Banking | Internet Banking | Bill Pay | Internet Security

FAQ's - Banking

Q: What is First Commercial Bank's ABA routing number?
A: First Commercial Bank's routing number is 103003687.

Q: Are my deposit accounts FDIC insured?
A: Yes! Each customer is insured by the FDIC up to $250,000. Ask us how to qualify for more than the basic coverage. FCB also offers other options which can insure your deposits up to $50 million.

Q: How do I set up Direct Deposit of my payroll check?
A: Once your checking account has been opened, you will receive our routing number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company and your direct deposit will usually begin within thirty days.

Q: How do I set up Direct Deposit of my Social Security check?
A: Once your checking account has been opened, you will receive our routing number and your account number. Simply provide this information to the local Social Security Administration office to complete your Direct Deposit request.

Q: Can I get information about my account by phone?
A: Yes! Automated account information is available 24 hours a day, 7 days a week at 1.888.230.3630.

Q: How frequently is my information updated?
A: Your account information is updated several times daily.

Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

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FAQ's - Internet Banking

Q: What can I do with Internet Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more.

Q: How current is my banking information?
A: Your account information is updated several times daily.

Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. You may also choose to view your account from the current date to same date of the previous month.

Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?
A: Internet Banking supports downloads as a .csv file.

Q: How long can I be inactive before being logged out of the Internet Banking product?
A: For enhanced security, the inactivity time out default is set for 10 minutes.  You may change the time out default under User Options.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or America Online®. You can use any computer that has Internet access.

Q: How do I access Internet Banking?
A: You must first complete the Internet Banking registration form and submit it to us. Once your registration is received we will process your request. You will create a password to access the service for the first time. You must have an existing checking, savings or loan account before banking online with FCB.

Q: Can I create my own password that is easy for me to remember?
A: Yes, after you use your password to log-in for the first time, you can go to User Options and change your password.

Q: What happens if I forget or lose my password?
A: Click on the "Forgot your password?" link on the sign-on screen. Challenge question(s) will be displayed for you to answer. If the answer(s) match those in the database, you will be prompted to change your password. If after several attempts the answer(s) do not match those in the database, you will be locked out and should call First Commercial Bank for further assistance.

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FAQ's - Bill Pay

Q: How much does bill pay cost?
A: The Bank offers the benefits and convenience of the Internet Banking Service to you free. If you choose to sign up for First Commercial Bank’s Bill Pay and Presentment Service, fees will be assessed based on the checking account type.

Free Personal Checking Accounts - $0.75 per bill pay item.
Interest Bearing Personal Checking Accounts – First 15 bill pay items per month at no charge, $0.75 each thereafter.
Business Checking Accounts - $4.95 per month with 6 payments per month and additional payments at $0.55 each.

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: How do I register for online bill payment?
A: Bill Payment registration is easy!  When you initially register for Internet Banking, you will be asked if you would like to sign up for online bill payment. At this point, you may choose to have online bill payment. If you opted out of bill payment upon first registering for Internet Banking, you may fill out a separate bill payment form in the online banking platform.

Q: When I add a new payee to my bill payment payee how quickly will the change take place?
A: When you update the information for the bill payment payee, the changes are implemented virtually instantaneously.

Q: Can I use online bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.

Q: When can I start using online bill payment?
A: You can begin bill payment once you have received your account activation email and have set up a funding account.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States.

Q: Is there a limit to the number of bill payment accounts I can set-up?
A: Yes, you are limited to one bill payment account.

Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States who can accept a check can be paid using the bill payment system. You can pay practically anyone - charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court-directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited - as a lump sum or separately?
A: Each bill payment is debited separately.

Q: What if I do not have sufficient funds on the day the debit hits my account?
A: A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. You will receive an email notification with further details. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. See bill pay disclosure for full details.

Q: How is my account debited?
A: Your account is debited via ACH.

Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the inter-bank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee. If you select an electronic payee with the address that matches that indicated on the payment coupon, and the payment is routed incorrectly, then we will take responsibility for the late fee.

Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the cut-off time on the process date. Payments that have been remitted electronically cannot be stopped.

FAQ's - Internet Security

First Commercial Bank has several effective security techniques that we encourage you to implement when you use FCB eBanking:

  • Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
  • Change your password on a regular basis.
  • Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
  • Change your session timeout in User Options to a time that meets your needs.
  • Balance your account on a regular basis. Internet Banking makes it easy!

For further information on protecting your privacy, visit the security microsuite.

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