First Commercial Bank's ABA/routing number is 272471852.

To set up direct deposit or automatic payment, to send or receive a wire transfer, or to reorder checks, you will need First Commercial Bank's ABA number and your account number. The image below shows the location of the ABA check routing number and account number.

FDIC insurance covers individual customer accounts up to $250,000. For information on coverage available, please visit the official FDIC website at fdic.gov.

For most people there is no concern because FDIC insurance covers individual account holders for up to $250,000. If you have more than $250,000 at one institution, it is best to visit the official FDIC website at fdic.gov for all available options.

We offer a variety of online personal accounts to meet your financial needs. Visit the Banking Products page on First Commercial Bank.com to view the checking, savings, money market, or certificate of deposit accounts available in your area.

Currently, IRAs are offered through our branches in Michigan only. Please visit our Branch Locator to find a branch near you.

The First Commercial Bank Visa® Debit card acts as a check and is used with your checking or money market account. It allows you to make purchases wherever Visa is accepted, and the funds are automatically withdrawn from your checking or money market account. The Visa Debit card also allows you to make cash withdrawals at ATMs. An ATM card allows you to make deposits, withdrawals, transfers, and balance inquiries at an ATM.

In order to protect yourself from possible fraud, please take the following actions:

1. Contact First Commercial Bank Customer Service at +1(601) 282-9653 as soon as you realize your card is lost or stolen. We will place an immediate restriction on the card so it cannot be used and we will also order you a new card. ATM cards are available at your local branch and can be issued and activated during your visit. First Commercial Bank charges $5 to replace a Visa Debit card.
2. Review your recent transactions to ensure no fraudulent activity has occurred. It may be necessary to file a fraud dispute.

Need to order checks or deposit slips? Use our secure service to order checks, review the status of your order, or view your order history. Just login to online banking and select Check Reorder. You may visit Harland Clarke™, or call Customer Service at +1(601) 282-9653. Representatives are available Monday-Friday 7:30 a.m. to 9 p.m. and Saturday 8:30 a.m. to 6 p.m ET.

With online and mobile banking, you can view your account information 24 hours a day, seven days a week wherever you have Internet access.

Online banking lets you view your account and consolidate and pay your bills in one place. With First Commercial Bank's online banking, you can:

• View account details and balances for your checking, savings, CD, money market, IRA, and selected loan accounts online 
• Transfer funds between your First Commercial Bank accounts or from other financial institutions 
• Organize all your bills in one place 
• Pay multiple bills quickly from the same screen 
• Receive email notices when your ebills arrive 
• Keep an online record of payments for two years 
• View 24 months of statements 
• View six months of check images 
• View most of your financial accounts through My Wallet™

Mobile banking gives you access to your First Commercial Bank accounts through an Internet-enabled device. With mobile banking, you can:

• View account summaries 
• View account transaction history 
• Save time with mobile check deposit¹ 
• View check images Make transfers 
• Review and pay bills 
• View and/or cancel pending bill payments 
• Send Money With Zelle^® 
• Locate an ATM, branch, or loan center 

¹Must be an active personal online banking user.  Must be  customer for a minimum of two business days.  SimplyOne account holders are not eligible.  Accounts must be in good standing.

Use First Commercial Bank's free 24-hour Telephone Banking to obtain information regarding your account. You have access 24 hours a day, 365 days per year. By calling +1(601) 282-9653 24-Voice, you can:

• Get your account balance 
• Review checks paid 
• Check debits and credits 
• Get interest information 
• Stop payments 
• Request statements 
• Activate your debit/ATM card 
• Cancel lost or stolen card 
• Transfer funds 
• Check status of check reorder

You would request a stop payment after you have written a paper check and wish to cancel the check.

• Log into online banking and select Stop Check Payment 
• Call (888) 24-Voice (888-248-6423) to place a stop payment through our automated phone system 
• Call +1(601) 282-9653 to speak with a Customer Service Representative

A stop payment costs $36 to process.

Checking and savings account holders may order over 70 types of foreign currency from any First Commercial Bank branch. To learn more about this convenient, competitively-priced service, click here.

Your residence is the physical street address where you live. A mailing address is where you'd like to receive your account-related mailings such as your statement, tax information, or account notifications.

