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Integrity First Bank Review

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Integrity First Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Started in 1963, Integrity First Bank has assets totaling $484 million and $411 million in deposits, making the institution 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 traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. We gave the bank a 4.4 out of 5 stars, indicating that Integrity First Bank is a great bank that you should seriously consider. Integrity First Bank provides customers with multiple product offerings, which include savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Integrity First Bank offers an option without a maintenance or monthly fee. Banks that offer no-fee checking as well as a high interest rate savings account are the best option for accruing the highest income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.4/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.4
SmartAsset Average: 3.5

Integrity First Bank features a savings rate of 0.10%, which is fair in comparison to other U.S. banks. Integrity First Bank's one-year CD has 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 consider other options to earn more on your deposits.

How Integrity First Bank's Savings Rates Compare

Integrity First Bank Savings 0.10 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

Integrity First Bank charges its customers extremely low fees in comparison to the national average. With no monthly fee, Integrity First Bank's checking account is perfect for people who need a hassle-free banking experience. For those who use cash often, it is perfect because it charges no out-of-network ATM fees. Integrity First Bank does not reimburse out-of-network ATM charges, meaning you'll need to search for an Integrity First Bank ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.0
SmartAsset Average: 3.7

Integrity First Bank is a brick-and-mortar bank, with 10 total bank locations in Arkansas. With mobile and web apps, Integrity First Bank makes account access straightforward, even on the go. Integrity First Bank gets moderately satisfactory scores from users for its mobile platform. Out of 17 customer reviews 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). You can use Integrity First Bank's app to control your accounts by monitoring monthly statements, sending and receiving funds as well as accessing customer service. Integrity First Bank gets an excellent consumer satisfaction rating due to comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

Integrity First Bank is a medium-size bank with $484 million in assets and deposits totaling $411 million. Its Texas Ratio is 0.57%, suggesting a minute probability of failure. 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.

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Compare Integrity First Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.1% APY $1500
Certificates of Deposit
  • 12 Month: 1.36% APY
  • 24 Month: 2.02% APY
  • 36 Month: 2.02% APY
  • 48 Month: 1.51% APY
  • 60 Month: 2.02% APY
$500 for all terms

Integrity First Bank has several deposit products including 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 in comparison to other U.S. banks.

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Find a Integrity First Bank Near Me

Integrity First Bank has 10 locations in the U.S.

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