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First Community Bank
Mobile Banking


First Community Bank Security Notice:

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.

General Inquiries
Online & Mobile Banking 231-526-4160



Checks aren’t in the mail yet - Paper checks, for those without direct deposit, will start arriving in May at the earliest. 

  • If you get a relief check before then, or you get a check when you’re expecting a direct deposit, it’s a scam.

Overpayments - The IRS won’t send you an overpayment and make you send the money back in cash, gift cards or through a money transfer. 

  • Scammers may send an official-looking check for more than what you were expecting — $3,000, for example — and then call. They’ll tell you to keep your $1,200 payment and return the rest. 

  • The fake-check scam will leave you owing money to the bank.

Contact - The IRS won’t contact you — whether by phone call, text or email — to collect personal or bank account information. 

  • Hang up on calls related to stimulus payments, don’t click on any hyperlinks or attachments in e-mails or texts related to the checks. The same goes for websites and social media. 

  • Some scammers are sending official-looking messages, including postcards with a password to be used online to “access” or “verify” your payment or direct deposit information.

Early access - No one has early access to this money. 

  • Anyone that claims to provide early access is a scammer.


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.

-Secure Messaging

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

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:

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.


Cybersecurity for Small Business:

Microsoft Safety & Security Center:


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