Personal Online Banking Security
We take the security of your private information seriously.
Secure Socket Layer (SSL)
All information within personal online banking uses a high-level method called Secure Socket Layer (SSL) protocol for transferring data. SSL is encryption that creates a secure communication environment for the information being transferred between your browser and First Commercial Bank.
One-time passcode
We use a one-time pass code as an additional security measure to confirm your identity when your communication device is not recognized by our server.
One-time pass codes:
- Add more security protection than only a username and password. (This will help make it safer when you log in from public computers in such places like hotels, cafes, or airports)
- May be required each time you log in from your personal device if your device does not permit cookies to remain within your browser, or if our security system detects a change in your activity patterns. (Specifically, cookies are messages that Web servers pass to your Web browser when you visit Internet sites. Only the website that creates a cookie can read it, so other servers do not have access to your information.)
The one-time pass code is sent to “something you have,” such as your cell, home phone or email. Our recommendation is to utilize text messaging or the “Call Me” feature which will call your phone and provide the one-time pass code to you. An alternative method would be to utilize the email option which provides the pass code to the email you have provided.
Behavior analytic software- First Commercial Bank employs behavior analytic software and monitors personal online banking activity to understand and improve our services. Any possible fraudulent, suspicious or unauthorized activity of our services is investigated to protect all of our customers.
Enhanced security FAQs
Security is a key component of accessing your accounts online. Enhanced Online Security Login is an additional authentication layer that we are taking to ensure your information is secure to prevent fraud and identity theft. This authentication uses a temporary pass code that will be required before you are provided access to the account.
A temporary pass code is a six digit number that is sent to you via automated voice call, text message, or e-mail. You can receive your pass code by providing a phone number or email address during the enhanced security login setup. You will need a temporary pass code each and every time you log in from a "public" computer. The temporary pass 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.
Our system reads information to verify your identity. Each time you log in to the online system First Commercial Bank identifies you, and it identifies itself to you through a unique authentication and electronic method. When logging in, if we do not recognize your computer or mobile unit, we will ask you for a security pass code. You are provided three methods to receive the pass code, once you receive and enter the pass code correctly, your session will continue.
First Commercial Bank supports the following browsers for online banking:
- Internet Explorer versions 8 and 9
- Firefox
- Safari 6
- Chrome
Operating system requirements are: Windows XP, Vista and 7, Macintosh OS X.
When you log in to your account, you can select to save time and skip the step of requiring the pass code if the personal computer is private. Selecting "YES" will only require your Username and Password the next time you log in from this computer. However, we recommend you select "NO" if the computer is a public computer. This will require a temporary pass code during login from a “public” computer or device the First Commercial Bank system does not recognize. Some firewall and antivirus software may delete your cookies which can result in requiring a pass code each time you log in.
First Commercial Bank employs behavior analytic software and monitors online banking activity to understand and improve our services. Possible fraudulent, suspicious or unauthorized activity of our services is investigated to protect all of our customers.
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Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.