Online banking is available for personal checking, savings, Certificates of Deposit, and money market accounts. Select consumer loan accounts are also available for viewing in online banking for the primary borrower only; limited loan information may be available for select loans. Consumer loans must be in good standing.

It allows you to pay your bills and manage your money in a fast, easy and secure online environment. It is free to all our personal deposit account customers. Online banking lets you view your accounts, consolidate, and pay your bills all in one place.

With our online banking, you can:

• View account details and balances
• Transfer funds between your accounts
• Organize all your bills in one place
• Send secure messages to First Commercial Bank
• Pay multiple bills quickly, from the same screen
• Receive email notices when your eBills arrive
• Keep an online record of payments for six months
• View 24 months of statements
• View six months of check images
• Receive text or email alerts
• View many of your financial accounts and access personal financial management tools through MyWallet

Once your checking, savings, or money market account is opened, you can sign up for online banking by calling +1(601) 282-9653 or at a First Commercial Bank branch.

To view your account, visit www.suncrestcontinental.com and select Online Banking from the Login box on the right, then enter your username and password. If we do not recognize the computer you are using, you will need to enter a one-time validation to gain access to your account. Once you are logged in, you will be able to navigate the website via the toolbar on the top of the page.

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.

Our secure messaging service allows you to communicate with us from within online banking. You may include account numbers and any other information that may help us better assist you with your questions. Please use the messages feature within online banking instead of email. You will receive an email from us letting you know we have responded to your inquiry.

We offer the following frequencies:

• Once
• Week
• Twice monthly
• Every two weeks
• Every four weeks
• Monthly
• Quarterly
• Twice yearly
• Yearly

You may set up text and/or email alerts for the following:

• Above/below balance thresholds
• Transactions greater than a dollar amount you specify that post to your deposit account
• Transactions of a specific dollar amount that you specify that post to your deposit account
• Balance alerts Alerts when transactions post to a specific deposit account. (Limited to one account.)
• Low balance transfer alert
• Low balance transfer action

You will automatically receive the following security alerts to your primary email address if one of the following events occurs:

• Postal address, phone number, or email address has been changed
• User is locked out
• Password has been changed
• Username has been changed
• Forgot username link was used
• New messages are available to review within the secure message center
• An incorrect answer was entered for a challenge question
• Challenge answers are changed

Click on the Mobile & Alerts tab in the online platform. Under My Mobile Devices, select Add New Mobile Phone. From there, you may register your phone, enroll in text and mobile browser banking, manage alerts, and download our mobile apps.

First Commercial Bank's online banking can export financial transaction data in a format specific to certain versions of QuickBooks or Quicken. Online banking can also create a comma-delimited text file that can be read by most database systems, spreadsheets, word processors, etc. or an HTML file for display in a browser. Quicken or Quickbooks Direct can also be used.

Pending transactions are transactions that have not yet been posted to your account. When you use a debit card to pay a merchant you are authorizing the transaction amount. These transactions will not be posted to your account until the bank receives and processes them from the merchant.

For many merchant transactions, the merchant will send the exact amount of the transaction. For example, if you purchase groceries for $21.02, the grocery store will ask you to authorize a $21.02 charge or debit to your account. This amount would then display as a pending transaction in the amount of $21.02 on your account until it is posted.

In some cases, the merchant doesn't know the transaction amount until after the purchase is complete, like a purchase at a gas pump. Before you begin filling your tank, you're asked to swipe your debit card to approve your purchase. A $1 charge may be placed on your account temporarily until it's replaced with the actual purchase amount. As an example, if your gasoline purchase is $45.09, the merchant will be paid $45.09 and that amount will be posted to your account. Until the merchant submits the actual amount of your purchase, you may see a $1 charge in the pending transaction section of your account activity page or you may not see the purchase until the merchant submits the actual amount of your purchase. You should always immediately deduct the actual purchase amount from your balance, even though it could take a few days for the money to be taken out of your account.

For your convenience, pending transactions appear on the the account activity page under a section named Pending.

The bill pay feature, available through online banking, allows you to view, manage and pay both paper and electronic bills (eBills).

The bill pay service is free, but fees do apply for Expedited Payments.¹

Log in to online banking and click Bill Pay for immediate access to bill pay.

We offer three types of transfers:

• First Commercial Bank-to-First Commercial Bank transfers (transfers between your accounts here at First Commercial Bank)
• Transfer between my accounts (transfers between your accounts at other banks)
• Zelle (Zelle transfers between you and another person)

Transfer between my accounts is offered through your online banking account. It allows personal online banking customers to transfer money electronically quickly in a safe, secure environment without writing and mailing checks. For example, you can transfer funds electronically to your First Commercial Bank account from your account at another financial institution or a brokerage house. A transfer is available only for transfers between U.S. financial institutions or brokerage houses.

The minimum transfer amount is $10.

Yes, you will have access to up to 24 months of eligible account statements.

