Frequently Asked Questions

Please click on the item below to view the answers to some of the frequently asked questions about banking with Planters First Bank. If you have any questions that are not mentioned below, feel free to contact us online or give us a call, and we will be happy to assist you!

Important Phone Numbers

Toll-Free at (833) 732-8351, email us at info@bankplanters.com.
Hours of Operation: Monday – Friday 8:30 am until 5:00 pm

Toll-Free Telephone Banking (877) 445-8814
Debit Card Activation (800) 290-7893
Debit Card Lost / Stolen (833) 732-8351 Option # 4

Contact Us Online Form

Submitting your documents just got easier.

Have you spoken with our Solution Center and need to submit documents to the support team? You can now do so quickly and securely using our Solution Center Documents Upload Form.

What document file types are accepted?
Valid file types are – PDF, DOC, JPEG (or JPG) and PNG.

How long will my request take to complete?
The time needed to action your request will vary depending on the type of request. We will generally complete the requests within 2-4 business days.

General

• What’s your routing number?
  • Our bank routing number is 061210965.
• Why Planters First Bank?
  • Planters First Bank is a locally owned community bank that has that personal appeal of face-to-face customer service but offers the convenience of technology.
• Latest Rate information?
  • Please contact our Solution Center at 833-732-8351 to get the latest rates.
• Do you have a Fee schedule?
  • Click here to view a copy of our Current Fee Schedule for Consumer and Business Accounts.
• How do I close my account?
  • We're sorry to hear that you want to close your account. If we can improve your banking experience with us, please let us know what we can do. Call us at 833-732-8351 if we can assist you in any way.
    To close your account, please ensure that you have canceled any recurring debits or credits linked to your account and that your outstanding transactions have cleared. Then do one of the following:
    Closing a checking or savings account, IRA or CD account, and/or credit card account. Visit your local branch to speak with a personal banker, or call our Solution Center to talk to a local banker over the phone at 833-732-8351.
• How do I change my address?
  • Contact Planters First Bank Toll-Free at 833-732-8351 for details on how to submit a Change Address Request.
• Do you have a coin machine? Is there a charge to roll coins?
  • Our Cordele Banking Center is the only branch that has a coin machine. There is a 10% charge. You must have an account with Planters First Bank to trade coins. Your Name and Phone Number need to be presented on the coins. If your coins are not rolled, they must be separated by type.
• Do you take rolled coins from a non-customer?
  • No, you must have an account with Planters First Bank.
• How can I transfer funds to my account(s) at another bank?
  • After logging into your Mobile/Online Banking from the Menu you will choose Settings-Add Account-Make external transfers-Transfer set up-you will need to have the following information Account Name, Routing #, Account # and account type. You will then wait for test transactions to be sent to the account at another FI, this takes 1-2 days. You will then need to log back into your Online/Mobile Banking choose Settings-External Transfer to verify test transactions. Once the External Transfer account has been added it will be visible from your account options in Transfers.
• Are my deposit accounts insured?
  • Planters First Bank offers FDIC insurance to our deposit accounts. To learn more about FDIC insurance coverage please visit https://edie.fdic.gov. EDIE lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor's specific group of deposit accounts—what's insured and what portion (if any) exceeds coverage limits at that bank. EDIE also allows the user to print the report for their records.
• How do I set up direct deposit?
  • Direct deposits are initiated by the customer’s employer or, if applicable, the federal government. Customers may give their employer their Planters Bank account number and bank routing number (061210965). The routing number is the routing number that is on their checks not deposit slips. Many employers require a blank check to setup direct deposit.
• What is the difference between the available balance and the current balance?
  • Available balance refers to the actual amount available to the user without any restrictions, holds, memo post, or uncollected funds. The current balance includes all funds including those that may be on hold, are still uncollected and thus, restricted by the bank from being used by the person holding the account.
• What is ICS?
  • Insured Cash Sweep (ICS), service, you can access multi-million-dollar FDIC protection by working directly with just one bank that offers ICS. When Planters First Bank places your funds using ICS, your deposit is sent from your transaction account at our bank into deposit accounts at other ICS Network banks in amounts below $250,000, the standard FDIC insurance maximum. As a result, you can access FDIC insurance coverage from many institutions while working directly with just us. With the Insured Cash Sweep®, or ICS®, service, you can place your funds into demand deposit accounts (using the ICS demand option), money market deposit accounts (using the ICS savings option), or both, and:
