• Checking and Savings Accounts
• Personal Loans
• Home Loans

• Veterans Checking
• First Free Checking
• First Classic Checking

• Regular Savings
• Ultra Money Market
• Certificates of Deposit (CDs)

• It’s automatic.
• There’s no cost to participate.
• You earn 1 point for every $2 spent.
• We keep track of your points.
• Points are good for five years from the end of the month they are earned.
• Points cannot be transferred or combined with points in other programs.
• Rewards for gift cards, merchandise, travel and more are available for redemption inside the EverydayRewards™ website.
• A complete listing of EverydayRewards™ Program Rules is available inside the EverydayRewards™ website.
• Log into your EverydayRewards™ account to access your points.
• Talk to an employee of The First during our regular hours at 620.663.1521.
• Talk to a live EverydayRewards™ Service Specialist, 24/7 at 888.670.7850.

Electronic BillPay & eBills

• Pay your bills from more than one account at The First
• Choose either electronic or check payments of your bills
• Rush fees available (fee applies for rushed payments)
• Send customized gift checks with a personalized note (fee applies)
• Send a customized donation check with a personalized note (fee applies)
• Mobile BillPay available 

SnapShot Deposit can be used with:

• All personal checking accounts, Regular Savings and Ultra Money Market accounts. Health Savings Accounts and loans are not eligible for Snapshot Deposit.
• There are three check types not acceptable for deposit via Snapshot Deposit: Money Orders, Two party checks, Image Replacement Documents
• Limits on the number of checks:
• Only one check can be submitted per transaction. Up to five checks can be submitted per day
• Limits on the dollar amounts:
  • Up to a total of $500.00 can be submitted daily. Up to a total of $2,500.00 can be submitted monthly.
  • With prior arrangement, limits may be raised permanently or for a one-time situation. Please contact customer service for more information, 620.663.1521.
• Proper endorsement is required on the back of the check as follows:
  • Payee signature (should be the same as the payee line and be an account holder). Write the words: For mobile deposit only and the account number.
• Without proper endorsement, a check may not be accepted.
• Deposits made prior to 4:30 p.m. (CT) on regular business days, should be posted and credited to your account the same day.
• Deposits made after 4:30 p.m. (CT) on a regular business day, should be posted and credited the next business day.
• Deposits made on a holiday, weekend, or non-regular business day, should be posted and credited the next business day.
• ​The First highly recommends that each check deposited via SnapShot Deposit be held for at least 7 business days.
• Then The First recommends you shred or otherwise destroy the check.
• Eligibility to use this service may be required.

More information about Change It Up:

• Once you have enrolled, it may take 1 to 2 business days for the service to be enabled.
• Debit card transactions conducted from 2pm to 2pm the next business day will have debit/credit amount combined.
• Look for “Change It Up Debit” and “Change It Up Credit” in your transactions.
• Debit Cards for Money Market and Health Savings Accounts are not eligible to participate in the program.
• The deposit account you choose to have Change It Up deposited to must be an account at The First you are a signer on.

Do I need to download a separate app to use FirstPay?

If you are a user of Electronic Banking at The First, you already have access to FirstPay within the app or on a desktop computer.

Does FirstPay cost money?

No, it’s free!

Is FirstPay secure?

FirstPay is only accessible after you have successfully logged into your Electronic Banking, either on desktop or the mobile app.  The feature is housed securely inside your Electronic Banking.

How does FirstPay Work?

• Once you are logged into Electronic Banking, choose FirstPay in the transaction menu.
• The first time you will be asked to accept Terms and Conditions and set up your active debit card from The First.
• After the initial setup, your information will be stored securely within Electronic Banking.
• Enter/select the recipient’s mobile number or email and the amount of the payment. Enter a memo in the space provided, i.e. “Happy Birthday.”
• Confirm the transaction details. Enter your debit card PIN using the secure scrambled keypad.
   

Who can I send money to with FirstPay?

Send money to anyone with an open and active debit card or account at any United States Financial Institution.

Use FirstPay to

Split the bill, pay rent, daycare, babysitter, family, friends, etc. If you are paying a business, you may alternatively use Bill Pay.

What information is needed to send money to someone?

All you need is the recipient’s email address or mobile phone number, depending on if you choose to send via a text message or email.  You have the option of using your contact list to populate the fields if you are using the mobile app. The recipient will choose if they would like the funds deposited directly into their bank account by debit card or enter their account number and routing number at their financial institution.

Does the recipient have to be a customer of First National Bank of Hutchinson?

No, you may send money to anyone in the United States that has an open and active debit card with a United States financial institution.

