Access your mortgage account online here.

Visit our Digital Banking page for Digital Banking help.

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 Penny, our new AI virtual assistant, any time 24/7 at 850.488.0035 or 1.800.533.5772. She can answer general questions about your account.
• 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, 8 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, 8 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, 8 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 Digital Banking under “Service” and then “Manage Your Account Info”.You can also visiting one of our 13 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.

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 Member Account Line (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, Sontiq.To stop payment on a check, see above FAQ for information.

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.

EasySwitch makes setting up your direct deposit easy! Log in or enroll in digital banking at FirstCommerceCU.org1. Click on EasySWITCH in digital banking2. Search for your employer, Social Security Administration, or other direct deposit provider3. Submit the SwitchSteps to switching your recurring payments:1. Click on EasySWITCH in digital banking2. Select Switch Recurring Payments3. Choose Switch Assist or manually enter recurring payment details to find the organization you currently send payments toIf you have any issues, visit 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.

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.