Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
First Community Bank
Mobile Banking

Security and Support

If you cannot find what you are looking for please contact us using the information below.

Contact Us

General Inquiries
Online & Mobile Banking

Lost or Stolen Debit Card
Monday - Friday 8am - 5pm
After Hours
Fraudulent or Suspicious Debit Card Activity
Monday - Friday 8am - 5pm
After Hours
Mobile Deposit FAQ

Autobooks Support 

Monday - Friday 9am - 6pm
MerchantE Support 
Quickbooks Support
800-446-8848 - Option 2

SCAM ADVISORY: There is a widespread attack on online banking for financial institution customers 

The active scam is not unique to First Community Bank and is widespread among all customers at financial institutions. 

Overview: The fraudster spoofs the financial institution's phone number, calling and informing the customer about a security concern with their account. The fraudster immediately instructs the customer to change their password to something the fraudster conveys as a temporary password. The fraudster then logs in to the customer's online banking, requests an MFA, and has the customer give them the security code verification. At this point, the fraudster has access to the account and begins moving funds through various channels. 

Remember, we will never ask for your passwords or access codes. 


If you receive a call that appears to be fraudulent, hang up and call the bank directly at (866) 526-2114. 




Here at First Community Bank, we’re committed to helping our customers keep their financial information safe. In fact, we offer many security features to help do so.


First Community Bank Security Statement:

We believe that our tag line “Family Owned and Trusted since 1905” says it all.  

If you have any security concerns or questions, please contact Customer Service immediately at 1-866-526-2114.


Lost or Stolen Debit Card

If your First Community Bank debit card has been lost or stolen it is imperative that you contact us to deactivate your card as soon as possible. Prompt notification may reduce the risk of unauthorized transactions and keep potential losses to a minimum.

To deactivate your debit card:

During Regular Business Hours:  

Call us toll-free at (866) 526-2114 to have a Customer Service Representative deactivate your lost or stolen debit card and order you a replacement.

After Hours:  

Call the Lost or Stolen Card Center at (866) 993-2022 to deactivate your debit card immediately. You may also deactivate your card through our mobile app or online banking website.


The most common types of scams will target you through social engineering, fake emails, text messages, voice calls, letters or even someone who shows up unexpectedly. No matter which technique the scammer uses, here are red flags to help you identify scams:

  • You are instructed not to not trust the bank
  • Sense of urgency and pressure to send money right way
  • Threatened with law enforcement action, but they are unable to produce legitimate proof/validation
  • Told to purchase gift cards and provide codes as a form of payment
  • Asked to cash a check for a stranger or send money via wire transfer or Person to Person payment
  • Asked to deposit a check that overpays for something you’re selling, then send the difference back. You may be offered to keep a little extra for your troubles.

If you provide your information or money to a scammer, there are often few options we can do to recover your money.

Knowing about scams and not falling victim to them is the best defense.

Scams are constantly changing, but they have the same goal of stealing your money or identity. Here are some tips on the most common and current types of scams:

With the reported rise of cyber incidents and social engineering. Please be cautious with individuals, either online or in person, attempting to manipulate you into providing personal information.

Read More:

The internet allows businesses of all sizes and from any location to reach new and larger markets and provides opportunities to work more efficiently by using computer-based tools. Whether a company is thinking of adopting cloud computing or just using email and maintaining a website, cybersecurity should be a part of the plan. Theft of digital information has become the most commonly reported fraud, surpassing physical theft. Every business that uses the internet is responsible for creating a culture of security that will enhance business and consumer confidence. Read More:

Protect your identity: Protect yourself by becoming informed.

First Community Bank will never send an email notification to update information or change password.  If you receive such a notification or have any questions, please contact Customer Service immediately @ (866) 526-2114 or


-Access ID & Password Protection

Your Access ID and password are the first line of defense, and act as unique identifiers for your personal or business account. Create unique passwords that are changed frequently and avoid using the same password for multiple sites. You should also avoid using passwords such as your birth date, name, address, or Social Security number. It is recommended that a strong password is used that contains twelve characters, uses a combination of upper and lowercase letters, numbers, and special characters. Do not to share this information with anyone. Identity Theft and fraud attempts are usually conducted with someone the victim knows. When available, utilize bio-metric security features such as Face ID or Touch ID for added safety. 

Avoid allowing your computer or a public computer to “save” or “store” your password.  Allowing your computer to remember login information gives anyone with physical access to your computer the ability to log in to your accounts.

-Secure Messaging

With First Community Bank’s Internet Banking system you are able to securely communicate with Customer Service via our Secure Message Center. 

-Cookies: -This website uses cookies.

Cookies are unique identifiers that we transfer to your device to enable our systems to recognize your device and provide personalized banking services. 

Cookies help to improve our website's performance by remembering your browsing preferences when you visit our website or use our app.

Most browsers are automatically set to accept cookies. However, you have the ability to disable cookies through changing your internet software browsing settings. To manage your use of cookies there are various resources available to you, for example the "Help" section on your browser may assist you. You can also disable or delete the stored data used by technology similar to cookies by managing your browser's "add-on settings" or visiting the website of its manufacturer. 