    -Rest assured, knowing your ICS funds are eligible for multi-million-dollar FDIC insurance that’s backed by the full faith and credit of the U.S. government.
    -Earn returns; put your money to work for you.
    -Access your funds with unlimited program withdrawals (using the ICS demand option) or up to six program withdrawals per month (using the ICS savings option).
    -Support your community by keeping the full amount of your deposit local so that we can fund more loans here in our backyard.
    -Eliminate the ongoing tracking burdens associated with collateralization and the need to footnote uninsured deposits in financial statements if you are accustomed to these practices.
• Do you offer credit cards?
  • Whether you are looking to increase your purchasing power or better control expenses, we have the card that is right for you. Enjoy worldwide credit convenience and hometown service with a Planters First Bank Credit Card! Click here to Apply Today. *Please note that to apply: Subject to credit approval. You must be 18 years of age or older. You must have a valid Social Security Number.
• How do you opt out of marketing communications?
  • When you want to leave our email marketing list or unsubscribe. Please click the ”Unsubscribe" link in the email’s footer. Make Sure Your E-mail Won't Filter Us! We will send out all Customer Updates from the email address “plantersfirstbank@bankplanters.com.” Please check your Spam folder. If you find our email there, select the confirmation message and click Not Spam. This will help future messages to get through.
• How do I activate my debit card?
  • To activate your debit cards please call 1-800-290-7893 from a phone number we have on record.
• How do you opt in/out for overdraft protection (Bounce Protection) on a debit card?
  • On qualified deposit accounts, Planters First Bank automatically authorizes overdraft payments up to $500.00. An overdraft fee of $35 will be applied to each item paid. Customers may opt-out of the authorized overdraft program, ATM, and one-time point-of-sale transactions at any time. Individual, joint, or business deposit accounts that meet the following criteria are offered the courtesy pay program:
    -Must be 18 years or older
    -Must have an active status on the account
    -Account balance must be brought positive once every 30 days
    -Must be opened for 60 days or longer with an average balance of 100.00 on last statement cycle
• Do you send my debit card PIN?
  • No, you will select a personalized pin when activating your new debit card.
• How long does it take to get my debit card?
  • Instant Issue Available: In today's fast-paced world, we understand that you need immediate access to your financial resources. That's why we're excited to offer Instant Issue Debit Cards. With this service, you can walk out of the branch with a fully functional debit card, ready to use for purchases, ATM withdrawals, and online transactions.
  • If ordered: It normally takes 7- 14 business days for your new debit card to be delivered. Your new debit card will arrive by postal mail in an unbranded white envelope. Please note that you must have a fully funded account with an available balance before we place a new order.
• What happens if I forget my debit card PIN?
  • The Bank can reset PIN numbers. Once reset the customer would need to reactive their card by calling 1-800-290-7893.
• How do I report a lost/stolen debit card?

  • Go to the Planters First Bank Online/Mobile Banking dashboard and select “Accounts,” then select the appropriate account.

  • Go to “Card Management” choose the card you would like to “turn off” and report as lost/stolen.

• How do I get a replacement debit card?
  • Customers must contact the bank for a replacement card.
• How do I dispute a fraudulent charge on my account?
  • Customers must contact the bank and complete a dispute form, which must be signed by the corresponding cardholder.
• My debit card is being declined?
  • If the customer does not receive a text or an email to verify the transaction that is being declined, the customer may contact the bank at 833-732-8351.
• What is the daily limit on my debit card?
  • The following daily limits apply to all Planters First Bank consumer and business debit cards. Please note ATM access for business cards is granted only upon request.
    -ATM Online limit - $500
    -ATM Offline limit - $200
    -Point of Sale Online limit - $2500
    -Point of Sale Offline limit - $1000
• Why did the bank put a hold on my debit card when I purchased gas?
  • This hold was requested by the gas station. Many gas stations place a hold larger than the purchase amount to ensure you have enough money to cover the purchase. This hold typically drops off soon after the purchase has been finalized.
• Do you offer a debit card fraud deterrence app?

