Open An Account

MENU

Category: Manual

Categories
Manual

Mobile Privacy Policy

Mobile Privacy Policy

Rev. 04/2023

Facts

WHAT DOES COMMUNITY FIRST BANK DO WITH YOUR PERSONAL INFORMATION FROM THE MOBILE APPLICATION?

Why?

The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.
  • If you later change your mind, those permissions can be updated in your device’s settings.

What?

Some examples of information your app will request access to are:

  • Location
  • Contacts
  • Camera

How?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Questions?

Please contact Community First Bank at 1-864-364-6130 regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.

You can also access the bank’s full Privacy Policy HERE.

Categories
Manual

Understanding Fraud

Report Fraud

SAFEGUARD YOUR FINANCIAL INFORMATION

At Community First, our highest priority is the protection of your personal and financial information, and we go to great lengths to maintain your privacy and security. There are also steps that you can take to protect yourself, which are provided below. Please review this information carefully and save it as a reference. As always, thank you for banking with Community First.

Spotting Debit Card Fraud

Learn about different types of debit card fraud and tips to protect yourself.

READ MORE…

Debit Card vs Credit Card

Learn the difference between debit card and credit card fraud.

READ MORE…

ONLINE BANKING

General Tips

  • Community First will never initiate contact with you to request your login credentials or any other confidential information. Do not give that information to anyone over the telephone.
  • When using Online Banking, ensure that the “secure site” (padlock) icon is visible.
  • Remember to change your password periodically.
  • Maintain the confidentiality of your password.
  • Ensure that your firewall is active.
  • Log on from the Online Banking site once your banking is complete.
  • Review your bank statements in a timely manner.
  • Always double-check the website URL to ensure that it is correct and not misspelled.
  • Keep your security software up to date.

Personal Banking Customers

  • Ensure the strength of your password by incorporating both upper-case and lower-case letters, numbers, and special characters.
  • When shopping online, follow the steps provided by your credit card vendor to use your secure code for protection against unauthorized use of your card.
  • For more information, visit https://www.fdic.gov/consumers/ consumer/news/index.html.

Business Banking Customers
Evaluate your online banking risks and related controls via: 

  • Internal/external control assessment
  • Firewall intrusion testing
  • Safeguarding of passwords/password-protected software
  • Prompt deletion of system access for former employees
  • Dual control access
  • Employee background checks/credit bureau report review

To learn more about safe online banking, visit:

  • www.consumerfinance.gov
  • www.ftc.gov
  • www.usa.gov
  • www.idtheft.gov

MOBILE BANKING

  • Make sure that your telephone app is downloaded from a reputable source.
  • If your phone is lost or stolen, notify Community First as soon as possible.

 

REPORTING LOST OR STOLEN CREDIT OR DEBIT CARDS
  • If your credit cards are stolen, file a report with the police, and cancel the cards immediately.
  • Report missing cards to one of the three major credit reporting agencies, and file a fraud alert in your credit report:

Equifax (800) 525-6285
Experian (888) 397-3742
TransUnion (800) 680-7289

  • Report the loss to Community First, and consider opening new accounts and/or stopping payments on any outstanding transactions.

Credit Cards (800) 325-3678
Debit Cards (800) 500-1044

  • Contact Community First, and we will notify our check verification service. One of the companies that accept reports of check fraud directly from consumers is.

TeleCheck (800) 710-9898

  • Get a new card (debit and/or credit) with a new number and password.
PREVENTING IDENTITY THEFT
  • Pay attention to your statements.
  • Do not give out personal information over the phone or through the mail or email unless you have initiated the contact.
  • Safeguard or destroy (shred) personal information.
  • When you make up your Personal Identification Number (PIN), do not use something a thief might guess (birth date, Social Security number, phone number, etc.).
  • Order and review your credit report every year.
  • Shop online only with trusted companies.
  • Do not click on emails from unknown senders.

RECOGNIZING FRAUD

If you can answer YES to any of the following questions you may be the victim of fraud or identity theft.
  • Have you been asked to wire funds to any other foreign country?
  • Have you been asked to pay “upfront” money to receive a greater sum of money at a later date?
  • Have you been informed via email or telephone that you were the winner in a lottery from a foreign country?
  • Have you been offered to pay or commission to facilitate the transfer of money?
  • If you recently sold an item over the Internet, is the amount of the check you received more than the selling price of the item? Were you asked to refund the difference? Is the check drawn on an individual or business different from the person buying your item or product?
  • Have you been invited to participate in a “once in a lifetime” investment opportunity requiring a good-faith down payment?
  • Have you received text messages to your cell phone appearing to be from your bank to solicit personal information related to reactivating your ATM card?
  • Have you used your PIN at an ATM that has a suspicious device attached or appears otherwise modified or less than genuine?

