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Below you’ll find a link to Frequently Asked Questions (FAQs), rates, and our security news & alerts hub.

Frequently Asked Questions

Frequently Asked Questions

First Commerce’s routing/ABA number is 263182516.
In addition to having ATMs at each of our locations, First Commerce is part of the nationwide surcharge-free MoneyPass® network, which includes some deposit-accepting ATMs. We’re also part of the Publix Presto! Network, which allows surcharge-free withdrawals.
As part of our commitment to be our members’ financial partner for life, First Commerce offers many resources for our members. For information about improving your credit, please visit the Learn section of our website, including Understanding Your Credit Report and our SmartMoney Online workshops. For specific programs, try our free credit score monitoring and management service through Digital Banking called Credit Score powered by SavvyMoney. We also offer a share-secured credit card to help you build or repair your credit. For individual assistance, meet with one of our Financial Service Officers at any of our locations.
Most access issues are a result of forgotten usernames or passwords. Please follow the link to reset your password. Digital Banking
  • Use the “Reset Password” link, which will reset your password for both online and mobile banking.
iAlerts! real-time text/email alerts account
  • Use the “Forgot my password” link on the iAlerts! login page.
  • As a reminder, your username is the account number (if you have more than one account, you’ll have to log in to each account to edit/add alerts).
  • The default password is the last six digits of your Social Security number (no dashes).
First Commerce mortgage account
  • Use the “I Forgot My Password” or “I Forgot My Username” link on the mortgage account login page.
IDT911 identity theft protection account
  • Use the “Forgot Password” or “Forgot Username” link on the IDT911 login page.
If you are unable to resolve the access issue, please contact us and we will be happy to assist you:
  • Email FCCUMemberServices@FirstCommerceCU.org. Messages received after regular business hours will be responded to the next business day.
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.”
  • Call 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m. – 6:30 p.m. ET or Saturday, 9 a.m. – 1 p.m. ET.
  • Visit one of our locations (hours vary as noted).
  • Email FCCUMemberServices@FirstCommerceCU.org. Messages received after regular business hours will be responded to the next business day.
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday – Friday, 9 a.m. – 6:30 p.m. ET or Saturday, 9 a.m. – 1 p.m. ET.)
  • Visit one of our locations (hours vary as noted).
If your debit card isn’t working, it could be for a number of reasons, from suspected fraud to technology glitches. Please contact us and we will be happy to assist you.
  • Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m. – 6:30 p.m. ET or Saturday, 9 a.m. – 1 p.m. ET).
  • Email FCCUMemberServices@FirstCommerceCU.org. Messages received after regular business hours will be responded to the next business day.
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Visit one of our locations (hours vary as noted).
To activate a new debit card, please refer to the sticker on the card you received. Please note you must call from the primary phone number we have on file for the main account holder. You may also call us at 850.488.0035 or 1.800.533.5772 to verify the information we have on file; however, for security reasons, we cannot update your information via phone.
There are several easy ways to check your balance.
  • First Commerce’s electronic services include online banking, mobile banking, mobile deposit, and real-time text/email alerts. To enroll, see the related FAQ above.
    • Once enrolled in mobile banking you can choose to bank by text message where you can text BAL and get an instant balance on all of your accounts.
  • Call Member Account Line, our automated phone system, at 850.922.7282 or 1.800.526.4314.
  • Visit a First Commerce ATM or a surcharge-free ATM including Publix Presto! and our nationwide Accel network. Balance inquiry & withdrawal fees may apply.
  • Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday – Friday, 9 a.m. – 6:30 p.m. ET or Saturday, 9 a.m. – 1 p.m. ET). With this option, a $2 fee applies.
  • Visit one of our locations (hours vary as noted).
If you see a transaction or fee in your account that you are unsure about, please contact us and we will be happy to assist you.
  • Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday – Friday, 9 a.m. – 6:30 p.m. ET or Saturday, 9 a.m. – 1 p.m. ET).
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Visit one of our locations (hours vary as noted).
Once you make a debit card transaction, funds are held for the purchase immediately and can actually clear immediately, but most will clear by the second or third day from purchase. One easy way to track when your transactions are clearing is by signing up for iAlerts!, real-time text and email alerts.
The amount we hold is determined by the merchant with whom you conducted the transaction. Restaurants often preauthorize a hold of 20% over the cost of the meal to leave room for a tip. Hotels take a similar approach, preauthorizing more than the cost of the room to cover incidental expenses. Gas stations often preauthorize $75 or more, not knowing how much you will pump. Once the transaction comes through, any authorization holds are released, regardless of the amount of the charge.
To change your PIN for your First Commerce Mastercard debit card, please call 1.800.757.9848. To add or change a PIN on your FCCU VISA Credit Card, please call 1.877.PHONPIN (746.6746). To change your PIN on your First Commerce Mastercard Prepaid Card, please call 1.800.416.6373.
There are several convenient ways to stop a check. Fees may apply, although there is never a charge for stolen checks.
  • Log in to online banking and click on the account used, select “stop payments,” and indicate the check number or range of check numbers.
  • Visit one of our locations (hours vary as noted).
If you are planning to travel, please notify us to help ensure your First Commerce debit or credit card will work while you’re gone.
  • Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday – Friday, 9 a.m. – 6:30 p.m. ET or Saturday, 9 a.m. – 1 p.m. ET).
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Visit one of our locations (hours vary as noted).
It is important to keep your contact information up to date so we can contact you if we suspect fraud or need to communicate other important information to you about your account(s). You may view and change your contact information in iBranch! online banking under “settings” and then “profile,” or by visiting one of our locations. You may also call us at 850.488.0035 or 1.800.533.5772 to verify the information we have on file; however, for security reasons, we cannot update your information via phone.
It’s important to report fraudulent account activity or identity theft right away. To report fraud on your account, log in to Digital Banking and send us a secure message, email us at Help@FirstCommerceCU.org, or call us at  850.488.0035 or 1.800.533.5772. For more information, visit our Fraud and Security page.
To report your First Commerce Mastercard debit card lost or stolen, call 1.800.417.8715. To report your FCCU VISA Credit Card lost or stolen, call 1.800.682.6075, visiting www.ReportMyCards.com. For more information and guidance, please visit our Fraud and Security page.
To report lost or stolen checks, log in to Digital Banking and click on services, select “stop payments,” and indicate the range of check numbers, or call 850.488.0035 or 1.800.533.5772. To stop payment on any outstanding checks that you are unsure of, contact First Commerce by calling our Contact Center (850.922.7282 or 1.800.526.4314). Cancel your checking and savings accounts and obtain new account numbers. If your own checks are rejected when you try to use them, contact the merchant’s check verification company. If you are a victim of identity theft, get guidance from our partner, IDT911. To stop payment on a check, see above FAQ for information.
  • If you open your First Commerce account online, you will be asked a series of security questions to verify your identity.
  • To open a First Commerce account in one of our financial centers, please bring your official photo ID (i.e., driver’s license, passport, or military or other government-issued ID card) and Social Security card.
  • Sammy Squirrel Kids Club accounts must be opened in one of our financial centers. Please bring your child’s birth certificate (original or certified copy) and Social Security card.
If you made it far enough into the application to enter an email address, you should have received an email from us with an application number and link. This link and number will allow you to complete the same application you started. If you did not give us your email address or did not receive the reminder email, please start a new application.
Enroll in Direct Deposit to have your paycheck automatically deposited into your account on your payday. Simply complete this Direct Deposit Authorization form or one provided by your employer or the source of the funds and return it to their Accounting department today! If you are unsure whether certain funds can be direct deposited, check with a Financial Services Officer at one of our locations or call us at 850.488.0035 or 1.800.533.5772. When your direct deposit will start depends on your employer or the source of the direct deposit, but typically after the request is turned in, you will receive one more check or direct deposit into your old account and then your direct deposit into your First Commerce account will begin.
If you know the extension of the person you’re trying to reach, you can call our main numbers 850.488.0035 or 1.800.533.5772 and enter it. If you don’t have a direct number or extension for a First Commerce team member, all calls are routed through our main Contact Center phone numbers: 850.488.0035 or 1.800.533.5772. If you know the first and last name of the person you’re trying to reach you may also use the “dial by name” feature when calling the phone numbers listed above. Our Business Services team can be reached at 850.410.3559.
Send a secure message through online banking or the mobile app by selecting “Messages” in the menu and clicking “Create a Message.” A team member will follow up within one business day to assist you.

