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Frequently Asked Questions


What is First Deposit?
Do I need to be a FirstBank customer to use First Deposit?
Yes. You need to have a deposit account and debit card to enjoy this convenient service, since you will need the card to initiate the deposit process at the ATM. The deposit will be made to that card's corresponding account.
Where can I find ATMs with First Deposit?

You may enjoy our convenient First Deposit service in the following branches:

  • Port of Sale - St. Thomas
  • Waterfront - St. Thomas
  • FirstBank Plaza - St. Thomas
  • MarketPlace - St. John
  • Sunny Isle - St. Croix
  • Orange Grove - St. Croix
  • Frederiksted - St. Croix
  • Tortola – BVI

In the BVI, checks will be accepted for deposit only if they are from a US, USVI or Puerto Rican Bank. For more information about ATM availability and location, click here.

Will I get a receipt for my deposit transaction?
What if I don't get a deposit receipt?
When will the funds be available in my account?

If the deposit was made in cash before 3:00 p.m. on a business day, the funds will be immediately available for any type of transaction. But if a cash deposit is completed after 3:00 p.m. or not on a business day, the funds will only be immediately available for online transactions, such as ATM withdrawals and transfers, POS (point-of-sales) purchases, and transfers between accounts through our mobile application or Online Banking service. The effective date, however, will be the next business day.

Checks deposited before 7:00 p.m. on business days will be processed and available on the same day. Deposits after that time will be processed the next business day. FirstBank will consider the date of processing as the effective date for the deposit. Your deposit will be available as per our Fund Availability Policy, which is included in the Account Agreement.

How many bills can I deposit at the same time?
First Deposit lets you deposit up to 75 bills per transaction.
Is there a limit to the denominations of the deposited bills?
Yes, you may only deposit bills of up to $100.
I inserted bills for a deposit, but the machine rejected them. Why did this happen?
The automatic teller machine will read each bill individually to determine if it is valid. If the automatic teller machine cannot process the bill, it will return it to the client.
What if the amount I deposited is not the same as the amount in the receipt?
Before completing the transaction and printing the receipt, the automatic teller machine will check the deposit amount and you will need to confirm that the amount on screen is correct. If this is not the case, you should cancel the transaction and try again.
What is the maximum amount for check deposits?
First Deposit accepts check deposits of up to $5,000 per check and you may only deposit one check per transaction. The maximum check amount allowed for new accounts (less than 90 days opened) is $2,500.
Can I deposit checks from international banks or foreign currency?
At the moment, our automatic teller machines only accept checks and bills covered by the Federal Reserve System. To complete deposits of this kind, we invite you to visit one of our local branches.
How do I know if my check was processed?
The automatic teller machine will confirm that the check was processed and you will get a receipt with the image of the deposited check. Please remember these deposits are subject to verification. The deposit may be rejected if the deposited check a) is not signed, b) is from a bank not covered by the Federal Reserve System, c) is double endorsed, or d) the number/written amount on the check is not equal to the amount entered at the ATM.

icon Routing number: 221571473
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