Enhanced Login Security FAQs
Your online security has always been a top priority. Soon, we will be upgrading your online banking experience with a new security service, which is known in the online security industry as Multifactor Authentication, to further help protect you from identity theft. At First Community Bank we refer to this as Enhanced Login Security.

What is Multifactor Authentication/Enhanced Login Security?
Multifactor Authentication is superior security technology that protects your accounts from unauthorized access by strengthening the security of your online banking session. When you login to your interest banking session you can have peace of mind. Powered by the best-of-breed technology, Multifactor Authentication protects against online fraud by providing an additional authentication 'factor' beyond your username and password used today.

Enhanced Login Security will:

• Defend against identity theft and fraud
• Provide added security from any computer, wherever you are
• Make it easy for you with on-time sign-up and convenient access

When will I know that Enhanced Login Security is set for my accounts?
Soon you will be prompted to sign up when you login to your online banking session. Sign up once at your computer, set up your "challenge questions," and you are all set.

How will it affect my online banking experience?
Once you set up your computer, the next time you login it will be business as usual - the rest of your online banking experience will remain exactly the same.

Can I access my account from other computers at my home, office or on the road?
Enhanced Login Security identifies you as the true "owner" of your accounts by recognizing not only your password but your computer as well. If we don't recognize your computer - you've logged in from a public computer or one you haven't used before, for example - we'll ask you challenge questions as an additional line of defense to prevent unauthorized access. With Enhanced Login Security, youÕll be protected from whatever computer you are using, whether you are at home or on the go.

For more information on Enhanced Login Security, please contact your bank representative today.

How do I access Online Banking?
After your FCB checking application has been approved, simply click on the words Online Banking on any of our Web pages. When using Online Banking for the first time, click on the button "Click here to create or change your pin number" to set up your pin number.

How frequently is my FCB information updated?
FCB updates all customer information nightly. Whether you access Online Banking, the Answer Line system (524.0800 or 1.800.464.0800), or contact us directly, your account information is updated nightly to reflect all account activity.

Can I look at all of my transactions at any time?
Yes, with Online Banking and the Answer Line system (524.0800 or 1.800.464.0800), you have access to your account information 24 hours a day, 7 days a week!

How does bill payment work?
To help you understand the process, we have provided a diagram.

How long does it take to set up a new payee in the bill payment system?
Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments.

Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.

After I make a bill payment, how long does it take for the money to be debited from my account?
The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

How long does it take for a payment to reach the payee?
A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.

How do I actually use the Electronic Bill Payment System?
Step-by-step instructions can be accessed by pressing the help button within Online Banking.

Is there a charge for the convenience of using online bill pay?
No, there is no fee.