REPORTING FRAUD

To report any Suspicious Account Activity or Security Events, contact Community First at:

Community First Bank
Attn: Deposit Operations
PO Box 1097
Walhalla, SC 29691
(864) 364-6130
callcenter@c1stbank.com

To learn about online fraud, go to
www.fraudwatchinternational.com

 

OTHER INFORMATION
For consumer mortgage loan information requests or reporting suspected errors, please write:

Community First Bank
Attn: Loan Administration
PO Box 1097
Walhalla, SC 29691

For Community Reinvestment Act (CRA) comments, please write:
Community First Bank
Attn: CRA Officer
PO Box 1097
Walhalla, SC 29691

 

REGULATION E – CONSUMER ACCOUNTS ONLY

The Consumer Financial Protection Bureau is the governing agency that regulates electronic fund transfers under Regulation E. This regulation provides certain consumer protections for your demand accounts as long as you report any unauthorized activity in accordance to the following guidelines:

  • You will have $50 liability for unauthorized transfers reported within two (2) business days of learning of the loss or theft of an access device.
  • Notification after two (2) business days increases your maximum amount of liability to $500 U.S.
  • If you do not tell us within 60 days after the account statement was sent or made available, you could be liable for the full amount of any amount you lost after the 60 days.
Categories
Manual

Loop Builder

LEADERSHIP

OUR LEADERSHIP TEAM IS DRIVING THE FUTURE

President Harry S. Truman said, “Progress occurs when courageous, skillful leaders seize the opportunity to change things for the better.” The Executive Management Team and Board of Directors at Community First Bank epitomize this mantra through their leadership.

EXECUTIVE MANAGEMENT

Richard D. Burleson, Jr.

President and CEO Community First Bank

CHIEF OFFICERS
COMMUNITY FIRST BANK

Stuart L. Hester

Executive Vice President and Chief Banking Officer

Amanda Brackens

Executive Vice President and Corporate Compliance Executive

Jennifer M. Champagne

Executive Vice President and Chief Financial Officer

Trisha Warwick

Chief Credit Officer and Senior Vice President

Alisa Suddeth

Chief Talent, Marketing Officer, and Senior Vice President

BOARD OF DIRECTORS
COMMUNITY FIRST BANK

William M. Brown

Secretary, Board of Directors
Retired President and
Executive Officer of Lindsay Oil, Inc.

Gary V. Thrift

Chairman, Board of Directors
President, Thrift Development Group
President, Thrift Group, Inc

Dr. Larry S. Bowman

Vice Chairman, Board of Directors
Orthopedic Surgeon
Blue Ridge Orthopedic Association, P.A.

Richard D. Burleson, Jr.

President and CEO Community First Bank

R. Joseph Jackson, MAI, CCIM

Metrolina Capital Advisors, LLC

Michael Fletcher

Owner, Fletcher Development

John R. Hamrick

President of
John Hamrick Real Estate

Joel R. Davis

President and Owner of
J. Davis Construction, Inc.

Charles L. Winchester

President, Winchester Lumber Company, Inc
Vice President, Boones Lumber Company

Amber B. Glidewell, Esq.

Partner
Roe, Cassidy, Coates
and Price, P.A.

“COMMUNITY FIRST HAS WORKED HARD FOR ME, AND I EVEN GOT AN APPROVAL ONE TIME IN 4 OR 5 DAYS. I KNOW THAT’S UNUSUAL, BUT COMMUNITY FIRST IS INCREDIBLE TO WORK WITH.”

-Steve Hill, President, S.D. Hill Construction Inc

Categories
Manual

DD109-Rate

Truth In Savings Disclosure

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

MONTHLY SERVICE CHARGES:

A Maintenance Fee of $8.00 and a Paper Statement Fee of $5.00 will be imposed every monthly statement cycle.

TO AVOID PAPER STATEMENT FEE:

Monthly Paper Statement Fee can be avoided by enrolling in Electronic Statements (e-Statement).

Categories
Manual

DD110-Rate

Truth In Savings Disclosure

RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account.