A verification code is a six digit number that is sent to you via automated voice call or text message. You can receive your verification code by providing a phone number during the enhanced security login setup. The code is time sensitive and valid only for a certain number of minutes. If you do not use the code within the set minutes, you may request a new code to be sent to you.

When you log in to your account, you may be prompted for a verification code.

Mobile banking¹ gives you access through an internet-enabled mobile device. Mobile banking's services include:

• View account balances and deposit account transactions
• View check images
• Save time with mobile check deposit²
• Pay bills
• Transfer funds
• View and cancel pending payments
• Use Zelle³ to pay another person
• See account balances instantly
• Receive text alerts
• Locate ATMs, branches, and loan centers
• Log in with Touch ID on eligible iPhones and iPads⁴

¹Not all devices may be supported. Customer eligibility required.  Personal customer checking and savings accounts only. 

²Must 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.

³Zelle is a registered trademark of Fiserv, Inc. or its affiliates. Fees may apply.

⁴Touch ID is available to users on iPhone 5s or later, iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 or later running iOS8 or later.

iPhone and App Store are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

• Account summary
• Instant balances
• Text alerts
• Deposit account transaction history and running balance
• Mobile check deposits²
• View check images
• Transfers
• Bill payment
• View and/or cancel pending bill payments
• Send Money With Zelle®³
• Locate an ATM, branch, or loan center
• Add a bill pay or Zelle³ payee
• Login with Touch ID on eligible iPhones and iPads⁴

¹Not all devices may be supported. Customer eligibility required.  Personal customer checking and savings accounts only. 

²Must 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.

³Zelle is a registered trademark of Fiserv, Inc. or its affiliates. Fees may apply.

⁴Touch ID is available to users on iPhone 5s or later, iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 or later running iOS8 or later.

Text banking is a service which allows you to quickly request and receive account information via text message without having to sign in.

Text any of the commands below to FLGSTR (354787):

• BAL—returns a list of registered accounts and their balances
• HIST —returns a list of transactions for the registered account name
• MORE—returns additional transaction for the same account specified in a HIST request. (Must be sent after a
  HIST request.)
• ATM —returns the address of the nearest ATM in corresponding ZIP code
• BRANCH —returns the address of the nearest BRANCH in corresponding ZIP code
• NEXT—returns an additional nearby ATM or BRANCH for the same ZIP code. (Must be sent after an ATM or
  BRANCH request.)
• HELP, HELP *, HLP, HLP *—returns a short list of common instructions, support information, and how to cancel
  the service
• CANCEL, CANCEL ALL, CANCEL *, QUIT, QUIT ALL, QUIT *, UNSUBSCRIBE, UNSUBSCRIBE ALL,
  UNSUBSCRIBE *, END, END ALL, END *, STOP, STOP ALL, STOP *—stops the delivery of SMS text messages
  (both SMS banking and alerts) to the mobile number. Deregisters the mobile number from SMS banking and
  alerts.

Instant balances are account balances that you can access from the iPhone, iPad, or Android mobile banking app login screens without having to log in.

No, it's free for First Commercial Bank customers.

Try these tips:

• Passwords are case sensitive, so make sure you are entering your password exactly as it is set up
  
• If your password begins with a lowercase letter, you may need to use your phone's 'shift' key to change the default from uppercase to lowercase
  
• Some phones require an additional press on the 'shift' key to enter numbers instead of letters

Every mobile carrier has a different rate plan for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also incur different fees for text messaging and data services access. Please contact your mobile provider directly if you aren't sure what fees you may be charged to use text and browse the web.

Yes, there is a specific First Commercial Bank app for iPad.

No. At this time, we don't have an app available for Android tablets. Please visit m.suncrestcontinental.com, then select Touch Browser.

Yes, the results will show both Allpoint and First Commercial Bank ATMs.

Yes. Mobile deposits are available with First Commercial Bank's mobile app using Android smartphones and Apple devices with rear-facing cameras.¹

¹Not all devices may be supported.

No. There is not a fee for the service, however, mobile carrier fees may apply.

For consumer accounts: $5,000 in any one (1) Business Day, $10,000 in any rolling seven (7) day period, and $20,000 in any rolling thirty (30) day period.

For business accounts: $5,000 in any one (1) Business Day, $20,000 in any rolling seven (7) day period, and $30,000 in any rolling thirty (30) day period.

The maximum aggregate deposit amount for “new customers” cannot not exceed $1,000 in any rolling thirty (30) days. You are a “new customer” for sixty (60) days after you open your first Account with us. Some individuals may qualify for higher limits. SimplyOne, Next Step, and Next Step 2 accounts are not eligible for Mobile Check Deposit.

Yes—up to $200 is available immediately, and remaining funds may be available within two business days. Longer holds may apply in some cases (please refer to your Disclosure Agreement.) If the check deposited is greater than $200, the remaining, pending funds will be listed on your transaction history screen in the “Amount” column, as well as the date the funds will release.

