General
What is the history of the bank?We’ve been around a long time. In fact, we’ve been in banking since 1891! If you’d like to learn more about our history, see our Who We Are page. |
What holidays do you observe?We will be observing the following holidays in 2024:
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What do I need to open an account?In order to open any type of account with us, you will need identification (e.g. driver’s license, state issued ID, military ID, US passport, Social Security number, etc.) and funding for the account. Any other parties on the account will also need to provide this identification information. |
How do I open a deposit account?You can always open an account at one of our branch locations. |
How can I apply for a home loan?We make it EASY. You can learn more about home loans on our Home Loan Products page. If you’re ready to apply, start here. You can also apply with one of our home loan lenders at a branch location. |
How can I apply for a loan?We make it EASY. You can learn more about personal loans on our Personal Loans page and apply for a consumer loan by clicking here. You can also apply for a loan at a branch location. |
How can I get a free credit report?Good for you for wanting to be vigilant about your credit! You are entitled to a free credit report every twelve months from each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion. For more information, visit Annual Credit Report. |
How can I find a branch location?We have 18 locations in Southern Indiana and Bullitt County, Kentucky. To find our locations, see our Branch Info page. |
Is First Harrison Mortgage part of First Harrison Bank?Our mortgage team is a division of First Harrison Bank. They work for First Harrison Bank just like any other staff member. We just want you to know that First Harrison Mortgage specializes in mortgages, and we think we’re the best around! For more information, visit our Home Loan Products page. |
Can I apply for a mortgage on my phone?Yes, you can. Check out our mortgage mobile app on Apple and Android. |
What is a Medallion stamp and how much do you charge?A Medallion signature guarantee is a special signature guarantee for the transfer of securities. It is a guarantee by the transferring financial institution that the signature is genuine and the financial institution accepts liability for any forgery. Signature guarantees protect shareholders by preventing unauthorized transfers and possible investor losses. Our “C” stamps have a limit of $500,000. |
Can I buy stock in First Harrison Bank?We’re glad you are considering us for your next investment! Our holding company is First Capital, Inc. We are traded on the NASDAQ as FCAP. FCAP stock can be purchased directly from our transfer agent, Computershare. You can also contact Computershare directly. For more information, see our Investor Relations page. |
Do you have coin counters?Rolling coins in wrappers is not as fun as simply cashing in coin, so we have coin counters at several locations. You can find coin counters in one fashion or another at the following locations:
There is no fee to cash in coin at our coin counters for First Harrison Bank account holders. Please refer to our Fee Schedule for the coin counting fee for non-First Harrison Bank account holders. |
How do I request a donation or sponsorship?We typically ask for requests such as this thirty days in advance. Last minute requests cannot always be accommodated. Requests should be made to Aaron Smith. |
Are you hiring?We are always accepting applications. For specific openings, see our Careers page. |
Does the bank email customers?At times, we do. Sometimes, we send general news and notes. Other times, we send you important information about your account. Please ensure that we have your correct email address on file. Typically, our emails are from our staff and/or always come from “@FirstHarrison.com.” If you ever question an email, give us a call. |
Is the bank on social media?We are social! You can find us on Facebook, X, YouTube, Vimeo, and LinkedIn. We often post all sorts of community activities, fun facts, giveaways, and important information on our social media sites. |
Who handles REO, properties for sale, and repossessed vehicles?These are handled by Marva Alstott. |
Why would I need a safe deposit box?You have items you would like to keep safe, right? There are some important things that you have that you might not want just anyone to have access to. Our safe deposit boxes are safe and secure. They require dual key entry and a log of any access to the box. |
What is Federal Deposit Insurance Corporation (FDIC) insurance?The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category by the FDIC. FDIC insurance covers all banking deposit products. Visit the FDIC for more information. |
Do you serve coffee?We have Keurigs in the lobbies of Greenville, Edwardsville, Charlestown Crossing, Palmyra, New Salisbury, Jeffersonville, Salem, Lanesville, Highway 44, Buckman, John Harper, Mount Washington, and Lebanon Junction. Two of our locations, Charlestown (River Ridge) and Grant Line Rd, have a Starlight Coffee Co. location inside the branch. |
