What is Online Banking?

Online Banking is a convenient way to access your accounts at First Community Bank from the comforts of your home or office. Online Banking is available to you 24-hours a day, 7 days a week just by using your personal computer.

Is Online Banking private and secure?

Yes it is. First Community Bank has incorporated state-of-the-art security into its Online Banking to ensure both privacy and security. Online Banking utilizes multiple layers of security to ensure that your accounts and information remain secure. For more information, see the Security section below.

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 Online Banking?

With Online 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
  • Pay Bills (more details below)
  • Pay people or request money with Popmoney® (more details below)
  • Receive account balance or transaction alerts
  • Review deposit & check transactions and 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™, Quickbooks™ or Microsoft Money ™
  • Tie Nicknames to accounts
  • Change your password

 What system requirements are necessary to access Online Banking?

You must have access to the internet and your computer operating system must support current internet browser versions. Using the most current versions of browsers provides the highest level of security. Updates for browsers can be downloaded from the software provider’s websites. Click here for System Requirements.

 Which accounts will I be able to view within Online 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 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 Online 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 Online 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 Online 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 for Current and Previous Cycles. To export Transactions prior to the Current and Previous Cycles, choose All Transactions under the Transactions menu and enter the desired dates. You may select which transactions you want to export and the software format you desire.


How do I sign up for Personal Online Banking?

Follow the instructions on the Enroll Now page to begin your enrollment. You will be required to view and agree to the Online Banking Service Agreement and Disclosure Statement before you are allowed to complete the Enrollment form. Click on this link to begin the process.

How are joint accounts managed?

Passwords are unique to each user accessing Personal Online 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.

Is there a fee for Personal Online Banking?

Personal Online Banking 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 Online 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 Personal Online Banking, go to the Options tab and choose “Edit” in the Change Password section. It is recommended that you change your Password periodically.

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 ATM LOCATIONS tab.


How do I sign up for Business Online Banking?

Contact your local branch office for enrollment details.

What is the difference between Business Online and Personal Online Banking?

Business Online has all of the features of Personal Online Banking along with robust Cash Management features. An additional level of security allows you to:

  • Offer Direct Deposit of Payroll
  • Offer Direct Debit of Payments for monthly utilities, memberships, donations and more.
  • Automate and manage outgoing payments and transfers.

Can I allow employees access to only certain accounts?

Yes. Employee access can be customized and limited according to job function and responsibilities.

Can I stop payment on checks?

Yes, you may authorize yourself or employees to enter Stop Payment information on checks and pay a discounted fee

Is there a fee for Business Online Banking?

Certain fees apply depending on the level of access you choose for your business.

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

Call our toll free number 1-800-645-5739 or 406-228-8237.


 What is Mobile Banking?

 With Mobile Banking, you can be sure that your banking activities are with you at all times. You can securely access your accounts from your mobile device to deposit checks, check account balances, view transactions, transfer funds, pay bills or people, receive account balance and transaction alerts or find your nearest ATM or branch office.

 Do I need a certain type of phone or tablet?


Mobile Banking works with a majority of today’s phones and tablets and with most common mobile phone service providers. You can use your phone if your device meets any of these qualifications:

  • Your phone allows text messaging
  • You can browse the internet on your phone
  • You have a compatible iPhone, Samsung or Android mobile device
  • Click here for System Requirements

 Is there a fee for Mobile Banking?

 No, our Mobile Banking service is free, however your mobile carrier’s message and data rates may apply.

 Do I need to be enrolled in Online Banking to use Mobile Banking?

 Yes. Verification of all users through Personal Online Banking is one of our security measures. Once you enroll, you will not have to access Online Banking again unless you wish to change phones or deactivate the service.

 How do I enroll in Personal Online Banking?

 Click on Enroll Now anywhere on our website.

 Do I need a new username or password?

 No. Use the same Personal Online Banking Access ID and password. If you change your Personal Online Banking password, the Mobile Banking password will automatically change as well.

 How do I access Mobile Banking?

There are four ways to access Mobile Banking:

  • iPhone or Android App
  • iPad or Android Tablet App
  • By using a mobile web browser
  • By texting

The apps and mobile web browser have been specially designed to display your banking information clearly and provide ease of navigation. You can use any or all of these options.

 How do I install the Smartphone App?