  • Here’s how to set up MyCardRules Controls:

    • Go to the Planters First Bank Mobile Banking app dashboard and select “Accounts,” then select the appropriate account

    • Go to “Card Management” and choose a card
    • Finally, tap “Alerts and Protection” and choose the controls you would like to apply to that card
• What is this $5/$3 charge on my account?
  • Here is a list of Miscellaneous Debit Card Fees you may see listed on your account:
    
    -Replacement debit cards (for lost/stolen) - $20.00
    -Reorder - $5.00
    -Emergency/Overnight cards - $75.00
    -Expedited cards (2-day shipping) - $50.00
    -ATM Service Charge (for PFB customers using non-PFB ATMs not in the SUM network) - $3.00
    -ATM Surcharge (for non-PFB customers using PFB's ATMs) - $5.00

Digital Banking

• How do you enroll in Telephone banking?
  • There is no waiting for a service representative. Just key in your Personal Identification Number (PIN) to have immediate access to a variety of Planters First Bank account-related information and authorized services right over the phone.
    
    Telephone Banking Number: Toll-Free: 833-732-8351
    Be sure to have your: 1. Telephone Banking PIN. 2. Planters First Bank account numbers.
    For questions about your account number or PIN, please call our Solution Center at 833-732-8351.
• How do you enroll in Online Banking?
  • Click Enroll Now. You will be asked to verify your identity with the following: Social Security Number/Tax ID, Account number, Email, and Phone number. If verified, you will be prompted to create login credentials and set up authentication by receiving a text or phone call or using the Authy App. After accepting the agreement, you will then be on the Online Banking Dashboard.
• I am locked out of online banking. Why is my phone number(s) not listed for the One-Time Security Code?
  • -The listed phone numbers are those currently on record with us. For security purposes, you must select one to complete this request. *If this information is outdated, please contact our Solution Center at 833-732-8351 to update this information.
    
    -If you are seeing false numbers or a number, you don't recognize; you may be locked out for too many failed password attempts. Please contact the Solution Center at 833-732-8351 to reset.
    
    -If your username is typed incorrectly, you will see false numbers. Please contact the Solution Center at 833.732.8351 to verify your login information.
• I can’t remember my Online Banking username or password. What do I do?
  • To reset your password, click here. Contact us at 833-732-8351 for assistance with your username.
• Can I receive text alerts on my mobile device?
  • To create alerts within your Online Banking, go to Settings/Manage Alerts. You will need to verify your contact information. Under the two categories, Balance and Transaction Alerts, choose +Add alert. You select to send alerts per email or SMS text messages.
• How do I hide an account in Online Banking?
  • Once you log into your Online Banking, select Settings to turn off the show in app for the specific account you would like to hide.
• How can I get copies of my statement?
  • Contact local branch or to view electronically log into your online banking and click on an account then click documents.
• How many months of statements can I retrieve through Online Banking?
  • 18 months
• How can I find a check that I wrote in Online Banking?
  • Search for the check number or amount
• Can I see the check image in Online Banking?
  • Yes, front and back images are available.
• How do I find a specific item in my transactions?
  • Click on the search emblem within your Online Banking or Mobile Banking App. Then type in an amount, name, or check number.
• How to enroll in Mobile Banking?
  • Go to your device's App Store and type Planters First Bank in the search box to download the App. You will be asked to verify your identity with the following: Social Security Number/Tax ID, Account number, Email, and Phone number. If verified, you will be prompted to create login credentials and set up authentication by receiving a text or phone call or using the Authy App. After accepting the agreement, you will be on the Online Banking Dashboard.
• What is the daily cutoff time for Mobile Deposit?
  • Mobile Deposit cutoff is 5:00 pm
• What is the daily cutoff time for Mobile/Online External Transfer?
  • The External Transfer cutoff is 3:00 pm
• What is the daily cutoff time for Bill Pay?
  • Bill Pay cutoff is 4:00 pm
• How do I add a Payee to my bill pay?
  • Within your Online and Mobile Banking
    -Click the "Bill Pay" link.
    -Click the "Add a Payee" button on your home page dashboard.
    -Enter the requested information. Typically, this information can be found on your latest bill statement. Once you add your payee, you can start making payments in seconds.
• How long does it take my payment to arrive if I use bill pay?
  • Funds are withdrawn from your account on the payment date. Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically, which will deliver in 1-2 business days. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service, which can take up to 5-7 days to deliver.
• What is an eBill in Bill Pay?
  • eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers, and credit card companies.
    
