Cardless ATMs
No debit card needed to access your account!
With our new Cardless ATMs, you can access your First Commerce account whether you have a debit card or not. This new technology offers an easier and faster experience, allowing you to complete any transaction as you would in Digital Banking, such as: • Making an FCCU loan or credit card payment with check or cash, or transferring funds from your FCCU accounts • Depositing checks and/or cash, with a larger capacity to better serve our business and personal members with multiple items • Withdrawing cash • Transferring funds between FCCU accounts • Inquiring about balances for any FCCU account – Checking, Savings, Loans • Printing a mini-statement receipt showing your last 5 or 10 transactions on an account
Cardless ATM FAQ
Cardless ATM FAQ
- Touch the screen to get started. Be sure to have your cell phone with you.
- Enter your cell phone number on the keypad. This number must be on file with FCCU and associated with your account(s) and/or loan(s).
- Enter your Social Security number. Again, this must match the information on file and associated with your FCCU account(s) and/or loan(s).
- A one-time Secure Access Code will be sent by text to the cell phone you entered, as long as the number you entered is on file with your account(s) and/or loan(s). Remember never to share Secure Access Codes with anyone!
- Enter the Secure Access Code sent to your cell phone on the screen keypad to access your account(s) and/or loan(s). To view balances of each at a glance on the initial home screen, press the button at the bottom of the screen.
- Please note: If you do not receive a code, most likely your contact information on file is not current or complete, or may need a correction. On most Cardless ATMs, you can press the “Help” button to access a video teller during our extended hours and verify your identity by providing a valid government-issued photo ID before providing updates to your contact information. Extended hours for video teller service are Monday-Friday 7:30 a.m.-6:30 p.m. and Saturday 9 a.m.-1 p.m.
- You may also update your contact information on the spot in digital banking by logging in through the app or a web browser. From the digital banking menu, go to “Services” and then “Manage Contact Info.” Don’t have FCCU Digital Banking? For more free convenient 24/7 access, enroll today by downloading the First Commerce Mobile app or visiting FirstCommerceCU.org and then “Digital Banking Login” at the top of the page.
- You may also visit one of our 13 financial centers during business hours and one of our team members will be happy to assist you after verifying your identity with a valid government-issued photo ID.
- For security reasons, updates to your account information through our Contact Center require identify verification, including electronically signing a form sent through Docusign. Contact Center team members are available Monday-Friday 8:00 a.m.- 6:30 p.m. ET or Saturday 9:00 a.m.- 1:00 p.m. ET.
How to Use:
To use the Cardless ATM without a debit card, follow these simple steps:1) Touch the screen to get started. Be sure to have your cell phone with you. 2) Enter your cell phone number on the screen keypad. This number must be on file with FCCU and associated with your account(s) and/or loan(s). 3) A one-time Secure Access Code will be sent by text to the cell phone number you entered, as long as the number you entered is on file with your account(s) and/or loan(s). Remember never to share Secure Access Codes with anyone! 4) Enter the Secure Access Code sent to your cell phone on the screen keypad to access your account(s) and/or loan(s).
Locations of Cardless ATMs
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Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Credit Score Powered by SavvyMoney
Monitor your credit score for free through Digital Banking and learn how to build your score or maintain an already great score.
Visa Credit Cards
Choose our low-interest Visa card, or earn points with our Rewards Visa card to use toward travel, gift cards, cash, and more.
Who We Are
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
