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  FirstBank Bloom Package

FirstBank Bloom Package

in Checking Accounts from FirstBank · fdic

Unaffiliated

FirstBank Bloom Package

Unaffiliated

in Checking Accounts from FirstBank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.01% - 0.05%

FirstBank Bloom Package Review

FirstBank Bloom Package is offered by FirstBank, a bank founded in 1963 and based in Lakewood, CO. FirstBank Bloom Package is available in 3 states across the USA.

Key Takeaways
  • Higher than average APY. FirstBank Bloom Package has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through FirstBank.
FirstBank bloom package Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in 3 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
FirstBank bloom package FAQ

Are checking accounts from FirstBank federally insured?

Yes, your FirstBank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does FirstBank bloom package offer?

FirstBank bloom package offers an APY starting at 0.01% and ranging up to 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $1.

FirstBank bloom package Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 0.05%

What are the account minimums for FirstBank bloom package?

FirstBank bloom package does not require a minimum initial deposit.

FirstBank Bloom Package Minimums
Description
APY Minimum Balance $1
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does FirstBank bloom package charge?

The good news is that this account does not have a monthly Service Charge.

FirstBank Bloom Package Fees
Description
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Copy $1
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $34
Online Bill Pay Fee $0
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50

Does FirstBank bloom package charge overdraft fees?

Yes, FirstBank bloom package charges a $34 fee for every overdraft.

FirstBank bloom package offers overdraft protection at a cost of $10 per transaction.

What features and perks does FirstBank bloom package offer?

This account includes the following features:

  • Fraud monitoring - FirstBank bloom package monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - FirstBank bloom package allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for FirstBank bloom package?

The customer support email for FirstBank bloom package is banking@efirstbank.com.

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Message From FirstBank Bloom Package

The Bloom Package is a checking and savings account bundle with autosave functionality. Spend, save and earn. It's that easy. An easy way to spend, save, and earn. When you pay for something today, you can save for something tomorrow plus you get premium interest rates in your savings account.

Availability

  Available in 3 states
  • Arizona
  • California
  • Colorado

Feature Breakdown

APY Minimum Balance $1
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Bank Teller Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Check Copy $1
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Automatic Transfers
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.01% - 0.05%

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