YOU Can Count On Us.

*Important Notice* We are providing lobby services by appointment only at ALL FCCU locations on a temporary basis.* Appointments will be reserved for services that require direct material assistance by a team member. We will continue to be open regular business hours with our team members available inside the financial centers to assist you with material needs through "contactless" service. More Information.

At First Commerce, our goal is to be your financial partner for life. As concern about the novel Coronavirus (COVID-19) continues to grow, we realize you may be uneasy about how to access the products and services you depend on daily, including your banking needs. We will continue to be here for you throughout these unprecedented times, delivering the highest level of service and empowering you with a wide variety of secure and convenient ways to access your money.

Get timely updates delivered straight to your inbox.  FCCU Members are encouraged to call the Contact Center at 850.488.0035 or 1.800.533.5772 to speak with a team member. For your convenience, we have expanded the hours in our Contact Center to Mon-Fri from 7:30 a.m. to 7:30 p.m. and on Sat from 9 a.m. to 3 p.m.

Important Reminders

FCCU Digital Banking provides secure convenient access anytime, anywhere right from your computer, laptop, tablet or mobile phone. Check balances, transfer funds, pay bills, and more! With our mobile app, you can also deposit checks right from your device! Enrolling is easy and takes just minutes to complete!

  • Real-Time Text and Email Alerts* make monitoring your account activity easier than ever, with options to customize messages about transactions, including withdrawals, debit card activity, low balance warnings, deposits, and daily balance summaries.
  • ATMs, with services including withdrawals, deposits, balance inquiries and more. Also remember our Accel nationwide surcharge-free network – search for locations including which ones accept deposits.
  • Cash back at points of purchase with your debit card and PIN at essential stops including your grocery store, pharmacy, etc. Don’t have our MasterCard debit card linked to your checking account? Contact us to have one instant issued today!
  • Our Member Account Line automated phone system can be accessed 24/7 through our main number at (850) 488-0035 or 1-800-533-5772 and press option 2. Our Call Center can also be reached at the same number Monday-Friday, 7:30 a.m.-7:30 p.m. ET, and Saturday 9 a.m.-3 p.m. ET.
  • Video Teller Service offers personal service by a First Commerce team member without the current concerns of in-person interaction. To get started, simply press the screen (some transactions require your driver’s license or government-issued ID) and enjoy extended hours in our drive-thrus Monday-Friday, 7:30 a.m.-7:30 p.m. ET and Saturdays, 9 a.m.-3 p.m. ET.
  • More convenient online options to make FCCU loan payments; report fraud, lost/stolen debit or credit cards, or checks; apply for loans or open accounts, and more. For details, visit our website.
  • DocuSign, a secure option for remotely signing eligible documents.

Our Video Teller Service is a form of technology much like drive-thru service—plus, you can even see and talk with a FCCU team member! Personalized service with faster service for you...that’s the POWER OF YOU!

Benefits:

  • Requires only a driver’s license or official government issued ID
  • No more transaction tickets to fill out
  • Ability to request different bills ($50s, $20s, $5s and $1s)
  • Easy access to tellers without getting out of your car (at locations with drive-thrus only)
  • Offers faster and more services than standard ATMs
  • Saves time!

Plus, with our Video Teller Service, we offer extended hours. Speak to an FCCU team member Monday-Friday from 7:30 a.m. ET to 7:30 p.m. ET, and Saturdays 9 a.m. ET to 3 p.m. ET.

YOU Can Count On Us.  As the impact of COVID-19 continues to unfold, you can count on First Commerce to provide you with uninterrupted, safe service. To help relieve financial hardships for both our consumer and business members caused by efforts to stop the spread of the novel coronavirus, we are offering additional relief programs:

Waive FCCU ATM fees. Also remember our Accel nationwide surcharge-free ATM network – search for locations including which ones accept deposits – along with the option to receive cash back at points of purchase with your debit card and PIN.  (program offered thru April 30th)

Waiving fees for call center services such as balance inquiries and transfers.**  (program offered thru April 30th)

Waiving penalties on emergency CD withdrawals. (program offered thru April 30th)

*ATM fees: Please note that any fees charged by the financial institution that owns the ATM will apply. iEarn!, iEarn!50+, and MyWay checking automatic surcharge refunds still apply.

** Call Center fees: Fee waiver does not apply to loan payments from other financial institutions. 

As we continue to monitor the latest on the Coronavirus with your financial well-being in mind, we will consider extending these programs and adding others. If you are impacted or have a financial need, remember we are here to help - please contact us for assistance. 

