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 Online Banking Frequently Asked Questions

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 a day, 7 days a week just by using your personal computer.

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.

Do I have to be a First Community Bank customer?

Yes, you must have at least one FCB account to access your accounts online.

What can I do with Internet Banking?

With Internet Banking you will have the ability to:
  • Check your account 24/7 for real-time balance and transaction information
  • Transfer funds between your First Community Bank accounts
  • Schedule transfers
  • Make loan payments
  • Review your accounts to confirm cleared deposits and checks, and to view all ATM and Debit Card transactions
  • View and print images of your checks and deposits
  • View current and previous statements
  • Receive statements electronically with eStatements (more details below)
  • Export data to Quicken™ or Microsoft Money ™
  • Tie Nicknames to accounts
  • Change your password
  • Pay Bills (more details below)
How do I sign up for Internet Banking?

Enrollment is completed Online. Follow the instructions on the Auto Enroll page to begin your enrollment. You will be required to view and agree to the Online Internet Banking Service Agreement and Disclosure Statement before you are allowed to complete the Enrollment form.

Click on this link to begin the process

What system requirements are necessary to access Internet Banking?

You must have access to the internet and browsers that support 128-bit encryption. 128-bit encryption provides privacy for the data flowing between your computer and the bank’s online server. The minimum internet browser requirements are Internet Explorer 6.0, Netscape 6.1, or Mozilla Firefox 1.0. Using the most current versions of browsers provide better internet protection. Updates for browsers can be downloaded from the software provider’s web sites.

 Is there a fee for Internet Banking?

This service is free for our customers.

After Enrollment, how long before I can begin using the service?

If your Enrollment information is accepted, you may begin using Internet Banking immediately. If your Enrollment contains invalid information, you will need to contact us.

What happens if I forget my Access ID?

You may contact us by phone or visit your local branch office to receive a new Access ID.

What happens if I forget my Password?

You may select the Forgot Password link on either the Log In or Enter Password screen or contact us to receive a new Password. If you incorrectly enter your Password three consecutive times, you will be locked out. This is to protect your personal information. If you get locked out, please contact us.

How do I change my Password?

After successfully Logging In to Internet Banking, go to the Options tab and choose “Edit” in the Change Password section. It is recommended that your Password be periodically changed.

Which accounts will I be able to view on Internet Banking?

You will be able to view any accounts on which you are an authorized signer.

What if one of my accounts is not shown?

If accounts that you are authorized to sign on are not displayed, please contact us.

How are joint accounts managed?

Passwords are unique to each user accessing Internet Banking. For joint accounts, each signer on the account must have 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.

How do the Balances that are shown Online compare to the bank computer balances?

First Community Bank uses "Real Time Access" for your Checking and Savings balance information. This means that the balance you see at home is the same balance at the bank. If you have Automatic deposits or payments, make a deposit or transfer funds in the bank, transfer funds or make payments online, cash a check or even use your Debit card, you will be able to see those transactions online immediately. Checks deposited by businesses or some checks deposited at other banks will not reflect in the balance shown online.

Loan Balances will not reflect payments made by using Internet Banking or EZ Banc in the current business day.

What is the daily cut-off time to complete transactions on the current business day?

Transactions completed on Internet Banking Monday-Friday before 7:00 pm, will post to your account that day. Transactions completed after 7:00 pm will post to your account the next business day.

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. To export Transactions, click “Transaction export” under Transactions. You may select which transactions you want to export and the software format you desire.

Who Do I Contact If I Have Problems, Questions Or Forget My Access ID Or Password?

You can contact any First Community Bank office or call our toll free number 1-800-645-5739. Contact information is also available by clicking on the LOCATIONS tab.

eSTATEMENTS estatement

What is an eStatement?

An eStatement is the electronic delivery of your monthly account statement. Instead of receiving your statement through the mail, you will receive an email notification that your statement is available for viewing within Internet Banking. No more waiting for your statement to arrive in the mail!