Can I charge my electric car?Absolutely! Visit our Charlestown, IN (River Ridge) location to charge your electric car, do a bit of banking, and enjoy a coffee from Starlight Coffee Co. inside the branch. |
My Accounts
Where can I find my full account and routing number?Due to security reasons, we hide your full account number on your statements and in Banking Butler®. You can find your account number on the bottom of your checks, in your account agreement, or by calling us. The bank’s routing number is 083913033. The below image is a sample of where to look for this information on checks. |
How do I change my contact information?To change your contact information, please give us a call, visit us at one of our locations, or change it within Banking Butler® in the Preferences menu. See our Butler's Guide for instructions. It’s very important that we have your correct contact information in case we need to contact you. |
Do you need my winter address?Yes. We ask for your winter address so we know where to send any banking information. |
Can I change the type of account I have?If you’d like your Valor account to be a Royal account, please call us or visit your local branch location. You could have to sign new disclosures for the change to take effect. |
How do I add someone to my existing account?If you like someone enough to add them as an account holder on your existing account, the account owner and any additional persons would need to visit a branch location. All parties will need proper identification for verification. |
How do I remove someone from an existing account?The party that wants to be removed would need to visit a branch location and sign some documents. After that is finished, the remaining owners would need to sign a few documents as well. In the case of death, a death certificate would be needed and some account documents would need to be signed by the surviving owners. |
How do I order checks for the first time?If you haven’t ordered checks from us before, please give us a call or visit one of our branch locations. |
How do I reorder checks?If we have ordered checks for you from our vendor, Main Street, before, then you can simply reorder on their website, by calling us, or visiting a branch location. |
How many checks come in an order?Our First Class check orders include:
Most other check orders include:
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What is the fee to cash a check?As a customer, you can cash any check free of charge. If you are a non-customer and the check is written to you from an account at First Harrison Bank, we will cash it at no charge. If you are a non-customer and the check is not written from an account at First Harrison Bank, please refer to our Fee Schedule. |
When will my deposit be available?ATMsIt depends. Each branch might have a little different way of doing ATM deposits. It’s best to contact the branch where you made the ATM deposit. The safest thing to assume is that it’s not available until sometime the next business day. ACH DepositsACH deposits are generally available at the time they are received by us. Some deposits are sent to us with specific dates that they can be released to you. We are not able to release those funds any sooner than the date specified. Branch Location DepositsDeposits made at a branch location are available immediately provided no hold is placed on the deposit. If a hold was placed on the funds, you would be made aware at the time of deposit. |
How do I get a verification of deposit?You can submit your request following the instructions on this document. |
How do I sign up for direct deposit?We all like to be paid, right? All you need to do is give your employer, or any other entity, the bank’s routing number, 083913033, and your account number that can be found on the bottom of your First Harrison Bank checks. You can always give us a call to get your full account number. The below image is a sample of where to look for this information on checks. |
How do I place a stop payment?To place a stop payment on a check or pre-authorized payment, you can do so in Banking Butler®'s Activity Center. See our Butler's Guide for instructions. You will need the check number, amount, payee, and the date the check was written. You can also call us or visit us at any branch location. |
Why did I receive an Overdraft Fee?Rats! It looks like you didn’t have enough funds to cover all of the transactions that came through at the end of the previous business day. Overdraft fees are always charged the next business day. See our Overdraft Coverage page for more detail. If you have a question, please call us or visit one of our branch locations. |
How much is the Overdraft Fee or Returned Item (NSF) Fee?For a listing of our fees, see our Fee Schedule. |
Is Overdraft Protection offered?Sure we do! Overdraft Protection can come in handy when you’re running low on funds. This service will automatically transfer funds to cover any potential overdraft from First Harrison Bank deposit accounts or lines of credit. |
Where is my Christmas Club check?Christmas Club checks are distributed via mail or deposit on October 15 of each year. |
What are your wiring instructions?
