GENERAL FAQs
What is First Commerce’s routing number or ABA #?
First Commerce's routing/ABA number is 263182516.
How can I find a non-First Commerce surcharge-free or deposit accepting ATM?
In addition to our ATMs at each of our locations, First Commerce is also part of the nationwide surcharge-free MoneyPass network which includes some deposit accepting ATMs. We're also part of the Publix Presto network which allows surcharge-free withdrawals.
How can you help me improve my credit?
In our quest to be our members' financial partner for life, First Commerce offers many resources and assistance to our members. For information about how to improve your credit, please visit the Learn section of our website, including Understanding your Credit Report and our SmartMoney Online workshops. For specific programs we offer, see information about our Credit Success and Drive Happy programs and share-secured credit card. For individual assistance, meet with our Financial Service Officers at any of our locations.
CURRENT MEMBERS – ONLINE OR MOBILE ACCESS
I’m having trouble logging into one of my First Commerce accounts.
Most access issues are a result of forgotten usernames or passwords. Please follow the link to reset your password.
Digital Banking
- Use the “Reset Password” link, which will reset your password for both online and mobile banking.
iAlerts! real-time text/email alerts account
- Use the “Forgot my password” link on the iAlerts! login page
- As a reminder, your username is the account number (if you have more than one account, you’ll have to login to each account to edit/add alerts)
- The default password is the last six digits of your Social Security number (no dashes)
First Commerce mortgage account
- Use the “I Forgot My Password” or “I Forgot My Username” link on the mortgage account login page.
FCCU Prepaid/Reloadable Card account
- Use the “Forgot Password?” link on the prepaid/reloadable account login page or call 1.800.416.6373.
IDT911 identity theft protection account
- Use the “Forgot Password” or “Forgot Username” link on the IDT911 login page.
If you are unable to resolve the access issue, please contact us and we will be happy to assist you:
- Email . Messages received after regular business hours will be responded to the next business day.
- Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose”
- Call 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.
- Visit one of our locations (hours vary as noted).
How can I access my First Commerce 1st mortgage account online?
I started opening a First Commerce account or applying for a loan online but need help. Who should I contact?
- Email . Messages received after regular business hours will be responded to the next business day.
- Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
- Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
- Visit one of our locations (hours vary as noted).
Where can I find Digital Banking Help?
CURRENT MEMBERS
My debit card isn’t working.
If your debit card isn’t working, it could be for a number of reasons from suspected fraud to technology glitches. Please contact us and we will be happy to assist you.
- Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
- Email . Messages received after regular business hours will be responded to the next business day.
- Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
- Visit one of our locations (hours vary as noted).
I am having trouble activating my new debit card.
To activate a new debit card, please refer to the sticker on the card you received. Please note you must call from the primary phone number we have on file for the main accountholder. You may also call us at 850.488.0035 or 1.800.533.5772 to verify the information we have on file; however, for security reasons, we cannot update your information via phone.
How can I check my balance?
There are several easy ways to check your balance.
- First Commerce's electronic services include online banking, mobile banking, mobile deposit, and real-time text/email alerts. To enroll, see the related FAQ above.
- Once enrolled in mobile banking you can choose to bank by text message where you can text BAL and get an instant balance on all of your accounts.
- Call Member Account Line, our automated phone system, at 850.922.7282 or 1.800.526.4314.
- Visit a First Commerce ATM or a surcharge-free ATM including Publix Presto! and our nationwide Accel network. Balance inquiry & withdrawal fees may apply.
- Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.) With this option, a $2 fee applies.
- Visit one of our locations (hours vary as noted).
I see a transaction or fee in my account that I’m not sure about.
If you see a transaction or fee in your account that you are unsure about, please contact us and we will be happy to assist you.
- Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
- Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.” Messages received after regular business hours will be responded to the next business day.
- Visit one of our locations (hours vary as noted).
When I make a debit card transaction, how soon are the funds taken out of my account?
Once you make a debit card transaction, funds are held for the purchase immediately and can actually clear immediately, but most will clear by the second or third day from purchase. One easy way to track when your transactions are clearing is by signing up for iAlerts!, real-time text and email alerts.
Why are you holding more funds than my transaction amount?
