FAQs

Visit FirstCommunityBank.com and click the login button.

Existing Users: You log in using the same Username and Password that you use today. If you do not know your Username or Password, please contact Customer Care at (800) 971-4671. 

New Users: Click "Enroll" and follow the instructions. For help enrolling, please contact Customer Care at (800) 971-4671.

Once you log in, you will be prompted to set up Two-Factor Authentication. This step will ask for a phone number used to validate future login attempts. 

Finally, you will be prompted to receive a one-time verification code by either: text message or an automated phone call to the phone number you just entered, or by using the Authenticator Mobile App.

After you have completed Two-Factor Authentication, if you have issues logging in, click "Forgot Password" to help regain your access.

1. Download from either the Apple Store or Google Play Store, search for the Xpress by FCB app and look for our logo. 

2. Existing Users: You log in using the same Username and Password that you use in Online Banking today. If you do not know your Username or Password, please contact customer Care at (800) 971-4671. 

3. New Users: Click "Enroll" and follow the instructions. For help enrolling, please contact Customer Care at (800) 971-4671.

4. Once you log in, you will be prompted to set up Two-Factor Authentication. This step will ask for a phone number used to validate future login attempts. 

5. Finally, you will be prompted to receive a one-time verification code by either: text message or an automated phone call to the phone number you just entered, or by using the Authenticator Mobile App. After you have completed Two-Factor Authentication, if you have issues logging in, click "Forgot Password" to help regain your access.

Online Banking is available for Business Checking customers, with expanded features to accommodate customers with ACH generation for payroll or Online Wire Cash Management services. If you have additional questions or want to learn more about what we can do to help your business, please call us at (855) 529-7945 or email us at [email protected]. Business Checking customers who use ACH generation or Online Wire from Commercial Services will still need their Token code as they do today but will only be prompted for this code upon entering the Cash Management menu option after login.

Once you have verified your Token and are in the Cash Management Section, you can return to Online Banking by "clicking the Dashboard," menu option. The Token code  authentication is different than the Two-Factor Authentication (2FA) necessary to complete Online Banking login.

Inside Online Banking and the Xpress by FCB app we have included MyFinance, a free, full service financial product, that goes way beyond typical budgeting tool. MyFinance has a simple to use budgeting component, but is packed with so much more:  All of your First Community Bank accounts and activities are available inside MyFinance. What makes MyFinance so powerful is you can easily add Accounts, Loans, and even Retirement Accounts from most financial institutions and Brokerages. Customizable budgeting allows you to track spending for all linked accounts, based on transaction type, and you can easily stay informed on your progress with alerts tied to specific budgets. A calendar-based, cash-flow process allows you to look back or plan head to follow all of your bills and income in the same place. Set goals built around your specifics. Saving for a new car or that dream home, or paying of a credit card or student loans? With the ability to use a premade template or building a custom goal from scratch, MyFinance has you covered. View your net worth or its track your progress over time. The more linked accounts you have in MyFinance, you get a better approximation of your net worth. Clean and simple charts and graphs are created to keep you informed at a glance. With MyFinance being built into both Online Banking and our Xpress by FCB app, enrolled customers can check it out today. MyFinance is the same application in both Online Banking and the Xpress by FCB app, meaning all linked accounts, budgets, and goals are the same, regardless of how you access MyFinance. To view MyFinance inside the Xpress by FCB app: after you log in, choose "MyFinance" in the vertical menu at the top left. To view MyFinance inside Online Banking [AKA Browser-based Banking]: after you log in, click "Accounts" and chose any of your linked accounts, after the account details load, you click on the button labeled "MyFinance" to launch the budgeting tool.

You will get personalized Alerts with granular control over notifications in both Online Banking and the Xpress by FCB mobile app, allowing you to customize the specifics on your alerts.

We offer Mobile Deposit* and it’s easy to enroll. Personal Checking account customers can enroll by clicking Deposit Checks in the main menu of the Xpress by FCB mobile app to begin the registration process. Once your registration is approved, you can submit Mobile Deposits** using the Xpress by FCB Mobile app only. You may view Mobile Deposits history for the enrolled account inside Online Banking, but Mobile Deposit exists inside the Xpress by FCB mobile app. Business Checking account customers may contact your local branch or First Community Bank's Commercial Services team, at (855) 529-7945 or by email at [email protected] to begin the registration process for Mobile Deposit.  

*Subject to requirements. 
**Items presented for Mobile Deposits must be endorsed "for mobile deposit only at First Community Bank"

After initial login is complete and Two-Factor Authentication (2FA) is set up in the upgrade, you can turn on Face ID or thumbprint verification for login.

You can enroll in Online or Mobile banking, by clicking this link or by clicking enroll on FirstCommunityBank.com or our mobile app, Xpress by FCB.

Online Banking and Xpress by FCB share the same secure technology platform, and you login with your Username and Password. After you have completed Two-Factor Authentication, if you have issues logging in, click "Forgot Password", to help regain your access. If you have not completed Two-Factor Authentication, please contact Client Care at (800) 971-4671.

You can pay your monthly bills to a company or send personal payments or gifts. To pay a bill, click "Bill Pay". "Select Payees" to set up new or view existing payees.

On mobile bill payments, click "Pay". "Select Payees" to set up new or view existing payees.

You may also set up a Payee by selecting the shortcut “Pay” tile on the Dashboard and following instructions from there.

You can enroll or view your eStatements by clicking any individual account from the dashboard and in the following menu "select e-Documents".

