A Secure Access Code (SAC) is a powerful security asset that is more secure and more user-friendly than security challenge questions. Whenever you login to iBranch! Digital Banking on a new app or web browser on each device that you have not previously registered, you will use a SAC to authorize the access. Here’s how it works:

• Enter your user ID and password as normal
• The system will generate a code and you will select the method you prefer to receive it: via email, text message, or voice call based on the contact information on file for the primary member on the account. If your contact information is not current or is incomplete, call us at 850.488.0035 or 1.800.533.5772, or visit one of our 12 locations for assistance. If you are unable to successfully retrieve your code or if you no longer have access to any of the listed delivery methods please call us at 850.488.0035 or 1.800.533.5772, or visit one of our 12 locations for assistance.
• Input this code into iBranch! to verify your identity
• After the code is accepted, you can opt to register the device. This will allow you to bypass the SAC process for future logins on that app or browser for that device only. For security reasons, do not register devices that are public or shared devices.
• SACs may also be required to confirm some high dollar transactions.

See our secure access code tutorial video.

You can edit your view by clicking and dragging on each account tile to rearrange them. You may also go to “Settings,” then Account Preferences and use the arrows on the right side. After you begin dragging an account, you will see a folder or “inbox” icon appear below that you can drop it into to create folders or groups of accounts. Any changes will be reflected across all devices you use to log in. Please also see the short video on this topic in our video tutorial library.

To hide accounts, go to “Settings,” “Account Preferences,” and click on the Account you want to hide. Click on “Visible” or to expand the account and toggle the “Visibility” button to the off position. Any changes will be reflected across all devices you use to log in.

Yes. With Card Management Services, the power to control settings on all of your FCCU debit and credit cards is in your hands. Under “Services” in the main menu of digital banking, Card Management Services will allow you to:

• Freeze and unfreeze your card, or temporary block your card when you have misplaced it or it is out of your possession – Please note that freezing takes effect immediately and unfreezing takes up to an hour for debit cards.
• Block/cancel a card that is lost or stolen and request a replacement card – Please note that blocking a card will permanently cancel it. If you need a new debit card, with our instant issue service, you can visit any of our 12 locations to pick up a new one (debit cards only).
• Information about how to request or change a PIN via a secure website or phone.
• Notify us of upcoming travel plans to avoid your account being flagged with potential fraudulent activity, blocking access while you are on your trip.
• Request a replacement card – then, with our instant issue service, you will be able to simply visit one of our 12 financial centers to pick up a new card (debit cards only).
• Request a balance transfer (credit cards only)

Additional instructions and information will display in Digital Banking for each service you select. If you have more than one FCCU card, be sure to carefully select the intended card before activating these services.

After any financial institution changes their online banking system, it may take QuickBooks a short period to recognize the new system. It should start connecting again automatically at that time. Here are links to some instructions to assist you:

Quicken/QuickBooks Web Connect Conversion Instructions

• QuickBooks Conversion Instructions for Windows
• QuickBooks Conversion Instructions for Mac
• Quicken Conversion Instructions for Windows
• Quicken Conversion Instructions for Mac

For Quicken/QuickBooks users, Direct Connect is now available! Direct Connect allows you to access your First Commerce account information, pay bills, transfer money and send other instructions to us right from within Quicken or QuickBooks. While FCCU offers free bill pay, Quicken/Quickbooks bill pay and transfers are products sold by Intuit. You will need to contact Intuit directly to set up these modules. With Direct Connect, you no longer have to sign into your First Commerce account and manually download transactions – Quicken/QuickBooks does this for you. (Please keep reading for tips for a smooth setup experience!)

If you prefer the existing method of connecting your account information and downloading your transaction history into Quicken/Quickbooks, Web Connect also remains available. The choice is yours!

If you are making the switch from Web Connect to Direct Connect, the first time you connect you may end up with duplicate transactions. Here are a few tips to help you with this:

• To avoid duplicates, you can preemptively delete some of your old information. Since Direct Connect only accesses your last 90 days of transactions, preemptively deleting the past 90 days of data will avoid duplicates. Before doing this, always be sure to create a backup file of your data.
• If you have already made the switch and have duplicate transactions, Quicken/Quickbooks only offers a manual delete method. For an easier way to remove multiple transactions, hold down the CTRL or Apple key while selecting the transactions you want to delete.
• To avoid duplicates in the future, stay with one method of connecting (either web or direct.)

Since duplicate transactions are a known issue, Quicken/Quickbooks has more information about this topic on their website.

All transfer activity can be viewed under the transactions menu in the Digital Activity Center. You may view one-time transfers, recurring transfers, and mobile deposit history. Select these items across the top. To view your current and previously set up recurring transfers, select “recurring.” Recurring transfers may not be edited. To make a change, cancel the existing transfer and setup a new one. 

See our short tutorial video on the Digital Activity Center.

• Navigate to Digital Activity Center under Transactions
• Click “Recurring Transfers” from top of the Digital Activity Center page
• Scroll to the transfer you wish to edit and select ‘Cancel Series’ from the Actions drop down
• Once series is cancelled, return to the Funds Transfer page under Transactions
• Set up new transfer and mark it recurring

Our Personal Financial Management (PFM) suite, similar to Mint or Quicken, gives you the ability to track your finances and plan for financial goals with more ease than ever before. With the First Commerce PFM suite, you can analyze spending analytics, view net worth charts, and set budgets.

For our members who have business accounts at First Commerce, exciting changes are coming. We’re launching a new Business Premium platform that will make banking easier so you can stay focused on your business. Perks for our Business Premium members will include payroll, tax payments, multiple user control, and other premium features. To find out more, please contact our Business Services team today at BusinessServices@FirstCommerceCU.org or by calling 850.410.3559.

Yes. Videos and searchable user guides are available here. To search on desktop, press Ctrl or the Apple icon + the letter F. A “help” button is also available in the menu of iBranch! Digital Banking.