How does the recipient accept my payment?

Recipient receives a text or email from FirstPay.
No special app for the recipient to download!
The transaction is all conducted within the link in the text or email.

Best Practices

Best practices are for you to inform the recipient to expect a text message or email from FirstPay which will have your name and an instruction link to receive the money.

Upon clicking the link, the recipient will be asked to enter his/her name and debit card information for immediate transfer of funds and accept terms and conditions.
As an alternative, the recipient may enter bank account information to receive the funds in 1 – 2 business days.

What if the recipient never receives the text message notification of my payment?

Verify the information used to set up the contact is correct.
If it is, one of the following may be possible: The recipient may be using a mobile carrier that automatically blocks unfamiliar text messages OR the recipient may have blocked unfamiliar text messages.

If this does not resolve the issue, you should ask the recipient to contact their carrier to remedy the issue.

What if the recipient never accepts the payment?

The payment will be returned automatically to the sender after 10 days.

Can I cancel a payment?

You are able to cancel a FirstPay transaction as long as your recipient has not yet accepted the money.  This is will require contacting us at 620.663.1521 during banking hours.

How long will it take for the funds to be deposited into the recipient’s account?

This will depend on the delivery method of the payment and at what time it happened: 1-3 days after the recipient claims the payment.

Can I send money internationally?

No, you cannot.

About FirstPay

Available to Electronic Banking customers with an open and active debit card from The First.

• There is no cost to use FirstPay
• Per transaction limit: $1000
• Monthly FirstPay limit: $5,000
• You may send multiple FirstPay payments each day
• May be used to send money to other First National Bank of Hutchinson customers
• FirstPay works only for recipients who bank with United States based financial institutions
• Recipients must have a debit card that is programmed to accept instant person to person payments at their receiving financial institution to accept the payment via a debit card
• Recipients may alternatively enter their banking information to accept the money within 1 - 3 business days

With our Voice Banking Service, First Contact, you can access information about and make transfers on your account(s) at The First 24/7 including:

• ​English and Spanish Versions Available
• Account Balances
• Recent Transactions
• Interest Earned
• Specific Check Status
• Transfer funds to and from checking, savings and loan account(s)

Show your Hutchinson community spirit with a Hutch Flag Card design! Cost of the card is $5.00 with $1.00 going back to the Fund for Hutchinson held at Hutchinson Community Foundation.

American Flag Debit Card Design

Cost of the card is $5.00 with $1.00 going back to a local Veteran organization.
Fee is waived when opening a Veterans Account.

High School Debit Card Designs

Show your community spirit everywhere you shop!

• Andale Indians
• Buhler Crusaders
• Central Christian Cougars
• Garden Plain Owls
• Goddard Eisenhower Tigers
• Goddard Lions
• Haven Wildcats
• Hutchinson Salthawks
• Nickerson Panthers
• Trinity Celtics

Cost of the cards are $5.00 with $1.00 going back to the designated district.  Click here to view all the designs.

The First offers  improved security with the option of adding Debit Card Alerts & Notifications.  Enroll for free alerts in Electronic Banking in the Services Menu or contact us at 620.663.1521.

It is important The First records your travel dates to reduce the chances of your Debit Card being blocked.  Contact us at 620.663.1521 or complete the Debit Card Travel Alert form inside Electronic Banking, located in the Services Menu.

Every Debit Card issued by The First is monitored for fraud protection.  To learn more about how The First contacts customers if fraud is suspected, click here.

Report Lost or Stolen Debit or ATM Card

620.663.1521 (during banking hours)
888.227.3096 (after banking hours)

3x the points

• Grocery Stores
• Discount Stores
• Gas Stations
• Restaurants and Fast Food

1x the points

• All other purchase

We make it easy to redeem -
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.¹

Additional Visa Benefits -
Fraud Protection
Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.²

Others
Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.³

Online Credit Card Control -
View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.

Learn more about our competitive rates and fees.

Cardholder Self-Service Contacts

Online Account Access – www.cardcenterdirect.com
Rewards Points Redemption – www.cardcenterdirect.com
Customer Service – 1.800.821.5184
 

Cards issued by UMB Bank, n.a.

¹Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

²Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

³See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

The travel rewards credit card you want in your wallet

Earn 3 Points Per Dollar1 on travel-related purchases like: airfare, hotels, resorts, cruise ships, car rentals and tour buses.

Earn 1 Point Per Dollar1 on all other purchases.

Redeem Points for account credits, gift cards, merchandise, travel, entertainment and more.