Tier

Daily Balance Range

Interest Rate

Annual Percentage Yield (APY)

1

Below $2,500.00

0.050%

0.05%

2

Equal to or greater than $2,500.00

0.100%

0.10%

Your interest rate and annual percentage yield may change.

Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING. Interest will be compounded daily and will be credited to the account monthly. Ifyou close your account before interest is credited, you will receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. A Maintenance Fee of $12.00 will be imposed every statement cycle ifthe daily balance on any day ofthe statement cycle falls below $2,500.00.

Or this fee can be avoided with a minimum balance of$10,000.00 in combined relationship deposits.

You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 02/l 7/2023. To obtain the current rate(s) and annual percentage yield information, please call (864)364-6130.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

MONTHLY PAPER STATEMENT FEE:

Paper Statement Fee of $5.00 will be imposed every monthly statement cycle; Paper Statement Fee can be avoided by enrolling in Electronic Statements (e-Statement).

Categories
Manual

DD108-Rate

Truth In Savings Disclosure

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account.  A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

MONTHLY SERVICE CHARGE

A Maintenance Fee of $9.00 will be imposed every monthly statement cycle.

TO AVOID MONTHLY SERVICE CHARGE

Maintain a daily account balance at or above $100.00 during the monthly cycle and enrolled in Electronic Statements (e-Statements).

Categories
Manual

Financial Calculator

Resources

MAKE INFORMED DECISIONS WITH SMART FINANCIAL CALCULATORS

We want you to make the best possible choices for your financial future. From figuring out how much mortgage your can afford to mapping out retirement savings, you’ll find the tools you need to get you there.

Email page Print page

Contact Request

Categories
Manual

Credit Cards

Credit Cards

PUT FREEDOM IN YOUR WALLET

Get the right credit card to match your lifestyle.

Rewards Visa® Credit Card

Earn points with every purchase online, over the phone, or at the checkout counter! Redeem your points for rewards, including hotel reservations, car rentals, and brand-name merchandise.

  • Worldwide acceptance
  • Competitive rates
  • Travel reward options

Secured MasterCard® Credit Card

Just starting out or rebuilding your credit? Our Community First Secured Mastercard® credit card can help put your financial plan in action.

  • Worldwide acceptance
  • Competitive rates
  • Put your financial future on the right track

Put purchasing power in your pocket with a new credit card from Community First.

Apply Now

Read more about our
Rewards Visa Credit Card

Read more about our
Secured Mastercard

Small Business MasterCard® Credit Card

Keep business expenses separate while enjoying other benefits with a dedicated credit card for your small business.

  • Worldwide acceptance
  • Competitive rates
  • Easy tracking of small business expenses

CONTACT US FOR AN APPLICATION

CLICK TO

Report Lost or Stolen Card 

Turn your Community First debit and credit cards OFF and ON; Control WHERE they can be used, set spending limits, and receive INSTANT alerts…all on your smartphones.

Download SecurLOCK Equip from your app store today! It’s fast and FREE!

READ THE FAQs

Disclosure
Advertised Annual Percentage Rate (APR) may change without notice. Loans, line of credit, and credit cards are subject to credit approval.

“COMMUNITY FIRST GAVE US OUR SBA LOAN AND OUR PPP LOAN. THEY GOT US OPEN AND THEY KEPT US OPEN.”

– STEFAN D. PERRINE, VUSA, MBV, CO-FOUNDER AND HEAD BREWER OLD ARMOR BEER COMPANY

Categories
Manual

Online, Mobile, and Other Banking Services

Online Banking Login
PERSONAL
BUSINESS
Enroll in online banking
Pay Loan Online

EVERYTHING YOU NEED TO TAKE CONTROL OF YOUR FINANCES.

Banking made easy–whenever, wherever you want.

We’re here for you. How you need us when you need us. Our easy-to-use banking tools help you better manage your finances in our fast-paced world.

Online Banking

Mobile Banking

People Pay

Bank when and where you want with Online and Mobile banking.
Free Mobile Banking
Bank on the fly with your smartphone. Mobile Banking goes where you go.
  • Convenient and secure
  • Check account balances
  • View recent transactions
  • Transfer money between accounts
  • Pay bills
  • Find Community First ATMs and branch locations
  • Manage alerts
  • Deposit checks quickly and securely with Mobile Deposit
The Mobile Banking app is available for both iPhone and Android phone users. Search C1stMobile in the App Store or in Google Play to download the app and start banking from anywhere.
Text Banking with your Smartphone

Text any of the codes below to 73955 to receive instant feedback.