YOU Can Count On Us.  As the impact of COVID-19 continues to unfold, you can count on First Commerce to provide you with uninterrupted, safe service. To help relieve financial hardships for both our consumer and business members caused by efforts to stop the spread of the novel coronavirus, we are offering additional relief programs:

Automatic One-Month Loan Deferral for Consumer and Business Loans

  • Payments on First Commerce loans, both personal and business, including credit cards, with a due date between March 20 and April 19, 2020, will automatically be deferred for 30 days (excludes first mortgages). This offer applies to all members who have First Commerce loans as of March 19, 2020.*
  • Effect on Loan Due Date. The due date for your loan will automatically be pushed to the following month. This includes loans that are paid monthly, weekly, biweekly and semi-monthly. For example, if you have a loan with an upcoming due date on March 25, we will automatically push the due date to April 25. Members with credit cards who pay their balance in full each month should contact us about options. As always you have the choice to make your regular payment or additional payments on your loan at any time. 
  • Payment Drafted from a First Commerce Account. If First Commerce set up your automatic transfer, there’s nothing you need to do. If you set up a recurring loan payment in digital banking on your own, you will need to go into the Digital Activity Center to modify your transfer to start with the next due date. 
  • Payment Drafted from Another Financial Institution. If your loan payment is automatically drafted from an account other than First Commerce you have options. Depending on how your payment from your other Financial institution was set up, your payment may still come here but should be available in your savings or checking account instead of being applied to your loan.
  • Contact your other financial institution to request pausing your payment for one month. For security reasons, First Commerce is not able to request this for you. 

Pandemic Relief Loan

  • First Commerce is offering current First Commerce members a Relief Loan up to $2,500 at a fixed APR of 5% for up to 48 months.* The loan is designed to help members who have experienced financial hardships, such as income disruption or unexpected expenses related to coronavirus impact. This loan will require an active FCCU checking account with direct deposit payroll.*
  • Complete Your Relief Loan Application Online or By Phone. In observance of the Centers for Disease Control guidelines on social distancing, members MUST apply online or by phone. 
  • If you apply online, visit the Signature Loans page on our web site. To receive this special offer, please note “Pandemic Relief” in the comment section of the application before submitting. Once complete, you can even sign the document through our DocuSign feature. We make it easy, convenient and safe to get the assistance you need.  
  • If you apply by phone, please call our Contact Center at 850.488.0035 or 1.800.533.5772, Monday - Friday, 7:30 a.m. - 7:30 p.m. ET, and Saturdays 9 a.m. - 3 p.m. ET.

As always, if you have questions about any of these special programs, our team members are available to assist you by calling 850.488.0035 or 1.800.533.5772. If you have a business, please contact our Business Services team at BusinessServices@FirstCommerceCU.org or call (850) 410.3559 to ask about how we can help.

 

Disclosures:

FIRST MORTGAGES: If you need assistance with your mortgage, please contact us.

* Automatic Loan Deferral: Your loan maturity will be extended and regular payments will resume after the deferred payment period. Finance charges will continue to accrue as outlined in your Loanliner Agreement, Retail Installment Sales Contract or Credit Card Agreement during the deferment period. Deferred payments may not be covered under GAP waiver agreements. For FCCU Credit Card members who typically pay their credit card balance in full each month, we will not apply this deferment automatically as that would cause interest to accrue. If you would like to take advantage of the deferment knowing you will have interest accrue, please contact us directly.  Regular deferment fees will be waived.* Pandemic Relief Loan: APR = Annual Percentage Rate. Loans may not exceed $2,500 and will be unsecured loans. Loan amounts less than or equal to $1,000 will have a term of 24 months. Loan amounts greater than $1,001 will have a term of 48 months. It will take 48 monthly payments of $57.59 for a loan amount of $2,500 and 24 monthly payments of $43.88  for a loan amount of $1,000. There are no prepayment penalties, however normal late fees will apply. This loan will require an active FCCU checking account with direct deposit payroll. Members currently in bankruptcy or who have caused a prior loss to FCCU would not be eligible for this loan. 

*Important Notice* We are providing lobby services by appointment only at ALL FCCU locations on a temporary basis.* Appointments will be reserved for services that require direct material assistance by a team member. We will continue to be open regular business hours with our team members available inside the financial centers to assist you with material needs through "contactless" service. Please call this financial center directly to schedule an appointment.

During this time, we encourage you to use our digitalbanking tools for safe and secure access to all your banking needs. For more information visit www.FirstCommerceCU.org/COVID19.

For up-to-date hours of operation at each location, select a Financial Center below.

Blairstone Financial Center                      Bradfordville Financial Center

Capital Financial Center                          College Town Financial Center

Thomasville, GA Financial Center          Mahan Financial Center

Marianna Financial Center                      Summit East Financial Center

Thomasville Road Financial Center        Westside Financial Center

Valdosta Financial Center                        Valdosta Inner Perimeter Financial Center 

*Excluding the College Town Financial Center location. This location is temporarily closed for all services.