No Annual Fee.2

Attractive Introductory Purchase APR for 12 months.2

Attractive Introductory APR for 12 months on Balance Transfers completed within 60 days of account opening.2

No Foreign Transaction Fees.2

$0 Liability Protection3 on unauthorized purchases.

Enjoy Great Visa Benefits1 like Travel Assistance Services, Auto Rental Insurance and more.

Easy Online Credit Card Control. 

1 Cardholders earn three (3) points per dollar on Net Purchases with MCC Codes: 3000-3756 (airlines, hotels and resorts), 3780 (resorts), 4131 (tour buses), 4411 (cruise ships), 4511 (other airlines), 7011 (lodging) and 7512 (car rentals). Cardholders earn one (1) point per dollar on all other Net Purchases. See Rewards Rules for complete details. For information on travel assistance, travel related insurance, and other Visa benefits, see our Guide to Benefits.

2 See Important Cost Information disclosure that accompanies the card application for additional details. Other UMB accounts not eligible for this balance transfer offer.

3 Visa’s Zero Liability Protection covers U.S.–issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use.

Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc. 

Home Equity Line of Credit
A home equity line of credit is perfect for expenses with multiple payouts from remodels to college tuition. Borrow as you need, pay back as you go and you’ll avoid paying interest on the money you need until you actually use it. First National Bank of Hutchinson is currently offering a home equity line of credit starting at 5.00 % APR1.

Home Equity Loans
When it’s time to reinvest in your greatest investment, turn to First National Bank of Hutchinson. We’re now offering home equity loans at 4.302% APR2 with approved credit. Whether you want to tackle a home improvement project, finance a car or pay off a credit card, First National Bank of Hutchinson home equity loans are an efficient way to get things done.

Applications for a Home Equity Line of Credit or Home Equity Loan can be made at any of our locations (except Avenue A). To expedite the process, link here, to complete the application before visiting. At this time, we do not have a fully automated, online application process for our Home Equity Loans.

1 Subject to credit approval and mortgage position, up to 80% Loan to Value (LTV). Rates are subject to change. The Prime Rate is quoted in The Wall Street Journal as of the 15th day of each month. The APR may change monthly ranging from Prime to Prime plus 0.50%, depending on credit, but will not be lower than 3.75% APR or exceed 18% APR. There is a $100 documentation fee and appraisal fee due at origination. All other closing costs are waived. The annual maintenance fee is $50. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.

2 Subject to credit approval and mortgage position, up to 80% LTV. The Annual Percentage Rate is subject to change and will vary depending on loan term and fees. Disclosed APR assumes a $20,000 loan with a $100 documentation fee. For example, a $20,000 loan with a contract interest rate of 4.30% would require 60 monthly payments of $371.06, resulting in an APR of 4.302%. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.

The First's Real Estate Team:

Pictured Above:
Jessica Nelson (NMLS ID 658456)
Michael Holland (NMLS ID 658451)
Cindy Sherraden (NMLS ID 658458)
Debbie Barnes (NMLS ID 589672).
The First's NMLS ID is 629547.

With 8 locations to serve you and our experienced, knowledgeable loan team, we will come to your location of choosing to help you throughout the process — and beyond.  Our real estate professionals can be reached at 620.694.2310 in Reno County or 316.444.2550 in Sedgwick County.

IRAs

An IRA is a flexible retirement planning investment instrument with various maturities. Individual Retirement Accounts allow you to save for long-term goals, such as money for retirement or for a child’s education. Contributions to IRAs are typically not taxed until the funds are removed. Some IRAs are tax-deductible. The First offers several different types of IRAs. We encourage you to call us. We can help you choose an option that best fits your financial goals.

The First offers the following types of IRAs:

Traditional IRA
Roth IRA
Coverdell Education Savings Account
Simplified Employee Pension IRAs

Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. (placeholder rate IRA rate table)

Certificates of Deposit (CDs)

A Certificate of Deposit is a flexible investment instrument with various maturities. Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. (placeholder CD rate holder)

1 Opening balance of $5,000 for Annual Percentage Yield and Interest Rate for $5,000 and over
2 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
3 There is no limit to the number of deposits made to the 15 Month Add-On CD. Each deposit must be at least $50.00.

Funds must remain on deposit until maturity to earn the advertised yield. Substantial interest penalty is required for early withdrawal as follows: for maturities of 7 days to less than 30 days, the interest penalty is 7 days' interest; for maturities of 30 days to less than 90 days, the interest penalty is 30 days' interest; for maturities of 90 days to less than 1 year, the interest penalty is 90 days' interest; and for maturities from 1 year through 5 years, the interest penalty is 180 days' interest.