1st Constitution Direct Review

1st Constitution Direct Review

1st Constitution Direct is the Internet branch of 1st Constitution Bank, which provides banking services online and at their eleven locations in central New Jersey.

1st Constitution Direct is the Internet branch of 1st Constitution Bank, which was established in 1989 and currently serves eleven locations in central New Jersey. The bank provides innovative products, personalized service and technical support to its customers. The bank reported assets of $678 million at the end of 2009 and enjoys an A rating from the Better Business Bureau.

1st Constitution Direct features

The bank offers two savings accounts and multiple types of checking account. Certificates of deposit (CDs) are available with a variety of terms and rates. The bank can transfer the monthly interest earned on a CD into another account such as a savings account.

Online banking and bill-paying are available for 1st Constitution Direct customers, along with bank-by-phone services including the ability to transfer funds by phone. This Internet-savvy bank provides personalized community banking services to consumers and small businesses.

All deposit accounts at 1st Constitution Direct are FDIC-insured to at least $250,000 in accordance with current law. Consumers should protect their interests by opening more than one account at different financial institutions or under more than one name (such as a joint account with a spouse or relative) to be sure all their assets are entirely insured.