iBranch! Digital Banking

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

Manage your accounts online quickly and securely 24/7 from anywhere in the world.

  • If you are an existing iBranch user looking for information about the new iBranch! Digital Banking including how to log in or use new features, click here.
  • Use iBranch! Digital banking to check your account balances, pay bills, transfer funds, and more.
  • Sign up for free iAlerts!* to get real-time text messages or emails about account balances and transactions, including low balance, withdrawals, debit card activity, deposits, balance summary, and more.

* Standard carrier data/text rates apply.

For an overview of the new system and detailed information about all of the exciting new upgrades, please visit our website including our tutorials and user guides. 

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 ibranchMobile! 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/recieve text messages to/from short codes)

For an overview of the new system and detailed information about all of the exciting new upgrades, please visit our website including our tutorials and user guides.

Make payments or transfers quickly and securely online or from your mobile device. To get started, log in to iBranch! 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.
  • Use FCCU Pay person-to-person transfers to pay other people using just their email address or mobile number.
  • Transfer funds easily between your First Commerce accounts and accounts you have at other financial institutions


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FCCU Pay person-to-person transfers are 75 cents each; account-to-account transfers are free for inbound transfers, $2 for outgoing transfers. Same day bill payment is available for select merchants for $17.95. Overnight check payment options are available for $14.95. See available options in BillPay.

Get fast information about your accounts 24 hours a day, 7 days a week with TeliBranch!

  • Call 850.922.7282 or 800.526.4314
  • First-time users will be prompted for their account number and required to enter a PIN. Call 850.488.0035 to learn your PIN.

With iAlerts!, 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 iAlerts!

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

FCCU Debit & Credit cards now live on Apple Pay

Welcome to a new way to pay.

Pay with a single touch

Use Apple Pay™ and your First Commerce debit or credit card to pay the easy, secure and private way at thousands of stores and participating apps. See a complete list of Apple Pay merchants here.

A secure way to pay

Rest easy. Apple Pay transactions are authorized with TouchID™ thumbprint security or your passcode, and transactions never use your card number.

It's a snap to get started

  1. Make sure your iPhone6 or higher, iPad Air 2 or higher, or iPad mini 3 or higher has the latest version of iOS.
  2. Add your FCCU debit or credit card using the Apple Wallet app (Some members will be asked to call First Commerce to complete the card's enrollment)
  3. Use it within apps or hold your device near a contactless reader with your finger on TouchID

Look for one of these symbols at checkout.

look for one of these images at checkout     contactless payment acceptance