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Mobile Banking Information

Generally, the same security measures you are already familiar with from e-banking at home should also be taken here.  In addition, please note the following additional tips:

 

  •  Activate your mobile device's code, PIN, Screen, fingerprint or strong password lock. This ensures that unauthorized parties cannot gain access to your data and applications (apps). Change your security code, PIN or password periodically.
  • Do not store your access data such as PIN, or password on your mobile device. Do NOT set your device to auto-fill User ID’s or Password information
  • Make sure no-one is looking over your shoulder when entering your PIN or password.
  • Also, don’t forget to lock your SIM card with a code.
  • Use caution when downloading banking apps. Only install apps from reputable sources such as the Apple® App Store, Google™ Play, or a direct link from our website.
  • Protect your sensitive apps, such as First General Bank’s Mobile Banking app, with a code, for additional protection.
  • Make sure to download and install system and app updates regularly, as often times these include fixes to security flaws.
  • Install reputable anti-virus software on your mobile device, and install update promptly.
  • Don't use an unsecured Wi-Fi network, such as those found at coffee shops, because fraud artists might be able to access the information you are transmitting or viewing.
  • Do not share personal and financial information via email, text or phone. Social Security number, birth date, passwords, and account numbers should be kept private and never stored on your mobile device.
  • Watch out for unsolicited e-mails or text messages appearing to link to a financial institution's Web site. Those could be "phishing" messages containing some sort of urgent request (such as a warning that you need to "verify" bank account or other personal information) or an amazing offer (one that is "too good to be true") designed to lead you to a fake Web site controlled by thieves. First General Bank will not send you e-mail or text message to ask for your sensitive information such as account number, social security number or password.
  • Delete security verification codes and other sensitive message alerts such as banking information you may receive via text from legitimate sources.
  • Always log off completely after using a mobile banking site or application. Close/exit the app only after you log off from your session.
  • Do NOT” Jailbreak” or “Root” your mobile devices, as these will remove restrictions, including security protection, put in place by the device’s manufacturer, opening your device up to malware or other security flaws.
  • Make sure to clear out all information on your phone before discarding it.
  • If you change your mobile phone number, be sure to notify us promptly.
  • Report a lost or stolen mobile device. Contact us immediately to update your information. Also, if possible, activate “remote wipe” to delete data stored on your lost device. 
  • When depositing a check through our mobile banking app, retain your check in a secure location for 14 days, verify that it was posted to your account, and then destroy the check in a secure manner.

Please contact us 626-363-8878, Ext 118 or e-mail us at customerservice@fgbusa.com for any questions. Again, when sending us an e-mail, please do Not send your personal or other sensitive information.

You can obtain additional information about protecting your internet and online banking security at:

https://www.fdic.gov/consumers/consumer/news/cnwin1213/mobilebanking.html

 

Mobile Deposits Frequently Asked Questions and Funds Availability:

Q:            What is Mobile Banking Deposit?

You could make a deposit directly into your checking or savings account by taking a photo front and back of your endorsed check using the camera on your smart phone.

Q:            Is Mobil Banking Safe to Use?

FGB uses advanced encryption technology and security policies to safeguard the information being communicated between your smart phone and the Bank.

Q:            What are the common errors in depositing checks?

Unclear images of the front of the check       
Folded or torn check corners            
The images of the check are too dark
Amount entered does not match the check
Unclear bank routing number and check account numbers
 

Q:            Can foreign currency checks be deposited through Mobile Banking?

                No, Mobile Banking can only accept checks that are payable in U.S. dollars and drawn on banks in the U.S.

Q:            How long should I keep the original checks?

                Once you have submitted your check deposits via the FGB Mobile App, you should store them in a safe place for up to 14 days. Once the checks have been destroyed, the image will be the sole evidence of the original check. We recommend that you mark “VOID” and the destroy the original checks immediately after the deposits have been posted to your account.

Q:            When will my check deposit be processed?     

Checks deposited through FGB Mobile Banking will be processed the same business day (Monday through Fridays, except holidays) if they are deposited before 6:00 p.m. (California Time).

Please refer to the Funds Availability disclosure below.

Q:            Are there deposit limits for Mobile Deposits?

                Yes, your Mobile Deposit is limited to $2,000 per day.

Funds Availability

For purposes of funds availability, Mobile Deposits are made at First General Bank’s Head office located in Rowland Heights, California.

Funds deposited using Mobile Banking Deposit are available on the next business day after the day of your deposit, unless a hold is applied.

Deposit Day/Cut-Off Time                                                                Funds are generally available

Business Day*, before 6:00 p.m. (California time)                       Next Business Day after day of Deposit

Business Day, after 6:00 p.m. (California time)                            2nd Business Day after day of Deposit

Non-Business                                                                                       2nd Business Day after day of Deposit

*Business day means Monday through Friday, except holidays

Funds are available on the next business day after the day of your deposit, unless a hold is applied. If a deposit is held (or a hold is applied), funds are posted to your account but are not immediately available to cover debits or withdrawals. Common reasons include:

Large deposit amounts
Frequent overdrafts
Deposited checks returned unpaid
Indications a deposited check may not be paid
 

Please refer to the Bank’s “Your Ability to Withdraw Funds” disclosure for additional details.