Three invalid logon attempts will lock you out of Internet Banking. Customers should call Encino Operations at 818-501-2265 Monday – Friday from 9:00 A.M. – 5:00 P.M. PST.

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Yes. If you have any First Commerce Bank account - CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE.  You must have a checking account to have Bill Payment.

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The change can be made through Encino Operations or at any other branch location.

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You can call Encino Operations at 818-501-2265 Monday – Friday from 9:00 A.M. – 5:00 P.M. PST.

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First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions.  Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats. For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts.  These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and First Commerce Bank is both secure and authentic.

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By clicking on the Test Browser button on our Home Page/Internet Banking sign-on page.

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Telephone Encino Operations at 818-501-2265, or e-mail your question to operations@fcb.la.

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User ID, PIN, and Internet access.  The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing. 

You will need a connection to the Internet and a Web Browser that supports 128-bit SSL encryption. Netscape Navigator 4.5 (or higher) or Microsoft Explorer 5.0 (or higher) both support this type of encryption. TEST YOUR BROWSER HERE You can download the latest browser software from the following sites:

Microsoft Internet
http://www.microsoft.com/windows/ie/downloads/

Netscape Navigator
http://wp.netscape.com/download/

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Internet Banking and our Bill Pay feature is free to all customers.

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If you lose/forget your ID or PIN, call Encino Operations at 818-501-2265.

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• Unlimited in the numbers and types of accounts to access.
• Transfer funds electronically between all checking and savings accounts (regulatory limitations may apply).
• Transfer funds electronically between checking/savings and loan accounts at First Commerce Bank      
• allowing for Interest/Principal payment distribution.
• Transfer funds electronically between lines of credit (Cash Reserve) and checking.
• Statement information on all deposit and loan accounts.
• Check Imaging statement retrieval with front and back images on all cancelled checks.
• Obtain account information on your Checking, Savings, CD’s, Loan, and Safe Deposit Accounts.
• Stop payment on checks drawn on your checking account at First Commerce Bank (stop payment 
• charges may apply.
• Download "real time" transactions from any accounts to industry standard money management software.
• Bill Payment Option - access the designated checking account to pay most bills.

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It will be available virtually any time, day or night, 7 days a week.  However, there may be times when it is temporarily unavailable due to processing updates, or technical difficulties.

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You will see transactions update to your account periodically throughout the day.  The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use First Commerce Bank Online Banking, or transfer funds between accounts, your available balance will be updated to reflect that activity. Any activity through FCB Online Banking will be reflected immediately. All account activity processed within the bank will periodically be updated every three to four hours. However, all transactions are  posted and will be up to date as of our evening system update, subject to events beyond our control.

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Any First Commerce Bank account holder.  Business Professionals that require more financial services may elect to use our First Commerce Bank Cash Management services. Contact your relationship officer at any one of our branch locations.

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First Commerce Bank customers can start Internet Banking by inquiring online with our Product Inquiry Form or contact your relationship officer at any one of our branch locations.

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If you're having problems accessing FCB Online Banking, check to see if you can access other web sites. If you cannot, contact your Internet Service Provider. If you can access other web sites but can't access Online Banking, the system is either off-line or we're experiencing a temporary disruption of service.  Please try again later.  If the problem persists, please contact Encino Operations at 818-501-2265.

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There could be several reasons. You may be entering the wrong PIN. You could also be locked out of FCB Online Banking.  You are allowed three login attempts.  On the third attempt, if invalid, you are locked out of Online Banking.  In addition, if you have not logged in to Online Banking in the past 90 days, you will be locked out of the system.  If you get locked out, please contact Encino Operations at 818-501-2265.

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Merchants use telephone communication to approve transactions from your card.  They receive a temporary and a permanent authorization, both of which appear on your account information.  You should also see an offsetting credit in the same amount. In every case, the amount charged to your card will equal the amount of your purchase.  This may occur if the Merchant has a pre-authorization process.  Examples are gas stations and hotels who use your card for confirmation purposes.

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Three invalid logon attempts will lock you out of Internet Banking. Customers should call Encino Operations at 818-501-2265 Monday – Friday from 9:00 A.M. – 5:00 P.M. PST.

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Yes. You may not use Bill Payment to pay any government agency.

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You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.

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No. In order to change a merchant address, you will have to set up a new merchant with the correct address and delete the entry with the incorrect address.

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You can request a copy by contacting your branch Operations at any one of our branch locations. There may be a fee associated with this service.

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Yes. You can set up recurring payments in the following frequencies:

• Weekly
• Bi-Weekly
• Semi-monthly
• Monthly
• Quarterly
• Semi-Annually
• Annually

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Yes, as long as you have a checking account at First Commerce Bank; however, payments can only be made to locations in the United States.

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Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check.

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You may schedule payments as far in the future as you want.  Recurring payments can have an ending date of any year in the future.

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Check payments should be scheduled at least 5 to 7 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee.