For foreign banks who have the ability to use an ABA/Routing # for beneficiary banks, the same instructions apply as domestic wires. However, if the foreign bank requires the use of a Swift Code, then please call us to speak to our Accounting department. |
How do I access Telephone Banking (MonyLine)?You can get information on your checking accounts, savings accounts, CDs, loans (even make payments from First Harrison Bank checking or savings accounts!) and transfer funds conveniently, privately, and easily from our MonyLine system by simply calling 812-738-MONY (6669), 502-543-CASH (2274), or toll-free 1-800-422-6160. |
Do you exchange foreign currency?We do not accept or exchange foreign currency. You can often find these services at airport locations. |
How do I close my account?We hate to see you go! We know that life happens sometimes. If you need to close an account with us, please call or visit a branch location. The account closure process is easiest if your balance is $0. |
Banking Butler®
Why is your online banking called Banking Butler®?We believe in delivering the highest level of service. A butler is synonymous with taking care of your every need. We believe our online banking takes care of your every banking need. Butlers are known to be in high society circles, but our butler serves each and every one of our customers. |
What can I do in Banking Butler®?The better question is, what can’t you do? Learn more about Banking Butler® in our Butler's Guide. |
What are the features of Banking Butler®?We have all of the features you'd want in Banking Butler® to take care of your online banking needs. Here are a few of the things you can use:
Learn much more about Banking Butler in our Butler's Guide. |
When can I enroll for Banking Butler® if I opened my checking or savings account today?If you opened your account at one of our locations, you can enroll immediately! |
How do I enroll in Banking Butler®?On our home page, you’ll see a First Time User link in the top right corner of the page. Click the link and follow the on-screen instructions. |
What are the username and password requirements?We're not too picky for the username. As long as your username is between 6 and 18 characters, you're good to go. Password requirements include:
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I forgot my password. What do I do?Choose the Forgot Password button in the top right corner of the home page and follow the on-screen instructions. |
I forgot my username. What do I do?We all have so many usernames for all the sites we use on the Internet. It’s easy to forget one. If you forget your First Harrison Bank username, please give us a call. We’ll have you fixed in no time! |
I still can't login. Why?Perhaps you've used an incorrect combination for your login too many times. Perhaps there is some other snafu. Please give us a call to get it straightened out. |
What are pending transactions?When we get word of a probable transaction, it will display on your account as pending. Within 72 business hours, the transaction will post to your account. However, merchants do sometimes place a pending charge on your account at times before the final charge posts. This initial pending transaction would then disappear. If a charge is on your account longer than 72 business hours and you question it, give us a call. |
I think my Banking Butler® has been compromised. What should I do?We encourage you to immediately change your password if you feel like your online account has been compromised and give us a call to thoroughly review your accounts. We will investigate it and suggest next steps. |
How do I transfer funds in Banking Butler®?It’s EASY to transfer funds between your First Harrison Bank accounts/loans and even external institution deposit accounts. See our Butler's Guide for instructions. |
How do I set up alerts for my account?That can be done on the Alerts page in the Activity Center menu of Banking Butler®. See our Butler's Guide for instructions. |
How do I get a copy of a check in Banking Butler®?You’ll want to find the transaction in Banking Butler® and click on the transaction in your account's history. This will display more details about the transaction including a copy of the front and back of the check that you can print. |
How do I get a copy of my deposit statement in Banking Butler®?Statements can be found within the Statement menu of Banking Butler®. See our Butler's Guide for instructions. |
How can I transfer funds from another financial institution into my First Harrison Bank account?You can use your First Harrison Bank routing and account number with the other financial institution and send the funds from that institution. |
How can I transfer funds from First Harrison Bank to another financial institution?You'll just need to connect your external account with Banking Butler®. From there, you can transfer funds on the Funds Transfer page in the Transfer menu of Banking Butler. The Butler's Guide has you covered for the how-to. |
Trouble with your browser?Technology is cool, but if your browser is giving you fits accessing our website or Banking Butler®, we recommend clearing your browser’s cookies and cache. There are many browser options, but here are a few links with instructions on how to do this for several of the major browsers:
The Butler's Guide has you covered with much more detail about getting a new browser. |
Mobile Banking
What is Mobile Banking?Mobile Banking is your on-the-go resource for your banking information. Whether you are at the store, traveling, or in your pajamas at home at midnight, you can access your accounts, transactions, and more. See our Butler's Guide. |
How do I get the bank's app?Our mobile app is available for Android and Apple phones. Visit Google Play or App Store and search for “First Harrison Bank” or click one of the buttons below.
