Consumer Banking is the provision of products and services to meet the financial needs of individuals with a steady and verifiable income flow.  

The products objectives are to improve on our customers’ standard of living by way of granting structured credit facilities to acquire basic necessities of life such as residential homes for living and cash to meet  individual needs and investment plan. 

Here are some of our Consumer Banking Products; 

Mortgages
Provision of loans for the acquisition/ construction of residential properties under one of the following schemes:

• Outright Purchase
• Construction
• Home Equity (Refinancing)

Personal Loans / Overdrafts
The product is designed to provide finance for individuals whose salaries are being paid through the Bank.

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CONSUMER SAVINGS PRODUCTS

First Hi-Fi (Children) Account
This is a special account designed for children from age 0 – 18 years to sensitize and cultivate savings culture within this age bracket and to help parents plan towards the future of their children and wards.

First Current Plus (Zero COT Account)
Withdrawal is limited to five (5) times in a month, where a customer exceeds the number of withdrawals, the account will default to N5.00/mille COT on the total customer induced transactions for that month

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