-Multifactor Authentication: First Community Bank Online Banking uses multifactor authentication to protect customer accounts from unauthorized access. Due to their increased complexity, authentication systems using a multi-factor configuration are harder to compromise than ones using a single factor. You will need to provide your username and password along with a secure code to access your account. This secure code is a virtual token that identifies the device you're using to access your account. We only deliver secure codes via text, phone or email based on information the customer provides during enrollment.

-Security Alerts: Online Banking users can receive security alerts by phone or email. Some of these alerts are defaulted, but there are also optional alerts that users can set up for added security.

-Transaction Authorization Code: A transaction access code is an optional security feature available to all Online Banking users. Our customers have the option to choose a dollar limit for a specified transaction type that will require a secure access code to verify their identity if the limit is exceeded. The secure code can be delivered via email, text, or phone call then, once received, would be used to authorize the transaction.

Cybersecurity for Small Business:

Microsoft Safety & Security Center:



  • Risk Fraud Analytics: A security feature that analyzes each outgoing ACH transaction that our business customers create. The Risk Fraud Analytics feature looks at the user’s transaction history, login history, the recipients who are receiving the payment, and endpoint interrogation which breaks down the user’s computer to try to determine if they are logged on from a different computer than usual. If any of these items fail the analysis, we are notified and manually review the transaction. In most cases we are able to clear the hold after review, but in others we must contact a signer for further verification.
  • Transaction Limits: This security feature is required for all of our ACH customers and the limits are agreed upon by both First Community Bank and the specific ACH customer themselves. These limits vary from customer to customer and they include per transaction amount, the number of transactions that they can send each day, and number of transactions they can initiate each month.
  • Dual Approval: Dual Approval is an optional security feature that is designed for our business customers. This process consists of the first user drafting the transaction, the second user receiving notification of the transaction that needs approved, and then the 2nd user authorizing the transaction.

Safeguarding Your Information

At First Community Bank, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.

  • Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as, the real one. The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
  • Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails. If you ever receive a suspicious e-mail representing itself as First Community Bank, please forward the message in its entirety to
  • Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all of your programs and operating systems regularly.
  • Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person.
  • Monitor your account activity frequently using our free Online and Mobile Banking services.
  • Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
  • Set up a personalized Phishing Phrase for your Online Banking so that you always know when you are on our secure Web site.

Please keep in mind that we will never ask for or email you requesting your online banking password. We may, on occasion, call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid having your account temporarily disabled for security purposes.

In case of errors or questions about your electronic transfers, call or write us at 200 E. Main St., Harbor Springs MI, 49740 or (866) 526-2114 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

We encourage you to review our Privacy link under Customer Notices which can be found at If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at (866) 526-2114 or via e-mail at

Policies & Notices:

Privacy Notice: PDF



To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


It is the policy of First Community Bank (the “Bank”) to make you aware of our business continuity plans in case of an emergency. The Bank plans are designed to ensure that our operations will continue to function with little or no disruption, that our customers’ accounts will be secure and accessible, and that our customers will be able to reach us regardless of the scope of the situation or event. The Bank has developed a Business Continuity Plan (BCP) with respect to how we will respond to events that could significantly disrupt our operations. Our BCP was designed to be flexible in responding to actual events as they occur, since the timing and impact of disasters and disruptions is unpredictable. With that in mind, we are providing you with this information.

Contacting Us. Should one of our branch or facility locations be affected we will move the operations to our alternate location where we are able to serve our customers as effectively as possible. Calls to the affected location will be re-routed to the alternate location where we have access to all of the same systems to serve you. In the event of a prolonged disruption to one of our branch or facility locations, our BCP provides for more permanent relocation of staff to an alternate location, where we will continue to provide the best service possible. If you cannot access us through our telephone lines, our website will be updated with further information at

Business Continuity Plan. It is the policy of the Bank to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the Bank’s books and records, and allowing our customers to transact business. Our BCP is designed to permit us to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our BCP addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, and counter-party impact; regulatory reporting; and assuring our customers prompt access to their accounts if we are unable to continue our operations.

We back up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, the objective is to restore our operations and be able to complete existing transactions and accept new transactions as soon as possible. Your transactions could be delayed during this period.

Varying Disruptions. Significant business disruptions can vary in scope, such as a single office or facility, the immediate area where more than one office or facility is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption where only a single location is affected, we will transfer our operations to a location when appropriate and expect to recover and resume operations as soon as possible. In a disruption affecting multiple offices or facilities such as a city or region, we will transfer our operations to a location outside of the affected area, and recover and resume operations as soon as possible. In either situation, we plan to continue in business, and will notify you through our web site at All telephone calls placed to our main line will be forwarded to our alternate location if telephone service has not been interrupted.

Additional Information. Please contact us by telephone at (231) 526-2114 or by e-mail at if you have questions about the Bank’s Business Continuity Plan.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Join Remote Support Session