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You may edit or delete scheduled payments until 12:00 A.M. PST the day before the scheduled payment date. For example, if a payment is scheduled for today, you may edit or delete the payment up until 12:00 A.M. today.

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Payment History records are kept for one year.

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You may have up to 99 payees.

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Yes. The minimum payment amount is $0.01. The maximum amount is $9,999.00. Any payment larger than this will have to be arranged in advance with First Commerce Bank.

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Status Value: Payment Pending Definition: The payment has been processed, but not yet sent. Status Value: Payment Processed Definition: The payment has been processed and sent. Status Value: Hold Definition: The payment has a research request on it and has not been processed. Status Value: Stopped Definition: You have requested the payment to be stopped. It cannot be processed again.

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Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Any new payments that are scheduled during the weekend, for the current weekend, will be processed on Sunday night. Holiday processing will be processed the business day BEFORE that date.

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Bill payment items are treated just like any other check you write. Should the item be returned, a hold may be placed on your bill payment service.

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The money will be withdrawn from your account approximately one to two business days after the payment date you have specified. To insure adequate funds are available in your account, it is a good practice to have the funds in your account on the scheduled payment date.

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No. The memo field is for your personal records; however, the account number that you entered when you added the payee to your Personal Payee List is printed on the check.

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Call First Commerce Bank Operations at 818-501-2265. Office hours Monday - Friday from 09:00 A.M. – 05:00 P.M. PST.

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You can pay ANYONE in the United States (excluding government agencies) - from your next door neighbor, to the utility company, the bank, and even a child in college across the country! You cannot make payments to any government agency.

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During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Withdrawals in person, by mail, by messenger or ATM are unlimited.

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You may transfer between all your designated deposit or loan accounts at First Commerce Bank.  Some accounts may be excluded from transfer capability due to regulatory requirements, bank policy, or loan agreement between the customer and First Commerce Bank.

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A transfer can be made up to 5:00 P.M. PST during any business day for that transaction to post that night. This includes all transfers between deposit accounts and loans. A transfer made today after 5:00 P.M. will "memo post", but will not actually appear until the next business day.

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Your company Administrator can unlock the user sign-on. Under the "Admin" tab your   Administrator will need to list the users on the system, locate the specific user, and click "Unlock".

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Typically, 5 times, but this may vary depending on your company's settings.

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Yes, your administrator can reset this for you or if you have supplied an email address, you can use the password auto-recover feature to reset your password.

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Being able to access the different areas is a role that is assigned by the administrator of your user account. Contact your Administrator for changes.

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As long the scanner has front and back capability that will be the default.

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This option is recorded as a "cookie" on your machine. This cookie tells what device you have selected. If you delete your cookies often or have them disabled, the system is unable to retain this option for future reference. As a result you will be asked each time the "Scan Check" page is loaded.

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Not on the first item, but once selected, it will remain selected until the page is refreshed or reloaded.

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An image is available online for a minimum of 120 days. After 120 days the user will be able to view the image by creating a report under the Reports tab.

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This is because the name on an account and the bank account on which the payment check is drawn can differ. A good example is a parent who pays for their child’s rent while the child is in college. The customer information would be under the child’s name, but the name on the check would be that of the parent, which can be entered in the box above the scanned check.

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If the transaction has been processed, a user with the appropriate permissions can view the transaction and edit the amount. Changes can be made on the payment screen before the “Process Payment” button has been clicked.

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For ACH items there are several ways. For a quick look, select the "Home" tab to view a brief history of your account. There is a "Returned NSF" status and "Invalid/Closed Account" status that you can click for a report. You can also select the "Report" Tab to run various reports including a report that shows items that returned today. The reporting configurations are extensive and you can set the criteria to generate the report you are looking for. IRD returns would be handled through your normal paper check return process.

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"Mailed In/Dropped Off" is for checks that have literally been mailed in or dropped off. This processes using a banking code of ARC which stands for Accounts Receivable Check. "Point of Purchase Sale" means a purchase at the counter and uses the banking code of POP. "NSF Paper Check" is used for the electronic collection of a paper item that has been processed by a bank, but has returned for NSF reasons. This uses the banking code of RCK for Returned Check.

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Permission to refund an item is an option that is assigned by your Administrator. Additionally, it may not be available to you if your company does not have the ability to issue refunds electronically.

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As long as the transaction has not yet been processed, a user with the appropriate permissions can select the "void this transaction" option that appears on the right of the screen when viewing the transaction.

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Depending on how the customer’s bank posts ACH files a customer Often does not immediately see the pending item. It may not post to the customer until after the bank’s evening processing of the effective date. On holidays, posting can vary by how their institution observes the holiday. This does not mean that the item was not processed on the date indicated. NOTE: When contacting the financial institution be prepared to provide them with the account number, amount, type (POP, RCK, TEL, etc.), and the effective date of the transaction.

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This varies from customer to customer, but typically we do not represent returned items unless requested. The most any item can be represented is two times.

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Contact Customer Service to change your account settings. This will require authorization by the person who signed your company’s processing application.

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