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What is CardValet (Manage My Cards)?CardValet gives you all of the control of your debit card that you would ever want. You can turn your card on of off, set up alerts, location limitations, amount limitations, and so much more. Check out CardValet. |
Can I use my card in mobile wallets?You sure can! For more information about how your debit card can work in your mobile wallet with Apple Pay, Google Pay, and Samsung Pay, see our Digital Banking page. First Harrison Bank credit cards are only available in Apple Pay and Samsung Pay. |
Debit Cards
My card was lost/stolen. How can I get a new one?Don’t worry, people lose their cards all of the time. You might have just misplaced it. Whether you misplaced it or it was stolen, we have the steps you need to take on our Lost/Stolen Cards page. |
My debit card isn’t working at the store, online, or at the ATM. Why?We hate when this happens. It could happen for a number of reasons, but there are a few to highlight. If you’re in the store or at an ATM, the card’s magnetic strip may be out of sorts. If so, you’ll need a new card. Perhaps you turned off your debit card in our CardValet and forgot to turn it back on. Another common occurrence is that you’ve hit the maximum daily limit for purchases on your debit card. There is also a daily withdrawal limit at ATMs. If you need a higher limit temporarily, please call us to have that approved before making your purchase. |
I’m going on vacation or traveling. Do I need to let First Harrison Bank know?Woo hoo! Vacations are fun. Your card being declined isn’t fun. We do encourage you to let us know via the Messages section of Banking Butler®, calling us, or visiting a branch location. We just need to know where you’re going, so we can ensure your debit card transactions process normally. Please give us advance notice of your travels. This applies to any travel outside of Indiana and Kentucky. |
The “Fraud Department” called/texted me about my debit card purchase. Is that First Harrison Bank?We appreciate you being vigilant and wondering if it’s really us. We monitor debit card activity 24/7. Our Fraud Department will never ask you for your account number or Social Security number. If you speak to someone who asks you for this information, it's not us. We encourage you to always use your debit card with your PIN number as a security measure. |
Can I use my card internationally?Your card can be used anywhere in the world. However, you must let us know about the international transaction by letting us know in Banking Butler®, calling us or visiting a branch location prior to making the purchase. To avoid fraud, we block international transactions unless we hear from you. |
My card is about to expire or has expired. Where is my new card?Your card is good through the month and year listed as your expiration date on your card. You will receive a replacement card in the month in which it expires via the mail. |
What will my debit card look like when it arrives in the mail?
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How long will it take to receive my mailed debit card?Once your debit card is ordered, it typically takes 7-10 business days. Once received, you'll be able to call the number provided to activate your card and select your Personal Identification Number (PIN). In lieu of a mailed card, you can also request an Instant Issue debit card and PIN at a branch. |
How do I activate my new debit card?To activate your new card or replacement card, call the number provided in your mailer. |
What do Instant Issue debit cards look like?PersonalMilitaryBusinessHSA |
I don't recognize a charge. How can I dispute it?Unfortunately, we can’t stop debit card purchases. If you would like to dispute a debit card charge after it's been on your account longer than 72 business hours, please visit one of our branch locations. |
What is the timeline for the dispute process?We work as quickly as we can to determine if charges are legitimate or not. However, please allow us up to ten business days to conclude our research and issue a resolution. |
I forgot my PIN? Can you help?If you have forgotten your PIN, please call us to order you a new one or visit us to get a new one instantly. |
How do I change my PIN?You can change your PIN at any First Harrison Bank ATM. |
Why does my card have a chip in it? Are EMV cards more secure?EMV stands for Europay, Mastercard, and Visa. The EMV chip is designed to combat the large scale data breaches and card fraud we’ve all heard about. Using your EMV card gives you that extra layer of security. Our mailed cards have the EMV chip. Our Instant Issue debit cards do not currently have the EMV chip. |
How do I set up alerts?We have a complete and robust set of alerts for debit card purchases. Check out CardValet. You can also set other types of alerts on the Alerts page of Banking Butler®. |
Can I access all of my checking and savings accounts’ funds with my debit card?Your debit card makes it EASY to withdraw money from any of your checking and savings accounts at ATMs. Your debit card can only be used for purchases out of one designated checking account, however. |