You can access your money via an ATM, your Visa® Debit card, by writing a check, and through our branches.

You can easily:

• Set up direct deposit by completing a direct deposit form. 
• Request a one-time electronic debit from your account at another financial institution to your First Commercial Bank account 
• Transfer funds through online banking 
• Complete a wire transfer 
• Visit a local First Commercial Bank branch (branch locator) transfer funds using 24-hour Telephone Banking at +1(601) 282-9653
• Deposit a check with your smartphone or tablet through our mobile app.¹
• Deposit a check through the mail with our check deposit by mail form

The availability of funds depends on the type of deposit you make. Please check our Funds Availability Policy for additional information.

For best results, always use a First Commercial Bank-owned ATM. Please use our ATM locator to find the ATM closest to you.

Direct deposit is a method to have payroll checks, government checks, and/or interest or dividend earnings electronically transferred to a checking, savings, or money market account. To set up direct deposit of your payroll, please use our Direct Deposit form. To set up direct deposit of your social security benefits, please visit the social security direct deposit website.

Complete and print out our Direct Deposit form. Once you have completed the requested information, give the form to your company's payroll department. To establish direct deposit of your social security benefits, visit the social security direct deposit website. Funds can be direct deposited into your checking, savings, or money market account.

Your Available Balance is your Balance minus any pending debit card transactions and/or any outstanding holds (for example, holds on deposited checks, fraud/legal holds, or temporary debit authorization holds). Any checks you may have written or ACH transactions that have not posted to your account, Bounce Protection funds, or any funds from accounts(s) you have linked for overdraft (for example, deposit overdraft protection and/or overdraft line of credit) are not reflected in your Balance or Available Balance.

An ACH (Automated Clearing House) transaction is a highly reliable and efficient electronic funds transfer system from your checking or savings account at another financial institution to your First Commercial Bank account or from your First Commercial Bank account to an account at another financial institution. Some of your regular household bills (for example, your auto insurance bill) can be set up as ACH withdrawals as well. ACH transactions are a quick, easy way to transfer funds into your account without sending a check.

Use our Authorization for One-Time ACH Debit of Funds form. This form is valid only to initiate a one-time ACH debit of funds from another financial institution to a First Commercial Bank deposit account. ACH transfers are available only between financial institutions located in the United States.

Wire transfers allow you to transfer funds domestically or internationally to your First Commercial Bank account or to accounts at another financial institution.

Please refer to our Disclosure Guide for the current rate for incoming and outgoing foreign and domestic wire transfers.

• Full name of the person receiving the wired funds 
• Address of the person receiving the wired funds 
• Dollar amount of the wire Routing/ABA number of the receiving bank 
• Account number that will receive the funds

Visit any branch to request a wire transfer.

International and domestic wire transfers requests must be received and submitted by 6 p.m. ET Monday-Friday.

• View rate information through your online banking account. If you are a checking, savings or money market account customer, you can view all your First Commercial Bank accounts at www.suncrestcontinental.com. You can check balances, view a history of your accounts, create custom reports and pay bills from your checking account. Online banking also allows customers throughout the U.S. to apply for certain types of First Commercial Bank checking, savings, loan and certificate of deposit accounts online. 
• Call 24-Voice. You can get current interest rates on your accounts by calling our free 24-Voice telephone banking service at +1(601) 282-9653.

When you open your account, you will receive either a full account disclosure with current rates or an abbreviated disclosure. The abbreviated disclosure includes an annual percentage yield and the interest rate offered within the past seven days.

We will send you a 30-day advance notice when there is a change in terms that reduces the annual percentage yield or otherwise adversely impacts you. No rate reduction change notice is provided to variable rate account holders.

First Commercial Bank's routing number is 272471852.

There are no fees associated with closing accounts that are in good standing. However, if there are any outstanding checks to be paid, the account should remain open until these checks clear. You also have the option of completing an Authorization to Pay Outstanding Checks form to pay from another First Commercial Bank checking account. Certificates of deposit will incur a fee if closed before the maturity date. There is a $15 fee for closing an account within the first 6 months of account opening.

