Online Banking Frequently Asked Questions
What is Internet Banking?
“ONLINE” Internet Banking is a convenient
way to access your accounts at First Community Bank from the
comforts of your home or office. “ONLINE” Internet Banking
is available to you 24-hours a day, 7 days a week just by
using your personal computer.
Is Internet Banking private and secure?
Yes it is. First Community Bank has
incorporated state-of-the-art security into its Internet
Banking to ensure both privacy and security. We require
passwords, data encryption, firewalls and internal security
procedures.
Do I have to be a First Community Bank
customer? What can I do with Internet Banking?
Enrollment is completed Online.
Follow the instructions on the Auto
Enroll page to begin your enrollment. You will be required
to view and agree to the Online Internet Banking Service
Agreement and Disclosure Statement before you are allowed to
complete the Enrollment form.
What system requirements are necessary to
access Internet Banking?
You must have access to the internet and
browsers that support 128-bit encryption. 128-bit encryption
provides privacy for the data flowing between your computer
and the bank’s online server. The minimum internet browser
requirements are Internet Explorer 6.0, Netscape 6.1, or
Mozilla Firefox 1.0. Using the most current versions of
browsers provide better internet protection. Updates for
browsers can be downloaded from the software provider’s web
sites. Is there a fee for Internet Banking?
This service is free for our customers.
If your Enrollment information is
accepted, you may begin using Internet Banking immediately.
If your Enrollment contains invalid information, you will
need to contact us.
What happens if I forget my Password?
You may select the Forgot Password link on
either the Log In or Enter Password screen or contact us to
receive a new Password. If you incorrectly enter your
Password three consecutive times, you will be locked out.
This is to protect your personal information. If you get
locked out, please contact us.
How do I change my Password?
After successfully Logging In to Internet
Banking, go to the Options tab and choose “Edit” in the
Change Password section. It is recommended that your
Password be periodically changed.
Which accounts will I be able to view on
Internet Banking?
You will be able to view any accounts on
which you are an authorized signer.
What if one of my accounts is not shown?
If accounts that you are authorized to
sign on are not displayed, please contact us.
How are joint accounts managed?
Passwords are unique to each user
accessing Internet Banking. For joint accounts, each signer
on the account must have a unique Access ID and Password and
is responsible for the confidentiality of their individual
Access ID and Password. Access ID's and Passwords must never
be compromised or shared with any other person or signer on
an account.
How do the Balances that are shown Online
compare to the bank computer balances?
First Community Bank uses "Real Time
Access" for your Checking and Savings balance information.
This means that the balance you see at home is the same
balance at the bank. If you have Automatic deposits or
payments, make a deposit or transfer funds in the bank,
transfer funds or make payments online, cash a check or even
use your Debit card, you will be able to see those
transactions online immediately. Checks deposited by
businesses or some checks deposited at other banks will not
reflect in the balance shown online.
Loan Balances will not reflect payments
made by using Internet Banking or EZ Banc in the current
business day.
What is the daily cut-off time to complete
transactions on the current business day?
Transactions completed on Internet Banking
Monday-Friday before 7:00 pm, will post to your account that
day. Transactions completed after 7:00 pm will post to your
account the next business day.
Does Internet Banking Work With Quicken
and Microsoft Money?
Yes it does. Data can be downloaded to
spreadsheets such as Microsoft Excel or other personal
financial management software such as Quicken or Microsoft
Money. To export Transactions, click “Transaction export”
under Transactions. You may select which transactions you
want to export and the software format you desire.
Who Do I Contact If I Have Problems,
Questions Or Forget My Access ID Or Password?
You can contact any First Community Bank
office or call our toll free number 1-800-645-5739. Contact
information is also available by clicking on the
LOCATIONS tab.
What is an eStatement?
An eStatement is the electronic delivery
of your monthly account statement. Instead of receiving your
statement through the mail, you will receive an email
notification that your statement is available for viewing
within Internet Banking. No more waiting for your statement
to arrive in the mail!
You simply Log In to Internet Banking as
you normally do, choose the appropriate account, click on
the Documents tab, click on eStatements and choose the date
of the statement you wish to view. To view your eStatements
you must have Adobe Acrobat Reader version 6.0 or greater.
To download a free copy of Adobe, please go to
http://www.adobe.com
How do I Enroll?
Enrollment is completed within Internet
Banking. You may be prompted when you Log In to Internet
Banking. If not, go to the Options tab and find the
eStatement enrollment section near the bottom. Simply follow
the instructions there and your next statement will be
delivered electronically.