 The app can be found by searching your device’s application store (Apple App Store and Google Play). Tap the GET button and INSTALL. Once downloaded, simply use your Personal Online Banking credentials to log in.

 Is there a waiting period to use Mobile Banking?

There is no waiting period.

  • For the Mobile or Tablet Banking Apps: Once you download and install the app, simply log in using the same Access ID and password used for Personal Online Banking.
  • For Mobile Browser Banking: From your mobile browser, log in to Personal Online Banking at using the same credentials.
  • For Text Banking: Users will initially log in to Personal Online Banking to enroll for Text Banking, then follow the on-screen prompts to begin using our Text Banking service right away.

 What should I do if I get a new phone or change phone numbers?

 You’ll need to log in to Personal Online Banking, go to the Options tab and choose Manage Devices under the Mobile Banking Profile. We recommend removing your old phone and re-enrolling your new phone.

 Can I use Mobile or Text Banking on more than one phone?

Yes. To enroll additional devices, log in to Personal Online Banking and go to Mobile Banking-Manage Devices. You can enroll and then activate multiple phone numbers.

 What if my mobile device is lost or stolen?

No personal information from your Mobile Banking account is ever stored on your device and your password is never stored. Your login session automatically times out after a short period of inactivity.

You can deactivate the device by following these steps:

  1. Log in to Personal Online Banking and access Mobile Banking preferences.
  2. Locate the phone number and select the option ‘Stop using this device for Mobile Banking’.
  3. Notify your local branch office or 1-800-645-5739.
  4. Notify your mobile phone carrier.

 What are the commands for Mobile Texting?

Text commands are sent to 99588. The commands are:

BAL = Current Balances

HIST + Acct Nickname = Transaction History (example: HIST CHK = Transaction History)

NEXT = To retrieve more transactions

ATM + Zip Code = Find Nearby Branches

HELP = Contact Information

STOP = Cancel Text Banking

 Is Mobile Banking secure?


First Community Bank utilizes best practices with your security in mind. Just like Online Banking your mobile session is secured using the latest in encryption and authentication technology to help protect against fraud. Additionally:

  • Only the phone(s) or tablet that you personally enroll in the service can be used to access your accounts.
  • Mobile banking uses additional Security Q&A authentication for initial access to your account.
  • Mobile Banking uses your Access ID & Password for access, just like Online Banking. And just like with Online Banking, your account will lock down after 3 incorrect attempts from your mobile device.
  • No confidential account information is ever stored on your phone or tablet. We recommend that you never store your login password(s) in the address book or notepad on your mobile device.
  • Mobile Banking will automatically log out after a short period of inactivity.
  • In the event your phone is lost or stolen, the service can be immediately disabled within Personal Online Banking or by calling your local branch office.
  • Mobile Banking uses strong Firewalls just like Online Banking – which protects from unauthorized or malicious intrusion.
  • Accessing Mobile Banking via an app or mobile web browser initiates an encrypted session that protects any transmission of data just like Online Banking.
  • When text banking, a trusted relationship is established between Mobile Banking and your phone number.
  • Smartphones such as iPhones, Samsung and Android have very controlled and secure operating systems.

Other device security tips:

  • We recommend password-protecting your device to provide an added layer of security.
  • Download our apps from the stores we have indicated to make sure they are legitimate.
  • Add our text short code (99588) and phone number (406-228-8231) to your contact list. Initiate texts and phone calls only from your contacts.
  • Do not click on links in SMS messages unless you initiated the SMS conversation with us.
  • If you use our Mobile Browser website, bookmark it so that you know you are accessing the authentic site.
  • Always use your cellular network when conducting financial services.
  • Avoid using unsecured, public wi-fi networks to access your accounts.
  • Do not keep your mobile banking username or password with your phone.
  • Do not allow others to use your phone.
  • Consider modifying your phone’s settings so that only messages from authorized numbers are allowed.


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 Online Banking. No more waiting for your statement to arrive in the mail or worrying about it getting lost in the mail!

You simply Log In to Personal Online 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

How do I Enroll?

Enrollment is completed within Personal Online Banking. You may be prompted when you Log In to Online Banking. If not, go to the Options tab and find the eStatement enrollment section near the bottom. Simply follow the instructions 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 USB drive 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 18 months have accumulated. At that point, 18 “rolling” months of statements will always be available.

