Digital Banking

You have the power to take charge of your money anytime, anywhere! Digital Banking offers a variety of services to help you manage your money whenever and wherever it's most convenient for you.

Use our app to check balances, transfer funds, pay bills and make deposits securely right from your phone or tablet. It's like having a First Commerce financial center right at your fingertips!

  • Download the free First Commerce Digital Banking app for Android or iPhone 
  • 3 options include:
    • Downloadable app (available on most current, up-to-date Android or iPhone smart phones)
    • Browser version (available on any phone capable of accessing the internet)
    • SMS text (send/receive text messages for account info - must be able to send/receive text messages to/from short codes)

For an overview of the system and detailed information about all of the exciting upgrades, please visit our short video tutorials, searchable user guides and Frequently Asked Questions.

Make payments or transfers quickly and securely online or from your mobile device. To get started, log in to Digital Banking.

  • Use Bill Pay to set up recurring payments or reminders, view or edit pending bill payments, and make payments as quickly as the next day.
  • Transfer funds easily between your First Commerce accounts and accounts you have at other financial institutions by adding an external account in Digital Banking under Services

First Commerce offers a convenient bank by phone service, called Member Account Line. You can reach this service by calling 850.488.0035 and selecting option 2.

Download the Member Account Line Call Flow Diagram

Here are a few highlights of the service:

  • The system provides English and Spanish-speaking options.
  • Excellent voice recognition technology on the English menu will be available using 8* from the main menu. We recommend not using this feature on speaker phone.
  • You can request mini statements to be emailed to you. For security, the information may be truncated or generic. Mini statements will be sent to the main member’s email address. If you wish to add or change your email, you can do so via digital banking or by visiting a financial center.
  • Future dated transfers can be scheduled as a one-time transaction or recurring.

Alternatively, to speak with a representative you can call our Contact Center at 850.488.0035 or 1.800.533.5772. Representatives are available 9 a.m. to 6:30 p.m. Monday-Friday and 9 a.m. to 1 p.m. Saturday.

With Real Time Text and Email Alerts, you have the power to know what’s happening with your accounts right away. First Commerce offers real time text message* and/or email alerts that let you stay on top of your accounts like never before. Choose from several different alerts including low balance alerts, debit card alerts, deposit alerts, and more! As soon as the transaction hits your account, you'll be notified.

Click to Sign Up or Edit Alerts!

*Standard text message rates apply. Check with your service provider for more information.

Apple Pay

To add your First Commerce card to Apple Pay, go to Settings on your iPhone and open the Wallet option. Tap the “+“, or “Add Card” option and follow the steps. When prompted, make your First Commerce card your default card for Apple Pay.

Google Pay

Open the Google Pay app on your Android device to add your First Commerce card. At the bottom, tap Payment, then “+“, select credit or debit card and follow the steps. Use your First Commerce card every day in Google Pay – just select the card and tap Make Default. Some members will be asked to call First Commerce to complete the card’s enrollment.

FCCU continues to offer links to Quicken and QuickBooks. Please contact First Commerce if you need assistance setting up Direct Connect.