You simply Log In to Internet Banking as you normally do, choose the appropriate account, click on the Documents tab, click on eStatements and choose the date of the statement you wish to view. To view your eStatements you must have Adobe Acrobat Reader version 6.0 or greater. To download a free copy of Adobe, please go to http://www.adobe.com

How do I Enroll?

Enrollment is completed within Internet Banking. You may be prompted when you Log In to Internet Banking. If not, go to the Options tab and find the eStatement enrollment section near the bottom. Simply follow the instructions there and your next statement will be delivered electronically.

How do I Save an eStatement?

An eStatement can be printed and/or saved to your computer, a disk or another type of electronic storage device.

How Many Months of eStatements are Available?

eStatements begin with your first month of enrollment and each month thereafter will be retained until 12 months have accumulated. At that point, 12 “rolling” months of statements will always be available.

Is there a Fee for eStatements?

No, eStatements are free of charge.

BILL PAY estatement

What Is Bill Pay?

Bill Pay is a safe and convenient way to pay your bills online anytime of the day or night. Bill Payments can be scheduled for immediate payment, for a future date or to automatically re-occur each month.

What type of Payments can be made with Bill Pay?

Payments can be made to utility companies, other banks, credit cards, local businesses and more. To ensure that you receive proper credit, please be careful to enter accurate addresses and account number information when setting up your Payees.

Can I Transfer Funds to my Account at another Bank?

Yes, funds can be transferred to your account at another Financial Institution.

Can I Transfer Funds to another Person?

Yes, funds can be transferred from your account to an individual without the individual’s account information. All that is required is an email address for that individual. The transfer will be completed safely and securely.

Is Bill Pay safe?

Paying bills through Bill Pay is much safer than paying your bills with a personal check. Payments are sent electronically whenever possible. If a check must be sent, the Bill Pay system sends a check and that check will not have your bank account information on it. Only your name, address and your account number at the company being paid will appear on the check.

How do I know if a requested Bill Payment has been made?

You may view bill Payment History within Bill Pay. You can search by Payee, Category, or Date Range. The History details show the date the payment was scheduled, if the payment was sent electronically or by check, the estimated arrival date, if the payment reached the payee and the date received.

How do I sign up for Bill Pay?

Bill Pay enrollment is completed within Internet Banking. Simply Log in to Internet Banking and Choose the Bill Pay Tab.

Is there a Fee for Bill Pay?

Bill Pay is free for the first two calendar months of service. Thereafter Bill Payment services are $5.95 per month for unlimited payments. Fees are subject to change. Bill Pay saves you time and postage.

 SECURITY estatement

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.

What Can I Do To Protect Myself?

Your Login ID and Password provide one of the most important security features for Internet Banking, and are your unique identifier. Be sure not to share them with anyone – most frauds involving hijacked accounts originate with someone the victim knows. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts. For an extra layer of security, you will also set up Security Questions and Answers that will be asked if you log on from a non-personal computer.

Other security tips:

  • Security begins with a strong password, which only you, the user, know. Experts advise a combination of letters and numbers and advise against using easily guessed passwords such as birthdays or telephone numbers. It is also recommended that your password be changed periodically.

  • Always Log Off Internet Banking when you are finished to ensure the protection of your personal information. Do not simply “X” out.

  • Keep your web browser software up-to-date to take advantage of the latest security enhancements.

  • Make sure the anti-virus software on your computer is current and scans your emails as they are received. This simple step is critical to your personal safety and security when online. Viruses might be used to capture password keystrokes or send information from your hard drive.

  • 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, account numbers, or any other personal information, DO NOT disclose this information. You provided that information to the bank when you opened the account and the bank will not ask you for it.

  • Email is generally not encrypted so do not send any personal information or account numbers in this way. If you receive an unscheduled or unsolicited email that seems to be from your bank – be cautious! We will not request sensitive information via email.

  • 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.

  • Also check out our Fraud page.
 
 
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