Digital Banking FAQs

Frequently Asked Questions about Digital Banking

Getting Started

  • Once you have an open account with FCCU, you may enroll in online banking via the Enrollment Page or directly from the First Commerce iBranch Mobile! App once you have downloaded it from the App Store.
  • To enroll a Business account, visit the Enrollment Page and select the "Enroll my Business" link at the bottom of the page
  • Members can enroll and use digital banking with iOS and Android devices (smartphones or tablets) by downloading the free First Commerce Digital Banking app for Android or iPhone.
  • Web browsers can be utilized on desktop and mobile devices
    • Digital Banking is supported on the following browsers: Google Chrome, Mozilla Firefox, Microsoft Edge & Apple Safari. The current and previous two browser versions are supported.
      • Internet Explorer is NOT supported.
    • We recommend updating your browser to the latest version available — not just to ensure compatibility with the digital banking experience, but also to ensure anything you do online is as secure as possible.
  • Your digital banking login will give you access to all accounts your Social Security Number is associated with (Primary or Joint).
  • If you have forgotten your password, on the login page, click the “forgot password” link.
  • For security purposes, digital banking accounts become inactive when you haven’t logged in for 6 months. Once inactive, the member must re-enroll in digital banking.
  • Check your internet connection. The FCCU mobile app utilizes real-time data to give you accurate and up-to-date account information. Weak or no internet connections will limit app functionality.
  • Check your device’s app store to ensure you are on the latest version of the mobile app and update if needed.
  • As a last resort, please delete the app, uninstall it, turn off your phone, restart your phone, and reinstall the app. This sometimes helps clear the problem.
  • If you are still experiencing issues with a stable internet connection and the latest up-to-date version of the app, please contact us for assistance.

Mobile Deposit

  • In the mobile app, from the menu, select mobile deposit. Follow the instructions including selecting the account for the deposit, entering the amount of the check, and taking a clear photo of the front and back of the check. (If you have any trouble with the photos being accepted, sometimes taking it on a dark background can help.)
  • Mobile deposit can only be found in the mobile app. If you are utilizing a browser, please download the mobile app to utilize mobile deposit. 
  • For security reasons, mobile deposit is only available for members that have had an account open for 30 days and meet certain criteria
    • Average balance of $300
    • Account has been open for 30 days (90 days for business accounts)
    • Account has to be active
  • Deposits made by 4 p.m. ET are generally available the next business day.
  • To view a check's status, at the top of the mobile deposit page, select mobile deposit history.

Viewing Accounts and Statements

  • Once enrolled in eStatements, you will begin to access future statements and documents in Digital Banking. eStatements will expire after 2 years. To enroll, contact us.
    • Once you have logged in to digital banking, from the home page with your accounts listed, click on the account tile you would like to view.
    • Click the "Details" tab 
    • At the bottom of the Details box, there is a link to “Click for statements & tax forms"
    • For security purposes, you will only see the link for accounts where you are the primary member.

Security & Alerts

  • The option to receive a secure access code are based on the contact information we have on file for the primary member on the account. If that information is incorrect or incomplete, you may have limited or no options to receive your code and complete the login process. Please call us at 850.488.0035 or 1.800.533.5772 for help with digital banking. Representatives are available 7:30 a.m. to 6:30 p.m. ET Monday-Friday and 9 a.m. to 1 p.m. ET Saturday.
  • If you received your Secure Access Code and haven’t used it within 20 minutes, it has automatically expired. If you have been having trouble logging in and have requested more than one Secure Access Code, the code you’re using might not be the most recent one issued. Please wait a few minutes and request a new access code and use that one right away.
  • Register a personal device to avoid needing a Secure Access Code to log in. For security reasons, we only recommend registering devices that are not shared or public.
  • If Secure Access Codes are still requested after registering your device, please check your browser settings to be sure they aren’t set to clear cookies after each session.
  • To enroll in real-time text or email account alerts in digital banking, from the main menu, go to Alerts > iAlerts. From the same menu, security alerts are also available for set up.
  • If you are not a digital banking user, you may still register by visiting the iAlerts! enrollment page

Linking & Managing External Accounts

  • Linked accounts allow you to view balances of your accounts at other Financial Institutions. For set up, you will need a digital banking login from the institution you wish to link.
  • External Accounts allow you to make transfers to and from other Financial Institutions. To set up external transfers, you will need an account and routing number.
  • In digital banking, Settings > Account Preferences > Select Account & Delete
  • For Security purposes, please contact us to remove External Accounts

Bill Pay

  • Log in to your digital banking account from the home page or from your mobile device, log in to the app.
  • From the menu on the left, select Bill Pay 
  • Select account to use for bill payments then click Enroll button.
  • To add a new bill, click the + Add a Payee button and fill out the form
  • Yes, to set up additional accounts to pay from, please contact us
  • Under name of payee, click Edit payee.
  • To Rename: Click in the Payee nickname field to add a nickname of your choice.
  • To Delete: check the box named ‘I would like to delete this payee,’ then hit submit. Before deleting the payee, please delete all pending transactions for a payee.
  • For questions, please call Bill Pay directly at 1.888.819.5498
  • To chat with a BillPay representative:
    • From the menu on the left, select Transactions.
    • Click on Bill Payment.
    • At the top of the page, click Chat Now.


  • Credit Score is only available to members after the account is open for more than 30 days.
  • FCCU will provide the service by request prior to the account being opened 30 days; please contact us to enroll.
  • From the menu under Transactions, navigate to Digital Activity Center
  • At the top of the Digital Activity Center page, click ‘Recurring Transfers’
  • Scroll to the transfer you wish to edit and select ‘Cancel Series’ from the Actions drop down
  • Once the series is cancelled, under Transactions, return to the Funds Transfer page
  • Set up new transfer and mark it recurring
  • Business Premium members’ digital banking features include payroll, tax payments, multiple user control, and other premium features. To learn more, please contact our Business Services team today at 

Additional Assistance

  • Short tutorial videos: Visit our full video library detailing some of the many features of our Digital Banking
  • By calling us at 850.488.0035 or 1.800.533.5772. Representatives are available 7:30 a.m. to 6:30 p.m. ET Monday-Friday and 9 a.m. to 1 p.m. ET Saturday.
  • By visiting one of our 15 locations (hours vary; please check our website for details).