Q: What is a 1st Constitution Direct account?
A:1st Constitution Direct accounts are FDIC-insured accounts opened online. They offer premium rates like a CD, but without locking up your money. Link any non-1st Constitution checking account to a 1st Constitution Direct account and the money you electronically transfer will earn our guaranteed competitive rate. When that "rainy day" comes, transfer it back with the click of the mouse 24 hours a day, seven days a week.
Q: How can 1st Constitution Direct offer higher rates than other banks?
A: We can pay more because 1st Constitution Direct clients do not use branches for routine transactions. This helps reduce our costs, which means we can pay you higher rates and bring you added value.
Q: Is 1st Constitution Direct related to 1st Constitution Bank?
A: 1st Constitution Direct is a division of 1st Constitution Bank, a NJ based bank founded in 1989. 1st Constitution Direct was established in 2008 to support clients who prefer to bank from their computer rather than traveling to a branch. 1st Constitution Direct clients have access to Telephone Service Consultants who are available to answer questions and address client issues.
Q: Can I talk to a person?
A: Absolutely. You may contact a Service Consultant through a toll-free number. Simply call 1-866-934-41ST (4178) or click here to "Contact Us".
OPENING YOUR 1ST CONSTITUTION DIRECT ACCOUNT
Q How do I open a 1st Constitution Direct Account?
A: Opening a 1st Constitution Direct Account is quick, easy and convenient. All you need is a personal checking account. In four easy steps, you can open your account online. If you have questions or need help, call 1-866-934-41ST (4178) to have a 1st Constitution Direct Service Consultant walk you through the online application.
Q: Do I have to change banks?
A: No. Your 1st Constitution Direct account can be linked to any non-1st Constitution checking account, making it easier for you to transfer money whenever you want.
Q: What is a "linked" account?
A: When you open your 1st Constitution Direct account we electronically link it to your non-1st Constitution checking account so moving your money is easy!
Q: Must I maintain a minimum balance in my 1st Constitution Direct account?
A: You must open your account with the required minimum initial deposit. Once your account is established, there is no minimum balance requirement.
Q How do I know when my 1st Constitution Direct is open and ready?
A: If you open your account online today you will immediately receive a confirmation. In a separate e-mail your Access ID will be sent as well as instructions on how to view and access your account.
HOW 1ST CONSTITUTION DIRECT WORKS
Q: How do I log in to view my account?
A: Go to 1stconstitutiondirect.com and enter your Access ID and password.
Q: How do I access my money?
A: After you have gone through the one-time verification process, our online bank-to-bank transfer process makes it easy for you to move money between your 1st Constitution Direct account and your checking account with a click of the mouse. After logging in, select whether you move money to or from your 1st Constitution Direct account and enter an amount. It's that simple.
Q: How do I verify the two credits and one debit 1st Constitution Direct sends to me?
A: To verify your credits and debit you will need to view your linked checking account's transaction history or call your bank for the deposit amounts. Once you obtain the 2 credit and 1 debit amounts, log in to 1stconstitutiondirect.com and click on "confirm verification amounts". After you correctly verify the transactions you will be contacted via email with instructions to access your account.
Q: How long does it take for transfers to and from my 1st Constitution Direct account?
A: It generally takes two to three business days to process your transactions.
Q: Can I view transactions posted to my 1st Constitution Direct account?
A: To view your account 24/7, just log on to 1stconstitutiondirect.com using your Access ID and Password.
Q: How often do I receive a statement?
A: Statements for 1st Constitution Direct customers are produced as of the end of each calendar month and are available for retrieval by customers shortly thereafter. 1st Constitution Direct will send an email to alert you when the statement is ready for viewing or downloading.
SAFETY, SECURITY AND PRIVACY
Q: Are deposits at 1st Constitution Direct insured by the Federal Deposit Insurance Corporation (FDIC)?
A Yes, the FDIC insures funds in your 1st Constitution Direct account through 1st Constitution Bank. You can learn more about the FDIC at their website, www.fdic.gov
Q: How do you keep my account secure?
A: You're the only one who can access your account. Your account can only be accessed with your unique Access ID and Password. In addition we ensure your security online through sophisticated encryption.
Q: What about information privacy?
A: Neither 1st Constitution Bank nor 1st Constitution Direct shares client information. As a community oriented bank, 1st Constitution Bank is committed to your financial well being. You trust us with your personal financial information, and we honor that trust by handling your information discretely and sensibly
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