The amount we hold is determined by the merchant with whom you conducted the transaction. Restaurants often preauthorize a hold of 20% over the cost of the meal to leave room for a tip. Hotels take a similar approach, preauthorizing more than the cost of the room to cover incidental expenses. Gas stations often preauthorize $75 or more, not knowing how much you will pump. Once the transaction comes through, any authorization holds are released, regardless of the amount of the charge.
How can I change my PIN on my First Commerce card?
To change your PIN for your First Commerce MasterCard debit card, please call 1.800.757.9848.
To add or change a PIN on your FCCU VISA Credit Card, please call 1.877.PHONPIN (746.6746).
To change your PIN on your First Commerce MasterCard Prepaid Card, please call 1.800.416.6373.
How do I stop payment on a check?
There are several convenient ways to stop a check. Fees may apply, although there is never a charge for stolen checks.
- Log into online banking and click on the account used, select “stop payments,” and indicate the check number or range of check numbers
- Visit one of our locations (hours vary as noted).
I’m going out of the country or traveling to another part of the U.S. – who should I notify about my travels to help ensure my First Commerce debit or credit card will work?
If you are planning to travel, please notify us to help ensure your First Commerce debit or credit card will work while you’re gone.
- Call our Contact Center at 850.488.0035 or 1.800.533.5772 during regular business hours (Monday-Friday, 9 a.m.-6:30 p.m. ET or Saturday, 9 a.m.-1 p.m. ET.)
- Send a secure message via online banking by clicking the envelope icon in the top bar and then clicking “compose.”Messages received after regular business hours will be responded to the next business day.
- Visit one of our locations (hours vary as noted).
How do I check or update my contact information?
It is important to keep your contact information up-to-date so we can contact you if we suspect fraud or need to communicate other important information to you about your account(s). You may view and change your contact information in iBranch! online banking under “settings” and then “profile,” or by visiting one of our locations. You may also call us at 850.488.0035 or 1.800.533.5772 to verify the information we have on file; however, for security reasons, we cannot update your information via phone.
CURRENT MEMBERS – FRAUD OR LOST/STOLEN CARDS/CHECKS
How do I report suspected fraud?
It’s important to report fraudulent account activity or identity theft right away. Call us to report fraud at 850.488.0035 or 1.800.533.5772, log into digital banking and send us a secure message, or email us at . For more information, visit our Fraud and Security page.
What should I do if my First Commerce card is lost or stolen?
What should I do if my checks are stolen?
To report lost or stolen checks, log into Digital Banking and click on services, select “stop payments,” and indicate the range of check numbers, or call 850.488.0035 or 1.800.533.5772.
To stop payment on any outstanding checks that you are unsure of, contact First Commerce by calling our Contact Center (850.922.7282 or 1.800.526.4314). Cancel your checking and savings accounts and obtain new account numbers. If your own checks are rejected when you try to use them, contact the merchant’s check verification company.
If you are a victim of identity theft, get guidance from our partner, IDT911.
To stop payment on a check, see above FAQ for information.
FUTURE MEMBERS OR ADDITIONAL LOANS/ACCOUNTS
What do I need to open a First Commerce account (including Kids Club accounts)?
- If you open your First Commerce account online, you will be asked a series of security questions to verify your identity.
- To open a First Commerce account in one of our financial centers, please bring your official photo ID (ie. Driver’s license, passport, or military or other government-issued ID card) and Social Security card.
- Sammy Squirrel Kids Club accounts must be opened in one of our financial centers. Please bring your child’s birth certificate (original or certified copy) and Social Security card.
I started an online membership application but didn’t finish. How can I pick up where I left off?
If you made it far enough into the application to enter an email address, you should have received an email from us with an application number and link. This link and number will allow you to complete the same application you started. If you did not give us your email address or did not receive the reminder email, please start a new application.
How do I set up direct deposit and how long will it take for my direct deposit to start?
Enroll in Direct Deposit to have your paycheck automatically deposited into your account on your payday. Simply complete this Direct Deposit Authorization form or one provided by your employer or the source of the funds and return it to their Accounting department today! If you are unsure whether certain funds can be direct deposited, check with a Financial Services Officer at one of our locations or call us at 850.488.0035 or 1.800.533.5772.
When your direct deposit will start depends on your employer or the source of the direct deposit, but typically after the request is turned in, you will receive one more check or direct deposit into your old account and then your direct deposit into your First Commerce account will begin.