ATM cards are available at your local branch and can be issued and activated during your visit. Debit cards can be ordered at your local branch or by calling First Commercial Bank Customer Service at +1(601) 282-9653 during regular business hours. They will be mailed to you in 7-10 business days.

To activate your new card, call the number on the activation sticker that is affixed to your card. The activation number is (844) 368-1838, or (248) 312-2325 if you are calling from outside the U.S. When calling to activate your card, you will be prompted to create a PIN for your Debit or ATM card.

If you know your PIN, ATM and Debit card PIN changes can be completed at a First Commercial Bank ATM, or by calling First Commercial Bank‘s 24-hour telephone banking service at +1(601) 282-9653.

Please call First Commercial Bank Customer Service at +1(601) 282-9653 during regular business hours so one of our representatives can assist you with resetting your PIN.

Call First Commercial Bank’s 24-hour telephone banking service at +1(601) 282-9653 as soon as you realize your card is lost or stolen. An immediate restriction will be placed on the card so it cannot be used.

Please call First Commercial Bank Customer Service at +1(601) 282-9653 during regular business hours for assistance.

Please call First Commercial Bank Customer Service at +1(601) 282-9653 during regular business hours to review the transaction with one of our representatives. If determined to be unauthorized, you will be required to complete the Unauthorized Electronic Debit Form. Your current card will be closed and a new card will be issued.

If your card is damaged and needs to be replaced, you can go to your local branch, or contact First Commercial Bank Customer Service at +1(601) 282-9653 during regular business hours. A fee may be charged to replace your card.

Deposits can be made at any full service First Commercial Bank ATM and any Allpoint ATM that accepts deposits.

You can use your ATM/Debit card in most countries outside of the U.S. where VISA is accepted. However, before you travel please inform us of the potential use of your card internationally, so we can let you know of any card limitations. You can reach First Commercial Bank Customer Service at +1(601) 282-9653 during regular business hours.

Yes. When you swipe your card at the gas pump, the station generally requests an authorization to confirm that your account is open and active, which shows up as a pending charge. This pending charge may vary from the final purchase price.

Restaurants and hair salons may add an estimated tip to the transaction total when requesting an authorization. Because of this practice, your final purchase amount may vary from the authorized pending amount.

Hotels are allowed to request an authorization for an amount based on your length of stay, applicable taxes, plus additional expected dollar amounts. Cruise lines and car rental companies may also follow this practice. Upon making your reservation, you may want to ask for the total amount of the authorization.

The CVV is a three-digit number located on the back of your card in the signature line. You may be asked to provide your CVV or security code when making a telephone or online purchase. Merchants may ask for this code to protect against unauthorized purchasers using your card number without the card.

Certificates of deposit typically renew automatically for a like term. Check your CD for specific renewal information. The interest paid to the CD account becomes part of the new principal balance upon renewal.

First Commercial Bank will renegotiate a CD over the phone for internet customers during the 10-day grace period. If you opened your account at a branch, either send a letter requesting the CD to be renegotiated or contact your local branch directly.

Renewable certificates automatically renew for an additional like term with a 10-day grace period after maturity. Interest will adjust to the current rate.

During the term, you cannot add additional money to your existing certificate of deposit. During the 10-day grace period, you can add additional funds to your existing certificate of deposit.

You can open a new certificate with a minimum deposit of $500.

When your CD expires, you have a 10-day grace period in which to renew or close your CD without penalty. You can contact us for further instructions.

Certificates with fixed rates:

• Term of 180 Days: 30 days of interest forfeited, earned or unearned 
• Term of 12-24 months: 180 days of interest forfeited, earned or unearned 
• Term of 30-60 months: 180 days of interest forfeited, earned or unearned, or the mark to market penalty, whichever is greater

Interest disbursements can be credited to your CD quarterly or transferred to a First Commercial Bank checking, money market, or savings account monthly.

The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Interest is calculated by the following formula: Principal ($) x interest rate (%) / 365* days x number of days the money was on deposit (*366 in a leap year). Rounding the calculations will alter the result.

We will calculate interest using a daily rate of at least 1/365 of the interest rate. During a leap year, we will use a daily rate of 1/366.

