Founded in 1963, Integrity First Bank has $484 million in assets as well as deposits totaling $411 million, classifying it as a medium-size bank. Integrity First Bank, whose headquarters are in Mountain Home, Arkansas, lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. SmartAsset experts rated Integrity First Bank 4.4 out of 5 stars, which means it is a solid contender in your bank search. Integrity First Bank provides customers with a choice of banking products, which include savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. Integrity First Bank has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Integrity First Bank's standard checking account does not have a monthly fee. Using an institution with free checking, in addition to a high savings APY is your best bet for gaining the most income from your deposits while maintaining easy access to your funds.
The overall rating is a weighted average of rates, fees, service quality and financial health.Read more
Integrity First Bank features a savings rate of 0.10%, which is poor compared to other U.S. banks. Integrity First Bank's one-year CD earns at a rate of 1.36% and the five-year CD earns at a rate of 2.02%. Given its below average savings rate, you should think about taking a look at other banks for savings accounts.
How Integrity First Bank's Savings Rates Compare
On average, Integrity First Bank charges customers extremely low fees compared to other U.S. banks. With no monthly fee, Integrity First Bank's checking account is ideal for people who need an easy banking experience. For those who often frequent the ATM, it is perfect because it has no out-of-network ATM fees. Integrity First Bank unfortunately doesn't refund out-of-network ATM charges, which means you will have to search for an Integrity First Bank ATM or pay the ATM charge.
Integrity First Bank is a brick-and-mortar bank, with 10 total branches in Arkansas. With mobile and web apps, Integrity First Bank makes account access easy, even on the go. Integrity First Bank receives relatively positive reviews from users for its mobile app. With 17 ratings on both iOS and Android platforms, the Integrity First Bank mobile app rates a 4.1 out of 5 (compared to the national average of 3.8). Integrity First Bank's mobile app allows you to manage your finances by looking at monthly statements, transferring money and reaching customer service. Integrity First Bank gets a superb consumer satisfaction rating due to comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.
Integrity First Bank ranks as a medium-size bank owning assets totaling $484 million as well as deposits totaling $411 million. Integrity First Bank has an excellent Texas Ratio of 0.57%, indicating that Integrity First Bank is in superb financial condition and unlikely to fail. Additionally, Integrity First Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.
Texas Ratio Analysis
The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.Back to Overview
Compare Integrity First Bank to Other Competitive Offers
|Product||Current Terms and Rates||Minimum Balance for APY|
|Savings Account||0.1% APY||$100|
|Checking Account||0.1% APY||$1500|
|Certificates of Deposit|| ||$500 for all terms|
Integrity First Bank has several deposit products like savings accounts, checking accounts and CDs that provide you with many options to manage your money. Integrity First Bank does not have the best savings rate, which means you should think about other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Integrity First Bank's CD rates are fair as compared against the national average.Back to Overview
Find a Integrity First Bank Near Me
Integrity First Bank has 10 locations in the U.S.Back to Overview