First Service Bank on Your Credit Report
In short: First Service Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Greenbrier, AR on a charter established in 1962. FDIC certificate 18519 records 11 FDIC-reported offices and $1.0 billion in total assets on the 06/30/2026 call report. An account reported by First Service Bank is furnished by the bank itself, so your FCRA §623 rights attach to First Service Bank directly, in addition to the §611 route through Equifax, Experian and TransUnion. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First Service Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Service Bank has been in continuous operation for 64 years, chartered May 7, 1962 and carried on the FDIC's books as certificate 18519. Its 06/30/2026 call report shows 11 FDIC-reported offices and $1.0 billion in total assets, averaging roughly $93 million per office.
How First Service Bank appears on your credit report
First Service Bank is a regional lender headquartered in Greenbrier, AR, with 11 FDIC-reported offices and $1.0 billion in assets, on a charter 64 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Agricultural operating lines carried on the owner’s personal file
Grounds to dispute a First Service Bank entry
Each of these is a reason a First Service Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Charge-off reported by First Service Bank after the account was settled in full
- ◆Closed First Service Bank deposit-secured line still reporting as an open revolving account
- ◆Mortgage paid at closing but still showing an outstanding balance with First Service Bank
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First Service Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First Service Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First Service Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Service Bank questions, answered
Is First Service Bank FDIC-insured, and what is its certificate number?
Yes. First Service Bank holds FDIC certificate 18519. The FDIC record shows a charter established May 7, 1962, headquarters in Greenbrier, AR, and 11 FDIC-reported offices with $1.0 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates First Service Bank, and where do I escalate if a dispute fails?
First Service Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First Service Bank?
None that can be attributed with confidence. First Service Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Service Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a First Service Bank charge-off stay on my credit report?
A charged-off First Service Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date First Service Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with First Service Bank and disputing with a collector?
The records live in different places. First Service Bank originated the account in Greenbrier, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the First Service Bank tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does First Service Bank report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of First Service Bank — 11 offices, $1.0 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a First Service Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
First Service Bank was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted First Service Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1962, core-system conversions are the usual cause.
Can I dispute First Service Bank reporting myself, without paying anyone?
Yes, and at no cost. You can write First Service Bank directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Greenbrier bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on First Service Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 64-year-old lender like First Service Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First Service Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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