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Is it Possible to get Higher Rates from Online Banks?
05/13/2008 - By 1st Constitution Bank
How can 1st Constitution Direct offer higher rates than other banks?
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 bringFrom Community Bank to Internet Bank, you can still bank on us!
1st Constitution Bank introduces our new internet bank “1st Constitution Direct”.
The Basics….
What is a 1st Constitution Direct account?
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.
How can 1st Constitution Direct offer higher rates than other banks?
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.
Is 1st Constitution Direct related to 1st Constitution Bank?
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.
OPENING YOUR 1ST CONSTITUTION DIRECT ACCOUNT
How do I open a 1st Constitution Direct Account?
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.
Do I have to change banks?
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.
What is a "linked" account?
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!
Must I maintain a minimum balance in my 1st Constitution Direct account?
You must open your account with the required minimum initial deposit. Once your account is established, there is no minimum balance requirement.
How do I know when my 1st Constitution Direct is open and ready?
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.
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