|Online & Mobile Banking||231-526-4160
Lost or Stolen Debit Card
Monday - Friday 8am - 5pm
Fraudulent or Suspicious Debit Card Activity
Monday - Friday 8am - 5pm
Automated telephone banking system.
Must be enrolled, click for instructions on text banking.
Mobile Deposit FAQ
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 concern or question, please contact Customer Service Immediately at 1-800-523-2114
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.
Call the Lost or Stolen Card Center at (800) 236-2442 to deactivate your debit card immediately.
Online Banking Security
-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 and change them frequently. Avoid using passwords such as your birth date, name, address, or Social Security number. Use 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.
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.
With First Community Bank’s Internet Banking system you are able to securely communicate with Customer Service via our Secure Messaging system.
Protect your identity: -Protect yourself by becoming informed.
Fraudulent emails (phishing) and fraudulent Websites are used to trick people into providing personal information that can be used for identity theft.
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 Server immediately @ (866) 526-2114 or InternetBanking@FirstCB.com.
To help increase your digital security, assist in protecting against ID Theft, and online fraud, First Community Bank has provided a few training links below:
Cybersecurity for Small Business:
Microsoft Safety & Security Center: http://www.microsoft.com/security/default.aspx
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 email@example.com.
- 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 https://www.firstcb.com/customer-notices 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 firstname.lastname@example.org.
Policies & Notices:
Privacy Notice: PDF
CUSTOMER IDENTIFICATION NOTICE
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.
BUSINESS CONTINUITY PLAN DISCLOSURE STATEMENT
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 www.firstcb.com.
• 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 www.firstcb.com. 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 email@example.com if you have questions about the Bank’s Business Continuity Plan.
FDIC TEMPORARY LIQUIDITY GUARANTEE PROGRAM
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
USA PATRIOT ACT
Preventive Security Features for ALL Online Banking Users
- 1. 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.
- 2. 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.
- 3. 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.
Security Features for Business Users with ACH Origination Rights
- 1. 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.
- 2. 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.
- 3. 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.
- 4. Detect Safe Browsing: Detect Safe Browsing (DSB) from Easy Solutions® is an innovative tool created to help protect the final users from the electronic fraud modalities commonly used on the Internet. Within the protection capabilities of the application, you will find a connection analysis and system-scanning feature. Such scanning identifies three possible attacks:
- Malware: Malicious software that attempts to affect the information integrity of the device.
- Phishing: Web site impersonation performed by a non-authorized third party to get confidential information for criminal purposes.
- Pharming: Manipulation of system information performed by non-authorized users, who re-direct the access from real web sites to fake sites and thus commit fraud.