Annual percentage yield is the amount you earn on an interest-bearing investment in a year, expressed as a percentage. For example, if you earn $60 on a $1,000 certificate of deposit (CD) between January 1 and December 31, your APY is 6%. When the APY is the same as the interest rate that is being paid on an investment, you are earning simple interest. But when the APY is higher than the interest rate, the interest is being compounded, which means you are earning interest on your accumulating interest.

Accrued interest is posted to your account monthly, quarterly or when the term of the CD expires.

Visit your online banking account to view your interest rate or call 24-hour Telephone Banking at +1(601) 282-9653.

Yes, if you currently have an active online checking, savings, or money market account.

Paying your home loan online is easy with MyLoans. Once you register, you can access your account 24/7 and make payments. You can also view loan information such as your balance, interest rate and even taxes. You can also get online statements, saving you a drawer full of paper statements. To get started, sign up for MyLoans. Just complete a short form with your name, address and loan information to get your login information.

Bounce Protection is a non-contractual courtesy overdraft program allowing you to enter into an overdraft position without having checks returned for insufficient funds. It is not a loan or line of credit. Bounce Protection is provided as a customer service from First Commercial Bank and can be revoked at any time.

This courtesy is automatically given to you if your account is in good standing, which is defined as making regular deposits and bringing your account to a positive balance at least once every 30 days. Bounce Protection is not added to the account until after a 60 day qualifying period. For information on qualification requirements inquire at your local branch or by calling First Commercial Bank Customer Service at +1(601) 282-9653. Representatives are available Monday - Friday 7:30 a.m.-9 p.m. and Saturday 8:30 a.m.-6 p.m. ET.

The type of checking account you have determines your Bounce Protection limits.

You will be charged a $36 nonsufficient funds fee for each item paid under the privilege.

Please let your Customer Service Representative know if you want to opt out of Bounce Protection, and a service request will be processed for you. You may also complete and submit a Bounce Protection Waiver form located in the Forms Center.

In the event your balance falls below zero for any reason, your overdraft line of credit will kick in to cover any charges or checks. If you use your overdraft line of credit, you will pay interest only on the amount you borrow.

Visit your local branch to apply for this service (Branch Locator). There is no application fee or charge for overdraft lines of credit.

You will be changed interest only on the amount you borrow should your account drop below zero.

Nothing. An overdraft line of credit application must be completed and approved before an overdraft line of credit is available for your use.

Please visit the Forms Center for an Address Change form or log into your banking account at suncrestcontinental.com.

You must sign a new signature card, as well as complete a Name Change Request form.

Additional owners may be added to an individual or joint ownership personal account if all of the existing owners consent. Complete and submit an Ownership Change form located in the Forms Center. A $25 ownership change fee will be charged.

First Commercial Bank may monitor and record your telephone calls (or portions of your telephone calls) to us for quality control, customer service, employee training, security, and other lawful purposes. When you telephone us, you consent and agree to such monitoring and recording. Your consent shall be ongoing and need not be confirmed prior to, or during such monitoring or recording, except to the extent applicable law expressly requires otherwise.

Phishing is a technique used by Internet scammers to steal your personal information. It involves sending authentic-looking emails to a large number of selected email addresses. The emails ask you to provide or confirm personal information, such as login credentials or credit card numbers. First Commercial Bank will never ask you to email us your login credentials, credit card information or account information. If you receive a suspicious email claiming to be from First Commercial Bank, please email abuse@suncrestcontinental.com or call us at +1(601) 282-9653.

First Commercial Bank will never ask you for personal information via an automated phone system or e-mail. However, we may contact you if we detect unusual activity on your debit card. Calls will be made only during hours approved by laws in your state. At the beginning of the call, employees will identify themselves, identify First Commercial Bank and state the reason for the call. If you request, the employee will provide you with a telephone number so that you may contact First Commercial Bank to confirm that the call is legitimate.

An HSA is a tax-advantaged account¹ established to pay qualified medical expenses of an account holder who is covered under a high-deductible health plan (HDHP). The funds contributed to an HSA are not subject to federal income tax at the time of deposit. With money from this account, you can pay qualified healthcare expenses until your deductible is met. Then, your insurance company pays for covered expenses in excess of your deductible. Any unused funds can be used to pay for qualified medical expenses in the future years.

