Frequently Asked Questions (FAQs)

GENERAL FAQs

First Commerce's routing/ABA number is 263182516.

If you have a First Commerce prepaid reloadable card, the routing/ABA number is on the back of your card.

In addition to our ATMs at each of our locations, First Commerce is also part of the nationwide surcharge-free Accel network which includes some deposit accepting ATMs. We're also part of the Publix Presto network which allows surcharge-free withdrawals.

In our quest to be our members' financial partner for life, First Commerce offers many resources and assistance to our members. For information about how to improve your credit, please visit the Learn section of our website, including Understanding your Credit Report and our Balance page. For specific programs we offer, see information about our Credit Success and Drive Happy programs and share-secured credit card. For individual assistance, meet with our Financial Service Officers at any of our locations.

CURRENT MEMBERS – ONLINE OR MOBILE ACCESS

Most access issues are a result of forgotten usernames or passwords. Please follow the link to reset your password. If you have forgotten your username, please contact us for assistance.

iBranch! Digital Banking

  • Use the “Reset Password” link, which will reset your password for both online and mobile banking.

iAlerts! real-time text/email alerts account

  • Use the “Forgot Password” link on the iAlerts! login page
  • As a reminder, your username is the account number (if you have more than one account, you’ll have to login to each account to edit/add alerts)
  • The default password is the last six digits of your Social Security number (no dashes)

First Commerce mortgage account

FCCU Prepaid/Reloadable Card account

  • Use the “Forgot Password” link on the prepaid/reloadable account login page or call 1.800.416.6373.

IDT911 identity theft protection account

If you are unable to resolve the access issue, please contact us and we will be happy to assist you:

  • Email FCCUMemberServices@FirstCommerceCU.org. Messages received after regular business hours will be responded to the next business day.
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose”
  • Call 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.
  • Visit one of our locations (hours vary as noted).

First Commerce’s electronic services include online banking, mobile banking, mobile deposit, and real-time text/email alerts

To enroll:

  1. Click the “Enroll in Online Banking” link.
  2. Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button.
  3. Choose the contact method that allows First Commerce to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and if it expires, you need to request a new one. If you close your browser before receiving the SAC, you can log in again and select the I already have a Secure Access Code button.
  4. Enter the SAC and click the Submit button.
  5. Choose whether to register your device for future logins. If you click the Register Device button, you will never need to request SACs from that device.
  6. Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions.
  7. A view-only profile page appears. Review the information and click the Submit button.
  8. Change your password by using your old temporary password.
  9. Congratulations! You have successfully logged in to Online Banking!

To access your First Commerce prepaid reloadable card online, visit www.FCCUReload.com. For other reloading options, visit our Prepaid and Reloadable Card page.

  • Email FCCUMemberServices@FirstCommerceCU.org. Messages received after regular business hours will be responded to the next business day.
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Call our TeliBranchLIVE! team at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
  • Visit one of our locations (hours vary as noted).

CURRENT MEMBERS

If your debit card isn’t working, it could be for a number of reasons from suspected fraud to technology glitches. Please contact us and we will be happy to assist you.

  • Call our TeliBranchLIVE! team at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
  • Email FCCUMemberServices@FirstCommerceCU.org. Messages received after regular business hours will be responded to the next business day.
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Visit one of our locations (hours vary as noted).

 

To activate a new debit card, please refer to the sticker on the card you received. Please note you must call from the primary phone number we have on file for the main accountholder. If you are unsure of what number we have on file as the primary number for your account, please visit iBranch! online banking under “settings” and then “profile,” or by visiting one of our locations. You may also call us at 850.488.0035 or 1.800.533.5772 to verify the information we have on file; however, for security reasons, we cannot update your information via phone.

There are several easy ways to check your balance.

  • First Commerce's electronic services include online banking, mobile banking, mobile deposit, and real-time text/email alerts. To enroll, see the related FAQ above.
    • Once enrolled in mobile banking you can choose to bank by text message where you can text BAL and get an instant balance on all of your accounts.
  • Call TeliBranch!, our automated phone system, at 850.922.7282 or 1.800.526.4314.
  • Visit a First Commerce ATM or a surcharge-free ATM including Publix Presto! and our nationwide Accel network. Balance inquiry & withdrawal fees may apply.
  • Call our TeliBranchLIVE! team at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.) With this option, a $2 fee applies.
  • Visit one of our locations (hours vary as noted).

If you see a transaction or fee in your account that you are unsure about, please contact us and we will be happy to assist you.

  • Call our TeliBranchLIVE! team at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
  • Visit one of our locations (hours vary as noted).

Once you make a debit card transaction, funds are held for the purchase immediately and can actually clear immediately, but most will clear by the second or third day from purchase. One easy way to track when your transactions are clearing is by signing up for iAlerts!, real-time text and email alerts.