How do I Save an eStatement?
An eStatement can be printed and/or saved
to your computer, a disk or another type of electronic
storage device.
How Many Months of eStatements are
Available?
eStatements begin with your first month of
enrollment and each month thereafter will be retained until
12 months have accumulated. At that point, 12 “rolling”
months of statements will always be available.
Is there a Fee for eStatements?
No, eStatements are free of charge.
BILL PAY
What Is Bill Pay?
Bill Pay is a safe and convenient way to
pay your bills online anytime of the day or night. Bill
Payments can be scheduled for immediate payment, for a
future date or to automatically re-occur each month.
What type of Payments can be made with
Bill Pay?
Payments can be made to utility companies,
other banks, credit cards, local businesses and more. To
ensure that you receive proper credit, please be careful to
enter accurate addresses and account number information when
setting up your Payees.
Can I Transfer Funds to my Account at
another Bank?
Yes, funds can be transferred to your
account at another Financial Institution.
Can I Transfer Funds to another Person?
Yes, funds can be transferred from your
account to an individual without the individual’s account
information. All that is required is an email address for
that individual. The transfer will be completed safely and
securely.
Is Bill Pay safe?
Paying bills through Bill Pay is much
safer than paying your bills with a personal check. Payments
are sent electronically whenever possible. If a check must
be sent, the Bill Pay system sends a check and that check
will not have your bank account information on it. Only your
name, address and your account number at the company being
paid will appear on the check.
How do I know if a requested Bill Payment
has been made?
You may view bill Payment History within
Bill Pay. You can search by Payee, Category, or Date Range.
The History details show the date the payment was scheduled,
if the payment was sent electronically or by check, the
estimated arrival date, if the payment reached the payee and
the date received.
How do I sign up for Bill Pay?
Bill Pay enrollment is completed within
Internet Banking. Simply
Log in to Internet Banking and Choose the Bill Pay Tab. Is there a Fee for Bill Pay?
Bill Pay is free for the first two
calendar months of service. Thereafter Bill Payment services
are $5.95 per month for unlimited payments. Fees are subject
to change. Bill Pay saves you time and postage. SECURITY
What Is Data Encryption?
128-bit electronic data encryption
provides privacy for the data flowing between your computer
and the bank’s online server.
What Is A Firewall?
Our computer systems are protected by a
system of filtering routers and firewalls, which create a
protective shield between the outside Internet and the
internal network of First Community Bank. We use several
layers of technology to ensure that your Internet
transactions are secure and tamper-proof.
What Can I Do To Protect Myself?
Your Login ID and Password provide one of
the most important security features for Internet Banking,
and are your unique identifier. Be sure not to share them
with anyone – most frauds involving hijacked accounts
originate with someone the victim knows. Because you can
select and change your password at anytime, you can prevent
unauthorized online access to your accounts. For an extra
layer of security, you will also set up Security Questions
and Answers that will be asked if you log on from a
non-personal computer.
Other security tips:
Security begins with a
strong password, which only you, the user, know.
Experts advise a combination of letters and numbers
and advise against using easily guessed passwords
such as birthdays or telephone numbers. It is also
recommended that your password be changed
periodically. Always Log Off Internet
Banking when you are finished to ensure the
protection of your personal information. Do not
simply “X” out. Keep your web browser
software up-to-date to take advantage of the latest
security enhancements. Make sure the anti-virus
software on your computer is current and scans your
emails as they are received. This simple step is
critical to your personal safety and security when
online. Viruses might be used to capture password
keystrokes or send information from your hard drive.
Be careful where you
choose to do your Internet Banking and what you do
with your transaction data. DO NOT use coffee shop
Internet hook-ups or rented computers. Computers can
be configured to capture private information from
unsuspecting Internet users.
If you get an unexpected
web page asking you for your credit card, password,
account numbers, or any other personal information,
DO NOT disclose this information. You provided that
information to the bank when you opened the account
and the bank will not ask you for it.
Email is generally not
encrypted so do not send any personal information or
account numbers in this way. If you receive an
unscheduled or unsolicited email that seems to be
from your bank – be cautious! We will not request
sensitive information via email.
DO NOT share diskettes
that contain confidential information even if you
think you have erased the information.
It is a good idea to
shred printouts of your account information before
discarding them.
You may contact us by phone or visit your
local branch office to receive a new Access ID.