We do, however, review each item and may return the check if there are issues with the deposit. Examples of this may include checks returned for insufficient funds in the check writer’s account, post-dated or stale-dated checks, or checks ineligible for the service. The available balance will include up to $200 in a single business day for deposits through the mobile channel per customer per account.

First Commercial Bank will reject the deposit, and you will be required to bring the check into a branch.

Alternatively, you may mail the check to:

First Commercial Bank
Memorial City Mall
303 Memorial City Way, Houston, TX 77024

To prevent this oversight from happening, always write “deposited” on the face of checks you have submitted and validated were deposited. If a check is deposited a second time, we will deduct the funds from your account equal to the duplicate deposit amount. First Commercial Bank reserves the right to remove you from the mobile deposit service if duplicate deposit attempts occur.

30 days.

You should confirm your check has been deposited, then destroy the check after 30 days.

You must have an account that qualifies for mobile deposit and also be a customer for a minimum of two business days.¹

¹Not all devices may be supported.

• Take photo in a well-lit area
• Prevent glare—do not use your flash
• Avoid shooting from angles to ensure check appears correctly
• Place check on an even surface to avoid angles and blurring of image
• Ensure all aspects of check are included in the picture
• Hold phone steady while shooting
• Place the check on a dark  or a contrasting surface
• Place the back of the check with the endorsement signature on the right hand side
• Make sure information on check is legible
• Check amounts (those written both numerically and spelled out) should match
• Make sure check has been endorsed by all appropriate parties, i.e. if the check is written out to you and another individual,you both most endorse the check. If check is written to you or an additional person, (as indicated by “Jessica or Lisa Thomas” or “Jessica/Lisa Thomas”) only one of you needs to sign.

• Checks not payable to the account owner
• Altered checks, or suspect checks
• Checks payable jointly, unless deposited into an account with the names of all payees
• Checks dated more than six months prior to the date of deposit or in the future
• Checks drawn against a line of credit
• Checks drawn on banks located outside the US
• Checks drawn on US banks in a foreign currency
• Electronic check images of items previously processed
• Electronic check images previously converted to substitute checks
• Electronic items with unreadable MICR information

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank². Ask your recipient to enroll with Zelle before you send them money. This will help them get your payment more quickly.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

²Must have a bank account in the U.S. to use Zelle.

When you enroll with Zelle through First Commercial Bank Online or Mobile Banking, your name, the name of your bank and the email address or U.S. mobile number you enrolled with is shared with Zelle. (No sensitive account details are shared – those stay with your bank.)

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its directory and notifies your bank of the incoming payment. First Commercial Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

Zelle is available through Online and Mobile Banking. Log into your account and look for Send Money With Zelle^®, then follow a few simple steps to enroll with Zelle. If you need to sign up for Online Banking, visit our Online and Mobile Banking  page.

You can send, request, or receive money with Zelle. Log in to First Commercial Bank Online or Mobile Banking and select Send Money With Zelle^®. (If you haven’t already enrolled with Zelle, log in to online banking, select the Pay and Transfers menu, then choose Send Money With Zelle^®.) 

To send money, add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes¹.

To request money, choose Request, select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review, and hit Request⁴.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

⁴If you are speaking about the Split or Request feature within Zelle you must add the following disclaimer:

In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled in Zelle.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team at +1(601) 282-9653 and ask them to move your email address or U.S. mobile phone number to First Commercial Bank so you can use it for Zelle.

Zelle is a great way to send money to family, friends, and others you trust such as your personal trainer, babysitter or neighbor².

Since money is sent directly from your bank account to another person’s bank account within minutes¹, Zelle should not be used to send money to people you don’t know or trust.

Zelle does not offer a protection program for any authorized payments made with Zelle – for example, if you make a purchase using Zelle but you do not receive the item or the item is not as described or as you expected.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

²Must have a bank account in the U.S. to use Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.

2. Select First Commercial Bank as your bank.

3. Follow the instructions to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification. Be sure to enroll in Zelle with that email address or U.S. mobile number to ensure you receive your money.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select Cancel This Payment.

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call Customer Support at +1(601) 282-9653.

Money sent with Zelle is typically available to an enrolled person within minutes¹. Ask your friends and family to enroll with Zelle before you send them money. This will help them get your payment even faster.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly into your recipient's account. Once they receive their first payment, your recipient will be able to receive future payments faster, typically within minutes¹.

If your payment is still pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number. If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call Customer Support at +1(601) 282-9653.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

Yes. They will receive a notification via email or text message.

Keeping your money and information safe is our top priority. When you use Zelle with online or mobile banking, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk, just like sending cash to a person you don’t know is high risk. Neither Zelle nor First Commercial Bank offer a protection program for any authorized payments made with Zelle – for example, if you make a purchase using Zelle but you do not receive the item or the item is not as described or as you expected.