Simplify your banking with The First’s All-in-one Banking
Discover how all-in-one banking can streamline your financial needs.
The First National Bank and Trust Company of Newtown is excited to introduce an easier way to manage your financial life—all-in-one banking with The First. From basic savings and checking, to personal and business loans, to comprehensive wealth management, we’re here to help you manage all of your banking needs in one trusted place.
Did you know the average person has more than 5 accounts across multiple financial institutions? Some may have checking and savings with one bank, a mortgage with another, and multiple credit cards and loans at others. You get the idea.
Imagine having to remember multiple passwords and profiles to manage all of your accounts. The number of times you need password reminders or resets, or if you need customer service, having a different experience from one bank to the next probably becomes frustrating.
That’s why The First offers all-in-one banking. You can handle all your financial needs with just one bank! No wonder The First was named Best Bank in Bucks County, PA by the Bucks Happening List Awards. We are part of the Bucks County community and are dedicated to helping everyone achieve their goals.
For more than 160 years, The First has brought exceptional customer service, knowledgeable banking associates, and a wealth of financial services to its customers.
The Downside of Using Multiple Banks
For most of us, managing all of our personal finances can be challenging. Understanding spending and savings is important—especially these days—to make sure you are not living outside your means.
Using multiple banks for your personal finances has many downsides:
- Fragmented Financial Management – checking multiple accounts in different locations can lead to not fully understanding how and where your money is going, which could result in overdrafts, not catching unauthorized transactions, or anything that might impact your accounts.
- No Personalized Service – local banks like The First know their customers, unlike national or global banks that use third-party vendors for customer service. Gain peace of mind knowing The First’s representatives can help service all of your accounts with one call.
- Higher Costs and Fees – all banks have different fee structures for different accounts, leading to higher costs just to manage your money. That can add up over time and be money that should stay in your pocket.
- Difficulty in Tracking Financial Goals – if you’re trying to save for a home, vacation, or other large purchase, having to jump from bank to bank to track your progress can be a challenge. How can you truly understand if you are on track for your goals if you don’t have the full picture?
- Complexity in Financial Planning – saving for retirement is important to everyone, so why not have your personal investment and retirement accounts with one bank to make it simple? Plus, with personalized service from The First’s Wealth Management professionals, they will take the time to get to know and understand your goals.
- Security Concerns – cyber-criminals are becoming more sophisticated all the time. If one password is compromised because that bank doesn’t use the latest security features, the chances of your other accounts being hacked will increase.
We’re not trying to scare you with these facts about using multiple banks, but it begs the question—why use multiple banks at all? We set out to make banking for all customers simple, safe, and all in one place.
Simplify Your Personal Banking and Finances
When you choose all-in-one banking with The First, you can do all your personal banking with us and combine the right number of products to manage your daily finances:
- Personal Checking – choose from a range of products including free accounts, student checking accounts, interest plus checking, and senior checking accounts.
- Personal Savings – specialized accounts to help you save for college, holiday spending, get kids started on good saving habits, and everything in between.
- Personal Home Loans – from buying your first house to new construction and remodeling, we have you covered.
- Loans & Lines of Credit – get funds to consolidate bills, buy a new car, or pay for education.
- Card Services – everything from debit cards, credit cards with rewards, and even gift cards—The First has it all.
Simplify Your Business Banking
We wouldn’t call it all-in-one banking if we didn’t cover business banking too. According to the U.S. Chamber of Commerce, small businesses make up more than 40% of the GDP. The First can help small businesses with a wide range of services to keep your operations running smoothly and support your growth:
- Business Checking and Savings Accounts – keep your money safe and in one place by choosing the right accounts for your small business needs.
- Cash Management and Credit Card Processing– make your money and payment management simple with tools to help manage cash flow.
- Business Loans – make upgrades and improvements to your business, purchase new equipment—whatever your needs, we have a loan for you.
- Business Services– get credit cards, manage escrow, set up retirement accounts, and everything you need to support your daily operations.
Just like our Personal Banking products, The First has all the tools and resources for small businesses to manage all their financial needs with one bank. When you open one of our Business Banking products, you can seamlessly manage all your finances.
Wealth Management
Of course, The First offers wealth management services to help you plan for the future and enjoy retirement. The First’s Wealth Management professionals offer personalized service and take the time to understand both short- and long-term investment goals—and can even help with your estate. Feel better knowing that you can trust one bank to handle your financial needs throughout your life.
- Investment Management – let our experienced professionals create an investment strategy that meets your goals.
- Estate Administration – we can take on the oftentimes hard work to handle estate duties so you and your loved ones don’t have to worry.
The First’s dedicated Wealth Management team is here to help guide you through the process of finding the right combination of investments to meet your retirement goals. Call, email, or request a visit to any of our local branches to get started.
Make All-in-one Banking with The First Work for You
As you can now tell, we really mean it when we say that The First National Bank and Trust Company of Newtown is your one-stop destination for all-in-one banking. We aim to be your financial partner for all of your banking needs—today, tomorrow, and beyond.
This is the first in a three-part series – Simplify. Save. Succeed. – highlighting how all-in-one banking with The First can help you reduce stress, save money, and achieve your financial goals.
In the meantime, contact us or stop by one of our eleven locations to speak with an associate, learn more about our all-in-one banking approach, and find the right combination of products that work for you.