The menu and general layout of the Dashboard is built to focus on your accounts first, but you have the ability to create it to fit your needs best. You can even include non-First Community Bank accounts. To modify your account view, click on the three-dot menu "(…)" in the upper-left corner of the Account section on the Dashboard or on the Accounts page available from the menu. You may also modify the order, size, and visibility of most other topics on the Dashboard. To change the order and visibility of topics, click on the three-dot menu "(…)" in the upper-right corner of that topic and choose "Organize Dashboard". There is also an "Organize Dashboard" button at the bottom of the Dashboard that will allow you to drag and drop topics to determine their locations. All visible topics will be represented on this menu. To add hidden topics, click the “+ Add a card” and click the "X" to the right of the card to change the visibility of that topic to hidden. To change the size of the topic, click the three-dot menu "(…) in the upper-right of the topic and change the card size, if it may be edited. Not all topics offer different sizes. Online Banking and Xpress by FCB dashboards do not share exactly the same design, meaning you can create a different layout for each.

We support iPhone and iPad devices running iOS version 11 or higher, and Android phones and tablets with version 5.0 or higher. Mobile Banking also requires internet access.

Two-Factor Authentication (2FA) is a security feature that helps safeguard your account information where users provide two distinct forms of identification. To implement 2FA, you will need to enroll a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code: text message or automated phone call to the phone number you just entered, or by using the Authenticator Mobile App. After you enter your verification code, you have the ability to not use a code again for the computer you are logging in by selecting “Don’t ask for code again on this computer.” If you choose this option, you will not be prompted to enter a verification code during each login on this computer. Do not select this option on a shared or public computer.

Card Management is a feature integrated into the upgraded Mobile App that allows you to take control of your Debit Card. Shopping and lose your card? You can disable the card until you find it! It’s perfect for vacation! You can access Card Management via the Xpress by FCB mobile app, which gives you access to the entire feature set. Card Management is also available inside Online Banking with limited functionality. In the Card Management section, you choose what First Community Bank debit cards to activate and enroll in Card Management Alerts.

We recommend updating to the most current version of Google Chrome, Apple Safari (on Apple devices only), Microsoft Edge, or Firefox. Note: Microsoft’s Internet Explorer is not a supported browser!

If your account has insufficient funds to cover ATM or debit card transactions, we will decline those transactions unless you have asked us to pay those transactions by opting into our Extended Overdraft Privilege program for each account. We will not pay overdrafts for the following types of transactions unless you opt into our Extended Overdraft Privilege program: ATM transactions, Everyday debit card transactions. To enroll in Extended Overdraft Privilege, contact your local branch.

Yes. We offer several ways to help you avoid insufficient funds and overdraft fees:

• Download the Xpress by FCB mobile app: With our app, you can set low balance alerts to let you know when your account balance is getting low.
• Enroll in Overdraft Protection: If you have another account at First Community Bank, you can set up an automatic sweep to cover your overdrafts with the money you have in other accounts. 
• You may opt out: You can avoid the $16 fee for paid transactions by opting out of Overdraft Privilege. By opting out, you advise us to decline any transaction that tries to post against an insufficient funds balance. You will still be charged $16* for each transaction that is declined and returned, up to the daily limit. You can opt out at any time by contacting your local branch. 
  *The fee for returned transactions is $16.
• Get MyFinance: When you enroll in online banking, you get access to our free budgeting tool to help you build and manage your budget to avoid insufficient funds.
• Community Connect Retail Checking does not offer Overdraft Privilege. If you attempt to make purchases with insufficient funds in the account to cover the purchases, the transaction(s) will be declined.

• We will charge you a fee of up to $16 each time we pay an overdraft 
• We will not charge you a fee if your account is overdrawn by $5 or less on any given day
• There is a limit of $228 per day on the total fees we can charge you for overdrawing your account

Overdraft Protection services are designed to help prevent overdrafts triggered by all types of transactions. Once you've selected the coverage that is right for you, we'll watch your checking account balance, and if it gets too low, we'll automatically transfer funds, from one of your other First Community Bank Accounts.

Low-Balance Alerts: Low-Balance Alerts serve as a gentle reminder to keep watch on your bottom line at the cash register or checkout cart online. They’re simple to set and easy to get, BEFORE your account gets into the red, and nobody has to know, but you!

• Log in to your Xpress by FCB mobile app and select the account in which you wish to set the alert. In the next window, you’ll see Account Details at the top. Inside your Dashboard menu, select Alert Preferences by tapping. The first menu that appears next will be one that reads Balance alerts, followed by an option to +Add Alert.
• To set a Low-Balance Alert, tap that +Add Alert option.
• When a pop-up window appears, you’ll have the option of being notified when your balance reaches a total either above or below a certain number.
• Select the total at which you’d like to be notified by:
  • Email
  • Text
  • In-app message
• Once all of your information is correct, tap on Add Alert at the bottom of this window, and your Low-Balance Alert should be saved, along with your peace of mind.

Yes. Personal accounts may qualify for a $700 Overdraft Privilege limit and business accounts may qualify for $1,250 Overdraft Privilege limits.

Insufficient funds means there is not enough available money in your checking or savings account to cover a transaction.

When there are insufficient funds in your account, your transactions will be either returned or paid. A returned transaction means we declined the transaction. A paid transaction means we processed the transaction anyway.

We pay overdrafts at our discretion, which means we do not guarantee that we will always pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Normally, we automatically enroll each account in our Overdraft Privilege program, which pays overdrafts, subject to the limits identified on our Overdraft Privilege page, for the following types of transactions -  

• Checks and other transactions made using your checking account number
• Automatic bill payments