Welcome to FCB's Help page. We developed Frequently Asked Questions to help our users with any problems they might have. If you have any suggestions for content on this page, or you have a question that is not covered in these pages, please Contact Us. To begin solving your problem, choose a link below. Thanks!
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--> Security FAQ's
Q Are FCB deposit accounts FDIC insured?
A Yes! You can see the official logo of the FDIC on our home page. Click here for more information on FCB's coverage.
To find out if all of your money is protected, please visit www.myfdicinsurance.gov. This official FDIC site provides a calculator to help you arrange your funds for maximum coverage.
Q How do I set up Direct Deposit of my payroll check?
A After your FCB checking application has been approved, you will receive FCB's 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.
Q How do I set up Direct Deposit of my Social Security check?
A After your FCB checking application has been approved, you will receive FCB's routing and transit number and your account number. Simply call 1-800-772-1213, and have your social security number and account information available to set up your direct deposit right over the phone.
Q Can I get information about my account by phone?
A Yes! FCB has two ways of serving you by phone. By calling 1-800-332-8231 Monday-Friday, 8:00am-5:00pm ET, you can speak with a customer service representative who will be happy to review your account with you and answer your questions. Also, you can reach our automated voice response system at any time by calling 1-888-864-1078.
Q Can businesses have accounts at FCB?
A Yes! FCB offers a variety of business accounts. We update our Business Products section as new accounts are offered, so check back with us. If we don't have exactly what you're looking for now, we may add it very soon! To see what we currently offer, check out our Business Products page.
Q Does FCB offer IRAs?
A FCB does not currently offer IRAs through the Internet; however, we continually update our Personal Products section so check back with us soon! To see what we currently offer, visit our Personal Products page.
Q Can I open an account if I don't live in the US? What about if I live in the US but am not a citizen yet?
A As stated on our application, at this time we process applications only from persons residing within the United States with valid US tax identification numbers that can be used to report any interest income earned to the Internal Revenue Service (IRS). If you have questions, Contact us, we'd love to hear from you.
Q Can I do all of my banking with FCB?
A Yes! Thanks to the convenience of Direct Deposit, ATMs, electronic bill payment, and the Debit MasterCard, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.
Q Are wire transfers possible to and from my FCB checking account?
A Yes! Funds can be transferred to and from FCB accounts by wire transfer. Call our customer service department for details.
Q Is there any interest on FCB checking accounts?
A Yes! If you want a checking account that has a high market interest rate and you maintain a $2500 or greater balance throughout the month, check out our First Choice account.
Q How do I make a deposit to my account from a remote location?
A You can do most of your banking by using direct deposit or by having another financial institution send us ACH (Automated Clearing House) transactions. FCB also offers 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.
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Online Banking Help
Q How do I access Online Banking?
A After your FCB checking application has been approved, on our home page, simply click on Online Banking and then Enroll in Online Banking.
Q How frequently is my FCB information updated?
A FCB updates all customer information nightly. Whether you access our Online Banking, the automated voice response system, or our customer service department, your account information is updated daily to reflect all account activity.
Q Can I look at all of my transactions at any time?
A Yes, with our Online Banking section and the automated voice response system (In Touch), you have access to your account information 24 hours a day, 7 days a week!
Q How do I sign up for online Bill Payment?
A After logging into Online Banking, Click on Bill Payment, and complete the enrollment form.
Q When I click on "Bill Payment", I just get sent back to the Account Overview screen. What should I do?
A You will need to allow the pop-up window for bill payment. If you are not sure how to do this, please contact Customer Service at 1-800-332-8231. We have some written instructions available that may help.
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If your questions have not been answered, please contact us.
FDIC Insurance Information can be accessed online at http://www.fdic.gov/edie/
First Covenant Bank's certificate number is 58294. You may also visit the FDIC site and search for us by name as First Covenant Bank or search for us by certificate number 58294.
For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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Please contact FCB Customer Service if you have any questions.
Q I'm still hesitant about banking online. Can other people see my account information?Online Safety Tips
Avoid Social Engineering Attacks
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A Your account information is at least, if not more, secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.
Q What about filling applications out online? How secure is that?
A Filling out applications online is no less secure than the Online Banking System. Your entire session, starting when you open an application page, all the way until you are finished submitting your application, is encrypted. Our system supports 128-bit encryption, so you can also use the latest browser from Netscape or Microsoft that support this level. In fact, the highest encryption Netscape and Microsoft browsers support is 128-bit, so you will be using the highest bit encryption currently available if you use a 128-bit encryption capable browser.
Q I keep hearing a lot about encryption? What exactly is it, and why does it make everything more secure?
A Encryption is basically a way to rewrite something in a code, which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While on our Online Banking System, all communication from you to the system, and from the system to you, is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then send it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.
Q What about information that is stored? Is it encrypted as well?
A Information stored on our system is also encrypted, using at least 128 bits.
For additional security information and safety tips you can use, please see the following information:
Electronic Services Agreement
Bill Pay Agreement