Ways to Contact Us

For specific account-related issues or questions, please log in to online banking to send us a secure message. For general questions, please email FCCUMemberServices@FirstCommerceCU.org. You can also try our automated digital assistant. Send a text message to 850.617.1614 and our digital assistant will respond right away. Get answers to simple questions about products and services, as well as digital banking features, hours, locations, and more.

Call our Contact Center at 850.488.0035 or 1.800.533.5772 to speak with a Member Services Representative or check your account. Representatives are available 7:30 a.m. to 6:30 p.m. (EST) Monday through Friday and 9 a.m. to 1 p.m. (EST) Saturday.

Stop by one of our locations in Tallahassee or Marianna, Florida, or Adel, Nashville, Ray City, Thomasville, or Valdosta, Georgia. For added convenience, you may schedule an appointment online using First in Line to meet with a team member in person or by phone on a day and time that works best for you.

Our mailing address is: First Commerce CU P.O. Box 6416 Tallahassee, FL 32314

Our fax number is: 850.922.4697
Member Testimonial

Member Testimonial

“I want to express my gratitude for one of your Loan Officers. He kept me updated each day, returned all my phone calls promptly, along with email questions. This young man went above and beyond all my expectations for customer service, and for that I will do all of my future banking with FCCU.”

Becoming a Member Is Easy!

Open an account online with $5, plus a minimum opening deposit based on the type of account you open. You may also visit any of our locations or call us.

Discover More Possibilities

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Auto Loans

Auto Loans

Find out why First Commerce has consistently ranked as the premier lender for auto loans in North Florida and South Georgia!

Member Account Line

Member Account Line

Use our convenient bank by phone service to check account balances, transfer funds, and more.

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Auto Loans

Auto Loans

Find out why First Commerce has consistently ranked as the premier lender for auto loans in North Florida and South Georgia!

Member Account Line

Member Account Line

Use our convenient bank by phone service to check account balances, transfer funds, and more.