How to Check First Bank Account Balance (Using USSD Code, App & SMS)

First Bank of Nigeria, one of the leading financial institutions in the country, offers its customers various methods to check their account balances quickly and securely. Whether you prefer to use USSD codes, mobile apps or SMS services, First Bank has got you covered. Here’s a complete guide on how to check your First Bank account balance using three convenient methods: USSD Code, Mobile App and SMS.

How to Check First Bank Account Balance Using USSD Code?

The USSD code method is a quick and easy way to check your balance without the need for an internet connection. Here’s how to do it:

  • Make sure your phone number is registered with First Bank. It is very important to use USSD service. If your number is not registered, contact First Bank Customer Care to complete the registration process.
  • Dial *89400# on your registered mobile phone. This code is specially designed to check your account balance.
  • Enter your 4-digit PIN. This is the PIN you created while registering for First Bank USSD service.
  • You will also receive an SMS notification with your balance information.

How to Check First Bank Account Balance Using First Bank Mobile App?

The First Bank mobile app offers a user-friendly platform for managing your finances on the go. Here’s how to check your balance using the app:

  • Download and install First Bank Mobile App. The app is available for free on Google Play Store and Apple App Store.
  • If you haven’t already, you need to register for mobile banking with First Bank.
  • Once logged in, tab to the “Accounts” section. This section usually displays a list of your First Bank accounts.
  • The balance of the selected account will be displayed on the screen.

Checking Your First Bank Account Balance Using SMS​

Although not as widely used as other methods, SMS banking allows you to check your balance. Here’s how to do it:

  • Open your messaging app and compose a new message.
  • In the message option, type “BAL <account number>”. Replace <account number> with your original First Bank account number. Send SMS to 30012.
  • You will receive a reply SMS containing your account balance information.

By following these simple steps, you can easily check your First Bank account balance using the method that best suits your needs and preferences.

Why you need to Know your remaining Account balance?

Knowing your remaining First Bank account balance is important for several reasons:

  • Financial Management: Understanding your account balances helps you manage your finances better. It allows you to track your income, expenses and overall financial health.
  • Budgeting: With knowledge of your account balance, you can more effectively create and stick to a budget. It helps you allocate funds for various spending and savings goals.
  • Avoiding overdrafts: By knowing your account balance, you can avoid overdrafts and associated fees. This ensures that you do not spend more money than is available in your account.
  • Transaction Monitoring: Regularly checking your account balance allows you to monitor incoming and outgoing transactions. It helps to detect any unauthorized or fraudulent activity immediately.
  • Making Informed Financial Decisions: Whether it’s deciding whether to make a purchase or plan for a big expense, knowing your account balance gives you the information you need to make informed financial decisions.

Last Words ​

With these easy methods offered by First Bank, checking your account balance has never been easier. Whether you prefer the simplicity of USSD codes, the versatility of mobile apps or the reliability of SMS, First Bank ensures that you can access your financial information anytime, anywhere. By following the steps outlined in this guide, you can stay informed about your account balance and manage your finances with ease.

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