Do you ever pause to wonder how much cash sits in your First Bank Nigeria account? Knowing how to check your balance is the start of real control over your money. When you’re aware of what’s left, every move—paying bills, saving for a goal, or cutting back—comes with confidence. Keeping an eye on your account helps you stay tidy with expenses, skip avoidable fees, and see where your money’s going. You can do this in several ways: through online banking, the mobile app, text message, or a quick USSD code. Each option is built for ease, letting you handle your cash in the way that suits your daily rhythm.
Why Knowing Your Balance Matters
Keeping an eye on your balance isn’t just a habit—it’s protection. It helps you avoid overspending, unnecessary overdraft charges, and failed transactions. It also keeps you alert to unusual activities that may point to fraud. When you know what’s in your account, you’re better equipped to plan, save, and meet your financial goals. It’s a simple act that carries long-term benefits for anyone serious about money management.
How to Check Your Balance Online
Online banking remains one of the most convenient options. Start by visiting the First Bank website. Enter your login details to access your account. Once you’re in, your balance will appear on the main dashboard. You can scroll through recent transactions, confirm deposits, and view pending payments. Beyond checking balances, online banking lets you move money between accounts, pay bills, and manage cards. It’s safe, secure, and works from any device with internet access.
Using the Mobile App
If you rely on your phone for most things, the First Bank mobile app makes life easier. Download it from your app store and log in with your details. Your account balance will be displayed on the home screen the moment you open it. The app gives real-time information, so every deposit or withdrawal appears instantly. It’s handy for people who travel often or want instant access to their financial information.
Checking by SMS
When internet access is limited, SMS banking is a reliable backup. To use it, first register for SMS banking at any First Bank branch or by following the setup guide provided by the bank. Once registered, simply text BAL to the designated First Bank number. In a few seconds, you’ll receive your account balance as a reply. It works on both smartphones and basic phones, which makes it a practical choice for anyone.
Checking with USSD Code
Another fast way to check your balance is by using a USSD code. From the phone number linked to your account, dial 89400. Within moments, your balance will appear on the screen. This method doesn’t require internet or mobile data. It’s quick, secure, and works perfectly well on any phone model.
Checking Without an ATM Card
Lost your card or left it at home? No problem. You can still check your balance through the mobile app, online banking, SMS, or USSD. None of these methods requires an ATM card. They’re easy to use and provide the same accurate account information.
Managing Your Balance Smartly
Activate alerts to get notified when your funds drop below a chosen limit. Review your spending every few days to understand your cash flow. Set automatic transfers to savings if you’re building a nest egg. The small habit of checking your balance keeps your finances stable and predictable.
For additional guidance, visit the official First Bank website or speak with a representative at your nearest branch.
Article updated 6 days ago. Content is written and modified by multiple authors.