Is there a Fee for eStatements?

No, eStatements are free of charge.


What Is Bill Pay?

Bill Pay is a safe and convenient way to pay your bills on your computer or mobile device 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.

How does it work?

To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

  • Pending Payments: Provide a quick summary of the payments that have not yet been processed.
  • Recent Payments: Provide a list of bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.

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, the Popmoney® personal payment service lets you send money to friends, family or almost anyone. All you need is their name and email address or mobile telephone number to move money from your bank account to theirs. See Popmoney® below.

How do I sign up for Bill Pay?

Bill Pay enrollment is completed within Personal Online Banking. Simply Log In to Personal Online Banking, choose the account you wish to pay bills with and choose the Bill Pay tab.

Is there a Fee for Bill Pay?

There is no fee for Bill Pay.


What is Popmoney?

Popmoney is an innovative personal payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting and you and your contacts will never need to exchange financial account information.

How does it work?

Sending Money

  • To send money, log in to your account by accessing our Personal Online Banking site, select the account you wish to pay bills from, click on the Bill Pay tab and find the Popmoney tab. Or log in to Mobile Banking, tap the Payments tab and then select the Pay a Person button.
  • Send money using the recipient's name and email address, mobile number or checking/savings account information. You can even make it special by using one of our eGreetings.
  • You will be notified when the transaction is completed.
  • If your recipient's financial institution is part of the Popmoney network, they can complete the transaction from their own financial institution's online banking site. If not, they can go to to pick up the funds and direct the funds to their bank account.

Receiving Money

  • You will receive an email or text message telling you someone sent you money.
  • Log in to your financial institution's online banking site and direct the funds to your bank account.
  • Money sent to a specified bank account will be automatically deposited there.

How will the recipient know I sent money using Popmoney?

The recipient will receive a payment notification either by email or a text message depending on how you chose to send the money.

Email address: The recipient will receive an email with instructions on how to direct the payment into their checking or savings account.

Mobile number: The recipient will receive a text message with instructions on how to direct the payment into their checking or savings account. If the recipient doesn't act in 3 days, they will receive a text message reminder to act on the payment notification. Message and Data charges from your telecommunications provider may apply.

When will the funds be available in the recipient's account?

Funds may be available in the recipient's checking or savings account as early as one business day from the date they accept the funds. The recipient will receive a confirmation email with the date the funds will be in their account.

What type of accounts can I use to send the payment to?

Payment can be directed to a checking, savings, or money market account held at a U.S. financial institution.

Do payments expire?

Yes. The recipient has 10 days from the date of the payment notification to provide checking or savings account information. After 10 days, if the funds have not been accepted, the payment expires and the funds are returned to the sender.

Is the Popmoney service secure?

Yes. Popmoney was created with your financial security in mind. Popmoney is built on the industry's leading online money movement platform and utilizes superior risk management and fraud protection services. This is the same online money movement platform used by thousands of financial institutions, including many of the nation's top banks.

Terms and Conditions apply.


How secure is my bill payment and personal information?

Our system uses multiple layers of security ensuring unauthorized users cannot gain access to your accounts. We do this by verifying three important criteria:

  1. Your Log In Credentials - Access ID and Password must match with our system records or access is refused.
  2. Your Device - We check the device you are using – whether it’s your computer, mobile phone or tablet. If we don’t recognize the device, we may ask you to answer a Security Challenge question to ensure your identity.
  3. Your Location - If access is being requested from an unusual geographic location, we may ask you to answer one of your Challenge questions before giving you access.

When you are logging in, our Extended Validation Certificate will display as a "green bar" in your browser address bar. You can always enter your credentials with the assurance that if your browser address bar is green, your connection is safe. It is a known and trusted way to verify the authenticity of a website.

Which browsers should I use?

We recommend you use the most current browsers available. While some older browsers may work, the newer versions provide the highest level of security, accuracy and functionality. Click here for System Requirements

What Is Data Encryption?

Data encryption makes your information unreadable as it passes through the internet. We use the latest in encryption technology to ensure your connection from online banking or an app is secure and safe from malicious attacks.

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 Access ID and Password provide one of the most important security features for Online 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 any time, 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. Click here for more information.

Also check out our Fraud page.