The amount we hold is determined by the merchant with whom you conducted the transaction. Restaurants often preauthorize a hold of 20% over the cost of the meal to leave room for a tip. Hotels take a similar approach, preauthorizing more than the cost of the room to cover incidental expenses. Gas stations often preauthorize $75 or more, not knowing how much you will pump. Once the transaction comes through, any authorization holds are released, regardless of the amount of the charge.

To change your PIN for your First Commerce MasterCard debit card, please call 1.800.757.9848.

To add or change a PIN on your FCCU VISA Credit Card, please call 1.877.PHONPIN (746.6746).

To change your PIN on your First Commerce MasterCard Prepaid Card, please call 1.800.416.6373.

There are several convenient ways to stop a check. Fees may apply, although there is never a charge for stolen checks.

  • Log into online banking and click on the account used, select “stop payments,” and indicate the check number or range of check numbers
  • Visit one of our locations (hours vary as noted).

If you are planning to travel, please notify us to help ensure your First Commerce debit or credit card will work while you’re gone.

  • Call our TeliBranchLIVE! team at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
  • Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.”Messages received after regular business hours will be responded to the next business day.
  • Visit one of our locations (hours vary as noted).

It is important to keep your contact information up-to-date so we can contact you if we suspect fraud or need to communicate other important information to you about your account(s). You may view and change your contact information in iBranch! online banking under “settings” and then “profile,” or by visiting one of our locations. You may also call us at 850.488.0035 or 1.800.533.5772 to verify the information we have on file; however, for security reasons, we cannot update your information via phone.

CURRENT MEMBERS – FRAUD OR LOST/STOLEN CARDS/CHECKS

It’s important to report fraudulent account activity or identity theft right away. Call us to report fraud at 850.488.0035 or 1.800.533.5772, log into online banking and send us a secure message, or email us at Abuse@FirstCommerceCU.org. For more information, visit our Fraud and Security page.

To report your First Commerce MasterCard debit card lost or stolen, call 1.800.417.8715.

To report your FCCU VISA Credit Card lost or stolen, call 1.800.682.6075, visiting www.ReportMyCards.com.

To report your FCCU MasterCard Prepaid Reloadable Card lost or stolen, call 1.800.416.6373 or report online at www.FCCUReload.com.

For more information and guidance, please visit our Lost/Stolen Cards/Checks page.

To report lost or stolen checks,log into online banking and click on the account used, select “stop payments,” and indicate the range of check numbers, or call 850.488.0035 or 1.800.533.5772.

To stop payment on any outstanding checks that you are unsure of, contact First Commerce by calling TeliBranch! (850.922.7282 or 1.800.526.4314). Cancel your checking and savings accounts and obtain new account numbers. If your own checks are rejected when you try to use them, contact the merchant’s check verification company.

If you are a victim of identity theft, get guidance from our partner, IDT911.

To stop payment on a check, see above FAQ for information.

FUTURE MEMBERS OR ADDITIONAL LOANS/ACCOUNTS

  • If you open your First Commerce account online, you will be asked a series of security questions to verify your identity.
  • To open a First Commerce account in one of our financial centers, please bring your official photo ID (ie. Driver’s license, passport, or military or other government-issued ID card) and Social Security card.
  • Sammy Squirrel Kids Club accounts must be opened in one of our financial centers. Please bring your child’s birth certificate (original or certified copy) and Social Security card.

If you made it far enough into the application to enter an email address, you should have received an email from us with an application number and link. This link and number will allow you to complete the same application you started. If you did not give us your email address or did not receive the reminder email, please start a new application.

Enroll in Direct Deposit to have your paycheck automatically deposited into your account on your payday. Simply complete this Direct Deposit Authorization form or one provided by your employer or the source of the funds and return it to their Accounting department today! If you are unsure whether certain funds can be direct deposited, check with a Financial Services Officer at one of our locations or call us at 850.488.0035 or 1.800.533.5772.

When your direct deposit will start depends on your employer or the source of the direct deposit, but typically after the request is turned in, you will receive one more check or direct deposit into your old account and then your direct deposit into your First Commerce account will begin.

CONTACT US

If you know the extension of the person you’re trying to reach, you can call our main numbers 850.488.0035 or 1.800.533.5772 and enter it. If you don’t have a direct number or extension for a First Commerce team member, all calls are routed through our main TeliBranchLIVE! Phone numbers: 850.488.0035 or 1.800.533.5772. If you know the first and last name of ther person you're trying to reach you may also use the "Dial by name" feature when calling the phone numbers listed above.

Our Business Services team can be reached at 850.410.3559.

To send a secure message, login to online banking and click the envelope icon in the top bar and then click “compose.”

Visit our Contact Us page for all of ways to reach us.