First Community Bank Frequently Asked Questions
Frequently Asked Questions For Online Banking
What is Internet Banking?
“ ONLINE” Internet Banking is a convenient way to access your accounts at First Community Bank from the comforts of your home or office. “ONLINE” Internet Banking is available to you 24-hours, 7 days a week just by using your personal computer.
What Can I Do With Internet Banking?
With Internet Banking you will have the ability to:
- Review transaction on eligible accounts
- Transfer funds between eligible accounts
- Make loan payments
- Obtain balance information on eligible accounts
- Obtain a copy of a statement on an eligible account
- Export transaction history to a Personal Financial Management Software (Money, Quicken, etc.)
- Change your password; and receive from and send e-mail to the Bank, as described in the Online Internet Banking and Service Agreement
How Do The Balances That Are Shown Online Compare To The Bank Computer Balances?
First Community Bank uses "Real Time Access" for your balance information. This means that the balance you see at home is exactly what the balance shows at the bank. If you make a deposit or cash a check or even use your Debit card, you will be able to see that transaction online immediately.
How Much Does Internet Banking Cost?
The service is free for our customers.
Is Internet Banking Private and Secure?
Yes it is. First Community Bank has incorporated state-of-the-art security into its Internet Banking to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.
What Is Data Encryption?
128-bit electronic data encryption provides privacy for the data flowing between your computer and the bank’s online server.
What Is A Firewall?
Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of First Community Bank. We use several layers of technology to ensure that your Internet transactions are secure and tamper-proof.
How Are Joint Accounts and “Two Signatures Required” Accounts Managed?
Passwords are unique to each user accessing “ONLINE” Internet Banking. For joint accounts, each signer on the account is assigned a unique Access ID and Password and is responsible for the confidentiality of their individual Access ID and Password. Access ID's and Passwords must never be compromised or shared with any other person or signer on an account.
Accounts requiring two signatures are currently not allowed access to Internet Banking.
What Can I Do To Protect Myself?
Your Logon ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts. Other security tips:
- Keep your web browser software up-to-date to take advantage of the latest security enhancements.
- Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.
- Please be careful where you choose to do your Internet Banking and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.
- If you get an unexpected web page asking you for your credit card, password or account information, DO NOT disclose this information.
- DO NOT share diskettes that contain confidential information even if you think you have erased the information.
- It is a good idea to shred printouts of your account information before discarding them.
What Equipment Do I Need?
In order to access First Community Bank “Online” Internet Banking you must have an IBM-compatible personal computer, running Windows version 3.1 or later, access to the internet, and a browser that supports 128-bit encryption. Before enrolling, check to see that the browser you are using is the most current version. Updates for browsers can be downloaded from the software providers web site.
Can I Access Internet Banking Through My Current Internet Service?
Yes. The browsers that First Community Bank requires work with most Internet service providers.
Does Internet Banking Work With Quicken and Microsoft Money?
Yes it does. Data can be downloaded to spreadsheets such as Microsoft Excel or other personal financial management software such as Quicken or Microsoft Money in a "qif" file format.
Who Do I Contact If I Have Problems, Questions Or Forget My Access ID Or Password?
You can contact any of First Community Bank Branches or call our toll free number 1-800-645-5739. Contact information is available by clicking on any of the location links to the left
How Do I Get Started?
If you have an account with First Community Bank, you will need to fill out an enrollment form. This can be done either online (see next section); by printing, completing and returning an enrollment form to one of our offices; or by visiting one of our offices and completing the enrollment process. You will be issued a temporary Access ID and a temporary Password after completing the enrollment form.
After receiving your temporary Access ID and temporary Password you will need to go to our web site ( www.fcbank.net), click on the "Online Banking" button. You will then need to click on the "Log On" button. Enter your temporary Access ID and Password (UPPER CASE). You will be required to change your Access ID and Password. Your new Access ID must be at least 6 characters long. Your new password must be at least 6 character long and must contain BOTH numbers and letters and be entered in UPPER CASE.
How Do I Enroll Online?
Click on this link to begin the process. You will be presented with a “Welcome” page. Please follow the instructions on that page to complete your application. (Note: You will be required to view and agree to the Online Internet Banking and Service Agreement and Disclosure Statement before you are allowed to continue on to the Enrollment form). Online enrollment customers will receive their temporary Access ID and Password via mail within 3 to 5 business days. The Access ID and Password will arrive in separate envelopes and on different days.