FirstBank is a regional U.S. bank headquartered in Lakewood, Colorado, offering personal and business banking, loans, and digital banking services across Colorado and Arizona.
FirstBank is a large regional bank based in Lakewood, Colorado, historically branded as 1stBank and operating more than 90–100 branches across Colorado and Arizona. It provides checking and savings accounts, CDs, consumer and mortgage loans, business banking, treasury services, and robust online and mobile banking under the efirstbank.com brand. The bank has long marketed itself with a community-focused "banking for good" philosophy and is recognized as one of Colorado’s major depository institutions.([efirstbank.com](https://www.efirstbank.com/about-firstbank/about.htm?utm_source=openai))
A transaction labeled "External Withdrawal South-1203/1205 303-208-2121 - WEB PMTS" is consistent with an online (web) payment or transfer initiated through a bank’s online banking system, where "External Withdrawal" describes funds being pulled from your FirstBank account to an outside party, and "WEB PMTS" indicates an internet-initiated payment. In many cases this type of descriptor appears when you schedule bill payments, person-to-person transfers, or other ACH withdrawals through the bank’s website or mobile app; the phone number and internal codes (such as "South-1203/1205") typically relate to the bank’s operations or branch/processing identifiers rather than the ultimate payee.
If you have questions about this charge, the best resolution path is usually through FirstBank directly, since they can see the underlying ACH details, payee information, and any associated online-banking instructions. You can log into FirstBank’s online banking at efirstbank.com or use the mobile app to review your transaction history, bill-pay payees, and scheduled or past web payments. If it still looks unfamiliar, contact FirstBank customer service using the number on the back of your card or from their official website and ask them to provide the ACH company name, WEB ID, and any memo information for the transaction; they can also help you dispute the transaction or block further withdrawals if necessary.([efirstbank.com](https://www.efirstbank.com/products/online-mobile/online-banking.htm?utm_source=openai))
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to FirstBank.
Why does my statement show “External Withdrawal South-1203/1205 … - WEB PMTS” from FirstBank?
This descriptor usually indicates a web-initiated transfer or bill payment set up through FirstBank’s online or mobile banking. “External Withdrawal” means money was pulled from your FirstBank account to an external payee via ACH, and “WEB PMTS” flags that it was done over the internet; the “South-1203/1205” and phone number are internal routing or operations identifiers rather than the consumer-facing merchant name.
How can I see who actually got paid for this FirstBank ‘External Withdrawal … WEB PMTS’ transaction?
Log into online banking at efirstbank.com or the FirstBank mobile app and click into the specific transaction detail. There you may see the ACH company name, memo line, or bill-pay payee that received the funds. If the online details are unclear, call FirstBank using the number on your card or from their website and ask them to read you the ACH originator name and any invoice or account number attached to the withdrawal.
Could this FirstBank external withdrawal be a recurring bill payment or subscription?
Yes. Many utilities, telecom providers, insurers, lenders, and subscription services pull payments as recurring ACH debits from your FirstBank account. Those can appear with a generic bank descriptor like ‘External Withdrawal … WEB PMTS’ on some statements. Review your recent sign‑ups for auto‑pay (phone, internet, streaming, insurance, loan payments) to see if the timing and amount match a recurring obligation.
How do I stop future external withdrawals of this type from my FirstBank account?
If the withdrawal matches a legitimate auto‑pay you set up with a merchant, you should first contact that merchant to cancel or change your payment method. Then, contact FirstBank (online secure message, branch visit, or phone) and request that they block or revoke authorization for further ACH debits from that specific company if needed. They can also help you close and re-open the account or card if they suspect ongoing unauthorized activity.
What should I do if I don’t recognize this FirstBank ‘WEB PMTS’ charge at all?
First, verify that no one else on your account (spouse, family member, joint owner) initiated the payment. Next, check your FirstBank online banking for more detailed transaction information. If it remains unfamiliar, call FirstBank immediately to report it as potentially unauthorized. They can place a hold on the account if necessary, begin an ACH dispute or fraud claim, and walk you through any required written affidavits or documentation.
Are there common dollar amounts or patterns for FirstBank external web withdrawals?
Because “External Withdrawal … WEB PMTS” is a generic descriptor type, amounts vary widely—from small subscription charges to large bill payments or transfers. The key pattern is that they are electronic debits initiated via web banking or by an external company pulling funds from your account. Multiple withdrawals to the same unknown company, or sudden new recurring amounts, are red flags that you should review with FirstBank.
How can I get a copy of the authorization or proof I agreed to this withdrawal?
Authorizations for these withdrawals are usually granted to the merchant or service provider (for example, when you set up auto‑pay on their website), not to FirstBank directly. Ask FirstBank for the ACH company name and contact details, then reach out to that company and request a copy of your payment authorization or contract. If they cannot provide it and you believe the debit was unauthorized, work with FirstBank to file an ACH Regulation E dispute.
Has FirstBank changed ownership, and does that affect how these transactions appear?
FirstBank, headquartered in Lakewood, Colorado, agreed to be acquired by The PNC Financial Services Group, Inc., with the acquisition completed in early 2026.([investor.pnc.com](https://investor.pnc.com/sec-filings/all-sec-filings/content/0000713676-25-000137/a2025_1212xrlsxpncxfirst.htm?utm_source=openai)) During the integration period, branding and some back‑office processing may gradually transition to PNC systems, but customers should still use official FirstBank/PNC channels to review transactions and resolve any questions about external withdrawals or web payments.
This merchant is in the Financial Services category