After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about TeleBanc for automated account information 24 hours a day.

Yes! If you want a checking account that pays a market rate of interest, check out our Community Packaged Accounts or Business NOW Account.

At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

 Yes! With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Your account information is "online real time." What that means to you is that when you log on to your Internet Banking account, you will have access to the same information that we do in our offices. No delays!

Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Yes!

The basic insured amount of a depositor is $100,000.

After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Internet Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Yes, the Internet Banking product stores your Access ID, password and user preferences.

Your account information is "online real time." What that means to you is that when you log on to your Internet Banking account, you will have access to the same information that we do in our offices. No delays!

You can access your checking, savings, investment and loan accounts from the Internet banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.

The system will automatically show the current month's transactions and information. However, you can choose to view the current month, previous month, current business day or previous business day.

Internet Banking supports downloads to Quicken™ and QuickBooks™, versions prior to 2005, Microsoft Money™ or as a comma-delimited text file.

You may schedule future and recurring transfers.

With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Yes, we have an Internet Banking Demonstration Site that is part of the Home Banking package.

The inactivity time out default is set for 15 minutes.

All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or America Online®. You can use any computer that has Internet access.

You must first complete the Internet Banking registration form and submit it to us. Once your registration is received we will process your request. You will need a password to access the service for the first time. You may contact us by telephone or wait for your password to be sent to you. You must have an existing checking, savings or loan account before banking online.

Yes, after you use your assigned password to log-in for the first time, you will be required to change it. You can also go to Options and change your password at any time.

Just call us and we will take you through the steps needed to get back into the system immediately!

To help you understand the process, we have provided a diagram.

Yes. There are several payment options available including weekly, semi-monthly, monthly, annual and recurring payments. The final payment of a recurring payment schedule is designated by a 'Cutoff Date.'

Bill Payment registration is easy! Just contact your local First Community Bank of America office.

When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Bill history information can be sorted by Biller Name, Account Amount, Pay Date or Status. You can view your bills and payments for the past six months (180 days).

No, only checking accounts can be used for bill payment purposes.

You can schedule payments 24 hours a day, seven days a week.

All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

You can add payees by accessing the Add A Bill screen. New payees will be added to the payee list immediately.

Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Yes, you are limited to one bill payment account.

Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

When you enter an amount for the payment, Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment. You can either accept this date or change it to a later one. The date must be a business day (no weekends or holidays) that is not more than a year in the future (or 365 days from today's date).

Each bill payment is debited separately.

Yes, they are all sent out at the same time.

Your account is debited via ACH.

Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.