    If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Bill Pay dashboard. If you are receiving eBill summaries from your payee and full bill statements become available, you will see a button that reads “Setup eBill”
• How do I delete a scheduled payment?
  • Within your Online and Mobile Banking
    -Click the "Bill Pay" link.
    -Under scheduled payments click on edit and then trash can icon.

Wires

• What is your wire cutoff?
  • -Outgoing domestic wires may be sent from 8:30 a.m. (EST) until 4:30p.m. (EST) Monday through Friday. All wire requests received after 4:30 p.m. (EST) will be processed the following business day.
    -Outgoing international wires may be sent from 8:30 a.m. (EST) to 2:30 p.m. (EST) Monday through Friday. All requests received after 2:30 p.m. will be processed the following business day.
    -Incoming wires are accepted from 8:30 a.m. (EST) to 4:30 p.m. (EST) Monday through Friday.
• What is the fee for a wire?
  • Domestic Wire fee is $25.00, and an International wire fee is $65.00.
• What do I need to receive a domestic wire to my Planters First Bank account?
  • The sender will need the following information listed below:
    -Customer Name to Credit & Address
    -Customer Account Number to Credit at Planters First Bank
    -Receiving Bank Information: (1.) Planters First Bank's ABA routing number (transit number): 061210965 (2.) Planters First Bank's address: 910 Greer Street Cordele, GA 31015
• I am late on my loan with Planters First Bank, can I get assistance?
  • Reach out to your lender for guidance and assistance. The bank is willing to work with you, but since each situation is different, it is best to talk with your lender.
• Can I make partial payments on my loan with Planters First Bank?
  • The bank accepts partial payments on loans. However, if you have a loan with Escrow, posting multiple payments during a payment period can often cause problems. It's best to speak to your lender before you start making partial payments.
• How long does it take to process my loan?
  • The amount of time requires to process a loan depends on the type of loan; the collateral offered as well as the amount of the loan. Typically, small/simple loans can be completed in a few days. For a specific time, you may want to speak to a lender.
• Can I move my loan’s payment due date?
  • Yes, there may be times that interest needs to be collected up to the date of the payment change. For guidance, you need to speak to your lender.
• Is there a fee for making a late payment on my loan?
  • Yes, payments posted past the grace days (10 or 15 depending on the loan type) will have a late fee assessed.
• Are Mobile Home Only Loans subject to ATR and Escrow Requirements?
  • Yes, if the mobile home loan is a Consumer Purpose Note.
• How long does it take to receive my loan coupon book?
  • Coupon Books are ordered weekly. It typically takes 7 to 10 business days to receive the Coupon Book once it is ordered. Please contact the Solution Center to ensure that the address listed on your account is correct before requesting a new coupon book.
• Are Business Purpose loans subject to HMDA?
  • If the purpose of the Business Purpose loan is Purchase, Home Improvement, or Refinance and is secured by a Dwelling then the loan is subject to HMDA.

Treasury Management Services

• How do you request a mobile deposit limit increase?
  • Contact Planters First Bank Toll-Free at 833-732-8351 or contact your local banker.
• How do you request a Remote Deposit Capture limit increase?
  • Contact Planters First Bank Toll-Free at 833-732-8351 to be connected to the Treasury Management Department.