  • B – Summary of available balances for all accounts
  • H – Summary of recent transactions per account
  • C – List of available Text Banking commands
  • HE – Help content for Text Banking
  • L – Receive a URL for the CFB mobile browser website
  • R – Receive a URL and new activation code for the CFB mobile website
  • S – Deactivate all CFB text services
Free Online Banking

Log in and take control of your account online.

  • Check account balances
  • Transfer funds between accounts
  • Monitor account activity and receive alerts
  • View your eStatements
Log In...
Bill Pay

Save time and postage stamps with online Bill Pay.

  • Easily access through Online Banking
Log In...
People Pay

Send or receive money using only your email address. It’s fast, easy, and 100% safe.

  • Reimburse roommates for rent and other expenses
  • Send your niece or nephew a cash birthday gift
  • Payback the friend you owe for lunch, concerts, or football tickets
  • Pay your babysitter, landscaper, or housekeeper
How to Enroll...
External Transfers

Transfer funds to and from your Community First account with ease. Access External Transfers via Online Banking.

  • Set up one-time and recurring transfers to and from almost any other financial institution
Log In...
Skip waiting in line and enjoy 24/7 access to your account with Online and Mobile Banking.
Enroll Now

Other Banking Services

Free Telephone Banking

Pick up the phone. We’re here to help.

  • Get your balance (less any placed holds)
  • Verify recent deposit activity
  • Verify recent check or debit card activity
  • Transfer funds between accounts

To access Telephone Banking call 864-718-0743 or toll free at 1-800-589-8388.

Mastercard Debit Card

Buy better and get more with a Community First MasterCard Debit Card.

  • Easy to use as a credit card
  • Simpler than writing a check
  • Fast, convenient, and secure
  • ATM access and withdrawals
  • Honored wherever MasterCard is accepted
Safe Deposit Boxes

Trust your most important documents and valuables with Community First.

  • Choose from a variety of sizes
  • Subject to availability
eStatements

Receive eStatements and do your part to reduce waste and protect the environment.

  • eStatement service replaces paper statements
  • View check images through Online Banking
Reorder Checks

Stay ahead of the game with easy check reordering.

Order Now...
Categories
Manual

Personal Banking

Online Banking Login
PERSONAL
BUSINESS
Enroll in online banking
Pay Loan Online

YOUR FINANCES ARE PERSONAL. YOUR BANKING SHOULD BE, TOO.

Discover a better way to do money in your daily life.

CHECKING ACCOUNTS

Simplify everyday banking
Explore our variety of checking accounts that give you the flexibility and freedom to bank your way every day.
Learn More...
CERTIFICATE OF DEPOSIT (CD)
Upgrade your piggy bank
Don’t let your longer-term savings sit on a shelf. Stash them somewhere that pays you–and offers terms & rates to fit your needs.
LET'S GET STARTED...
SAVINGS ACCOUNTS
Save now, enjoy later
Learn more about online banking with Community First Bank. Pay bills online, make easy bank transfers, check your balance…
Sign Up Now...
MONEY MARKET ACCOUNT
Make your money multiply
Save for the future while maintaining quick access to your cash for when life happens.
Learn More...

HOME EQUITY LOANS

Love your home; love what it can do for you. You’ve got ideas and we’re here to make them happen.

Learn More

BOAT / RV LOANS

Adventure Calls! Whether on land or by water, we understand some people just have to keep moving.

Apply Now
CREDIT CARDS
Get the right card to match your lifestyle. Try our Rewards Visa® Credit Card today.
Start Now
“COMMUNITY FIRST GAVE US OUR SBA LOAN AND OUR PPP LOAN. THEY GOT US OPEN AND THEY KEPT US OPEN.”
– STEFAN D. PERRINE, VUSA, MBV CO-FOUNDER AND HEAD BREWER OLD ARMOR BEER COMPANY

Contact Request

Community First Bank

BANK HOURS

LOBBY:
Mon-Thurs: 9am – 5pm
Fri: 9am – 6pm

DRIVE-THRU:
Mon-Thurs: 8:30am – 5pm
Fri: 8:30am – 6pm

 

Community First Bank, Inc BBB Business Review

Community First Bank
NMLS #607801

Quick Links

Pay Loan Online
Community First Bank

864-364-6130

Community First Bank
NMLS #607801

bauer-5-star-logo_9.22
x

Online
Banking

Business
Banking

Open
Account

Contact Us
Locations