Loans
Can I apply for a loan online?Yes! We currently have an online consumer loan application and a mortgage application. The consumer loan application is currently taking applications for auto, recreational vehicle, and personal loans. |
What does being prequalified for a loan do for me?A prequalification from First Harrison Bank arms you with the knowledge of how much you can comfortably afford in an automobile, house, etc. We will help you make an educated decision on your next large purchase. Additionally, realtors, auction houses, and some car dealerships like to see a prequalification letter from us to let them know you’re a serious buyer and have done your homework. |
How long will it take to close my loan?We take pride in the quick turnaround of our loans. We know you want to make your purchase, and the waiting game is no fun. We assure you that we will do everything possible to complete your loan as quickly as possible. For simple loans (automobile, boat, RV, personal loan), you can often walk out of our branch with a check or approval in hand. Home purchase loans and refinances can typically be closed in 40 days or less. Home loans do vary depending on property and borrower circumstance. Our lenders can provide insight on your specific situation. HELOCs are typically closed in 15 days or less depending on property and borrower. |
I didn’t receive a coupon book or statement. What do I do?Things get lost in the mail. If you were expecting a coupon book or a statement and didn’t receive it, call our loan servicing department at 812-734-3488 or 1-800-422-6192. |
Where can I find my full account number?You can find your full account number on your coupon book or loan statement. |
How can I make a payment on my First Harrison Bank loan?We make it EASY for you to pay your loan in a variety of ways. You can make payments in Banking Butler®, in a branch location, by calling us, or you can set up automatic payments from an account within First Harrison Bank or an account at another financial institution. We do not take payments via debit/credit card. |
Can I set up automatic payments for my loan?If you would like to set up automatic payments from a First Harrison Bank account, you can visit a branch location, call us, or send a message through Banking Butler®. If you want to set up automatic payments from an account at another financial institution, please visit a local branch location because you’ll need to sign a form along with giving us your external account information. |
Can I stop my loan payment if I won't have the funds available?If the automatic payment is coming from a First Harrison Bank account, it’s EASY to get it stopped. Just call or visit a branch location. If the payment is coming from another financial institution’s account, we won’t be able to stop it in time if it’s due to draw today. Please give us at least three days of notice. |
Can I change the date my automatic payment comes out?You may. If you’re concerned about the date of your next automatic payment, be sure to give us a notice of a few days. |
My loan is past due, but within the grace period. Why did I get a notice/call?We typically send out notices in the mail in this instance, and we may give you a courtesy call. We don’t want you to pay a late fee, so we’re trying to help you prevent that. |
When will a late fee be assessed to my loan?Late charges are assessed based on the original terms of your account agreement. If you need a copy of this agreement, call our loan servicing department at 812-734-3488 or 1-800-422-6192. Please consider automatic payments for future payments to help avoid late charges. |
I am having financial difficulties. Can I talk to someone about my loan?We are always here in your time of need. Please contact your original loan officer or Marva Alstott. |
Where can I find my loan payoff information?When you’re close to paying off your loan, you’ll need to know the exact payoff amount so you don’t pay too much or too little. You can find your loan payoff in Banking Butler®, by calling us, or asking at your local branch location. We only give payoff amounts to a person listed on the loan or someone else you have designated with us previously. |
I paid off my loan. What’s next?Congratulations! If we have an email address for you, you’ll get an email from us within two weeks confirming that your loan is officially paid off. For loans that were held by a mortgage or title, it typically takes about three weeks to receive that documentation. If this documentation is needed sooner, please contact your local branch location. Lastly, we hope you were satisfied with your loan experience. We hope you consider us for your future loan needs. |
Do you offer credit cards?We do! We have several personal and business card options for you. Some of the options even earn points that you can redeem for cash back, travel, gift cards, and more. See all of the details on our Credit Cards page. |