to bank drafts, demand drafts, pay orders etc. With the help of the business accounts the users can get online statement delivery, social security, VA benefits, maintaining minimum balance, retirement plan etc. The other commercial services which can be added to this account are ATM/Check Card, Online bill payment, Mobile Banking, Online Statements, and PC Express Internet Banking.
  2. Loans: The bank provides access to easy loans for the users so that they can invest more money in their accounts and grow their businesses. There are two types of business loans which are offered I.e. Agriculture loans & Commercial loans.
  3. Cash Management: The bank offers comprehensive cash management services with the help of which the users can effectively deal with their deposited money. The banks allow the transaction of money to merchants and those in different parts of the world. It allows to pay bills online, have access to the internet and mobile banking.

Credit Cards Offered by First Savings Credit Cards

The first saving bank offers a credit card for its users with the help of which they can make purchases on credit. The due money to the bank can be paid at the end of the billing month. This credit card offers flexibility to the users as they do not have to deal with cash all the time. The credit card of the first savings bank is powered by MasterCard which is one of the major debit and Credit card supporter all over the world.

With the help of the Credit card of the first savings bank, you are in control of the purchases that you make and you are not misled into making an unnecessary purchase. The bank is always very clear about the terms and conditions of using the credit card such that no hidden charges will have to be paid and all charges are informed to the users clearly. The users do not have to pay any penalty APR on the use of the first savings credit card. The possession of the first saving credit card also allows the users to have the luxury of fraud coverage in case they undergo such a situation. Also, the card allows the users to have coverage of a stolen card. You can have a secure online account access with the help of the first savings credit card.

What are some of the benefits which can be obtained by purchasing through the First Savings Bank Credit Card?

As we discussed earlier, there is a wide range of rewards which can be obtained by purchasing products through the First Savings Bank Credit Card. The benefits are rewards are usually the discounts for making a first time purchase, daily purchases and other bonuses which are available from time to time. The daily discounts are the most important discounts as they can accumulate into a huge sum.

  1. Low APR and Limited Time Offers: When the card is first obtained by the person, there is an opportunity to avail the low APR for a limited period of time. APR is the interest rate which the users have to pay on the purchase of the products through credit card. For the first savings credit card, the APR amount in the first 6 months of the use of the first savings credit card is 2.90% called the inductor APR. However, after the passing of the inductor period, there is an APR of around 15%.
  2. Limited time discounts: There are a number of limited time discounts which can be availed using the first savings credit card. The first savings bank from time to time have a collaboration with some shopping brand or food restaurant whereby making payment with the help of the credit card, lucrative discounts can be availed.
  3. Coupon Discounts: A number of online stores allow the option of making payments through the credit card of different banks. When the users choose to make the payments through the credit card, they have the option of adding a Coupon for a discount. The coupons are available from time to time and discounts up to 15% can be obtained. More and more users tend to get this card because of this extraordinary and unique feature offered by the First Savings Bank Credit Card.
  4. Convenience and Control on Purchase: With the help of the Credit card of the first savings bank, you are in control of the purchases that you make and you are not misled into making an unnecessary purchase. This is one of the highly rated features of this card as the users only want to use the card when it is most convenient to them.
  5. No Annual Fee: First Savings Bank credit card is highly lucrative to the users as they can get the credit card and do not need to pay an annual fee. Most of the Credit Cards in the world require some annual fee to be paid for using the credit card. The annual fee has to be paid no matter if you use the card or not. The annual fee run in several dollars which is usually a huge amount for certain users. However, in the case of First Savings Bank credit cards, no annual fee needs to be paid which saves quite a few dollars for the users. No annual fee or any other additional charges if the dues of the credit card are paid well in time. More and more users tend to get this card because of this extraordinary and unique feature offered by the First Savings Bank Credit Card.
  6. No Hidden Charges: The bank is always very clear about the terms and conditions of using the credit card such that no hidden charges will have to be paid and all charges are informed to the users clearly.
  7. No Penalty APR: The users do not have to pay any penalty APR on the use of the first savings credit card. This means that if the payment of the credit card is missed due to any reason, the penalty APR does not apply. However, the card has to be paid in a reasonable period.
  8. Theft and Stolen Card Coverage: The possession of the first saving credit card also allows the users to have the luxury of fraud coverage in case they undergo such a situation. Also, the card allows the users to have coverage of a stolen card. You can have a secure online account access with the help of the first savings credit card.
  9. Bonuses: The users of the credit card of the First Savings Bank are offered special bonuses from time to time which makes the deals on different online shopping store highly attractive and lucrative to them. The bonuses can be in the form of discounts, coupons, and cash backs. More and more users tend to get this card because of this extraordinary and unique feature offered by the First Savings Bank Credit Card.
  10. Customer Service: The customer services offered by First Savings Bank is one of the best among all the credit card services provider. The customer services are offered 24/7 and the users can ask Solutions to their issues at any time. The customer service has been best rated by the users as judged by the reviews on the internet.