Online Banking /
Business Direct Access

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Online Banking

FAQ’s

Here are some helpful answers to the most frequently asked questions about Online Banking. Please select from the categories below. If you can’t find an answer to your question, please click on “Contact Us”

Online Banking FAQ’s

What is Online Banking?
Online Banking is a convenient, safe and secure way to conduct most of your everyday banking transactions via an internet connection.
How much does Online Banking cost?
Online Banking is a FREE service.
Which type of accounts can I access using Online Banking?
You can review your checking, savings, CD’s, IRA’s, and loan accounts that you are a signer on. In addition, you can review transaction history and transfer funds between any of your checking or savings accounts that you are a signer on.
How do I sign up for Online Banking?
Customers with accounts at FCB location may sign up for Online Banking by completing the online banking application, or by coming into any FCB location. For more information, please contact us. A Customer Service Representative will respond to your issue promptly.
What should I do if I forget my password?
For security reasons, a password list is not maintained. If you forget your password, simply call us at 866-323-4322 and ask to speak with one of our customer service representatives. Once you have been successfully identified, we will provide you with a one-time password. This assigned password is good until your next log-on attempt, at which time you will be required to change your password.
How late in the day can I make a transfer for it post today?
While you can create transfer requests any time, only transfers received prior to 3:00 p.m. will post on the current business day. All transfers created after 3:00 p.m., on weekends, or holidays will post on the next business day.
Can I stop or modify my request to transfer funds?
Express Transfers cannot be stopped or modified after submiting the transfer request. Future dated scheduled transfers can be modified prior to 3:00 p.m. on the business day that the transfer is scheduled to occur.
Are there limits to the number of transfers I can make?
Some accounts, such as checking accounts, have no limits as to the number of transfers you can make. However, many Money Market and Savings accounts, by Federal Regulation, are allowed no more than six (6) pre-authorized withdrawals or transfers per month. If you are unsure please check with a customer service representative.
When do my recurring transfers post to my accounts?
Recurring transfers will post to your accounts the same day as the next transfer date unless the next transfer date falls on a weekend or holiday. In this case, your transfer will post on the next business day.
What is an “alpha-numeric, case sensitive” password?
“Alpha-numeric” refers to the fact that both numbers and letters are used. “Case-sensitive” means that both upper and lower case letters are used.
Can I download my account history into my financial management software?
Yes, account history can be downloaded into all versions of Quickbooks, Quicken, Microsoft Money, and a CSV file.
Can I download my account activity from the past year?
While you can only download account statements for up to one year, you only have access to download account history into financial management software for up to 60 days.
When will advances, payments, or transfers made through Online Banking be credit or debited from my account?
Most financial transactions (account transfers, advances, and payments) requested before 3:00 p.m. CST are processed immediately on the business day that they are requested. Transactions requested after 3:00 p.m. CST, on weekends and holidays will be processed on the next business day.
Online Banking Technical Questions
What system requirements will I need?
To access Online Banking, you will need a computer with Internet access and an Internet browser with 128-bit encryption such as Internet Explorer 5.5, Version SP1 or greater. Please note you may experience problems using Online Banking with on a Macintosh system. For optimal viewing, a monitor resolution of 800x600 and a 486 processor or higher is suggested.
Whom do I call if I'm having problems logging on to Online Banking?
If you are having problems logging on to Online Banking such as your password doesn't work or the Online Banking links are not working properly, contact us by e-mail or call 866-323-4322 for assistance. If you are having problems with your browser, Internet connection, or other technical problems with your computer, you will need to contact the appropriate provider or supplier. The Online Banking Department is unable to provide technical support for computer or browser-related problems.
When I change my Access ID or Password, I get a message that says it has already been selected/chosen. What does this mean? For added security, all Access IDs and Passwords must be unique. This means no two Online Banking users can have the same access codes. If you receive this message, simply try another combination of numbers and/or letters and symbols. (For your protection, your Access ID and Password must be 8 to 32 characters and can include both numbers and letters. Also note that the fields are case sensitive).
What software is required to view my Image Statement online? To view your statement online, you must have Adobe Acrobat Reader, version 4.0 or higher, installed on you pc.
Why do I sometimes receive errors when I use my back and forward buttons in my browser?
Due to security requirements, there are some instances where we prevent pages from being saved to your computer's hard drive or kept in your computer's memory. In these cases, you will receive a browser error message that asks you to "re-post" or "reload" the page. If you are using Netscape, simply click the browser's Reload button and you will receive the last page you visited. If you are using Internet Explorer, simply click the browser's Refresh button.

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