An eligible individual is anyone who:

• Is covered under an HDHP.
• Is not covered by any other health plan that is not an HDHP.
• Is not entitled to Medicare benefits and may not be claimed as a dependent on another person’s tax return.

The HSA can be used:

• To pay for qualified medical, dental, vision and prescription drug expenses as defined in IRS Publication 502.
• As a tax-free supplemental income upon retirement at age 65 for non-qualified expenses; money withdrawn for non-qualified expenses before the age of 65 is taxable and is subject to a 10% penalty.

IRS form 8889 must be completed with your tax return each year to report total deposits and withdrawals from your account. You do not have to itemize to complete this form.

An HSA is tax free if used for qualified medical expenses. Earnings on money in the HSA are not considered part of your gross income. Any interest accrued in the account is not taxable until used.¹

As the HSA account holder, you must ensure that distributions are used for qualified medical expenses. Records of medical expenses should be maintained as evidence that distributions have been made for these purposes. You must also ensure that contributions to the HSA do not go beyond the maximum limits.

The HSA is portable, allowing you to move the account from job to job.

First Commercial Bank’s HSA requires:

• A $50 minimum deposit to open an HSA.
• A $500 minimum daily balance to avoid a $5 monthly fee.
• A $5 annual HSA plan fee.

HSA statements itemizing deposits and withdrawals will be delivered by standard mail or online.

Any eligible individual may contribute to an HSA. If an employee establishes an HSA, the employee, the employee’s employer, or both may contribute to the employee’s HSA in a given year. If a self-employed or unemployed individual establishes an HSA, that individual may contribute to the HSA. Family members may also make contributions to an HSA on behalf of another family member as long as that other family member is an eligible individual.

Contributions: You can set up automatic deposits via a payroll deduction or transfers from another account or make a deposit at a First Commercial Bank branch.

Distributions: Your HSA funds are available by making a withdrawal at a First Commercial Bank branch, by using an HSA debit card or checks ordered for this account

Federal law dictates the annual contributions limits for both singles and families. Individuals who are age 55 and older may also make additional “catch up contributions”. For current limits, refer to www.irs.gov. We recommend you speak with your tax or legal advisor prior to making investment decisions.

Contributions must be made with collected funds (for example, cash, or check). Contributions may not be made in the form of stock or other property. Payments for the HDHP and contributions to the HSA can be made through a cafeteria plan (a plan under which employees are provided the opportunity to choose between one or more employee benefits and cash).

Contributions are fully vested (you are completely entitled to these contributions) and nonforfeitable.

Rollover contributions from Archer MSAs (Medical Savings Account—tax-exempt trusts or custodial accounts to save money for future medical expenses) and other HSAs are permitted. Rollover contributions do not have to be in cash and are not subject to annual contribution limits. Rollovers from an IRA, a health reimbursement arrangement, or health flexible spending accounts to an HSA are not permitted.

Earnings on amounts in your HSA are generally not taxable prior to distribution from your HSA. Please consult your tax advisor for guidance.

Distributions used exclusively to pay for qualified medical expenses of the account beneficiary, his or her spouse or dependents are tax free. This applies even if the account beneficiary is not currently eligible for contributions to the HSA. However, any amount of the distribution not used exclusively to pay for qualified medical expenses of the account beneficiary, spouse or dependents is taxable and subject to an additional 10% tax, except in the case of distributions made after the account beneficiary reaches age 65, becomes disabled or dies¹.

Medical expenses for HSA purposes are defined in Code section 213. of the IRS Publication 502 and are available for review. Tax-free distributions generally include any medical expenses that could qualify as a medical expense itemized deduction on an individual’s tax return. However, the payment of most medical insurance premiums will not qualify for tax-free treatment.

(If a distribution is made from an HSA for medical expenses, those same medical expenses cannot be itemized as a deduction on the individual’s tax return.)

If the account beneficiary is no longer an eligible individual, distributions used exclusively to pay for qualified medical expenses are not taxed.

You can receive distributions from your HSA at any time.

The HSA can only be used to pay for expenses incurred after your enrollment in the HSA program.

Upon death, ownership of the HSA is transferred to your spouse. If the HSA passes to a person other than your spouse, the account is no longer an HSA and funds will be taxed upon distribution.