RIP-OFF. National advertising about a "Get Free Checking. Get a Flip UltraHD". "What do I need? No requirements". The very bottom of the fine print says "Offer valid only for customers residing in FirstBank's trade areas." But of course does not define what a trading area is, but they are advertising nationally for ebanking right? So I spent over an hour checking them out and giving them lots of personal information and then today I got the call to verify my information - "by the way, you know you don't get the Flip UltraHD because we don't have offices in your state -right?" NO. What a rip - they only have offices in 3 states. for 47 of the other states they are playing BAT and SWITCH, hoping that people will keep the account after they put so much effort into it. Couldn't they have put "valid only in Colorado, California, ..." but no, they want to bate and switch everyone else. If they only have to give one phone for every 20 apps, they win - right? I suggest never having an account with them because of their deceptive advertising. They burned me, don't you get burned.