Always Improving Our Community
The Latest Technology for better Banking
On Monday Sept. 16, 2024 First Century Bank is upgrading our online banking systems as
well as our overall technology platform. These enhanced systems are designed to deliver multiple benefits to our clients:
- Greater security
- Online banking app available for Apple & Android
- Enhanced Positive Pay functionality, providing greater security for our commercial clients
- Updated debit cards featuring contactless "tap to pay" functionality
- Person to person (P2P) payments
- Much more
Any questions? You can start by reviewing our Frequently Asked Questions below.
Frequently Asked Questions
General
Why is First Century Bank making this change?
The Bank has decided to convert from its existing system to
ensure that we are providing ongoing enhancements and the latest technology to stay competitive within
the market and provide our customers with the best user experience. The enhanced features will provide
for improved efficiency and security for our clients. We will be implementing the new system changes
on September 16, 2024, but in the upcoming months, new functionality and features will be rolled out.
Bank Account Numbers
Will my Routing Number and Account numbers change due to this conversion?
No, your routing number and account numbers will stay the same. All existing checks can be used before and after conversion without interruption.
Deposits
If I receive direct deposits & anticipate receiving a deposit, a
paycheck, on September 13, when will it be available in my account?
It will be available in your account on Monday, September 16,
2024. We are not changing any account numbers or routing numbers, so the deposit will remain pending
and be processed over the weekend. It will then be available to you on Monday, September 16, 2024.
Do I need to update direct deposit information with any
merchants or employers?
No, all routing and account numbers will remain unchanged.
Will I get new checks? Will my old checks work?
Your current checks will continue to work, so you will not need to order new checks as a result of this conversion.
Consumer Online Banking
How will recurring bill payments and transfers be handled? Do I need to do anything before the conversion, like documenting each recurring payment and transfers?
Payees from the previous bill pay system will be automatically moved over to the new system. It is possible that an address for a particular payee may not transfer from the prior vendor, but we anticipate this will be minimal. Recurring payments will also be transferred to the new online bill pay system. Recurring external transfers may need to be re-added in the new bill pay system. We recommend reviewing and verifying all recurring payments, internal transfers, and external transfers in the new system once clients have access on September 16, 2024.
Will my online banking history be viewable? If so, how far back will my history be available?
Clients will be able to see 120 days of transaction history in online banking on September 16, 2024. See the statements section for additional information on full statements.
Will I need to set up existing recurring bill payments in the new systems?
Your existing recurring bill payments will convert to the new system automatically. It is possible that a small number of addresses may be blocked from converting. We recommend you verify your payee information in the new online banking system to ensure all addresses and recurring transactions have been pulled into the new system. You will be able to log into online banking on September 16, 2024.
When will I start using the new Online Banking system? (Billpay, ACH, Wires)
You will be able to log into online banking on September 16, 2024.
Are there any important transitional cut offs that clients
should be aware of as the bank makes this transition?
Yes! See below.
Online BillPay
Fri. Sept 6th at 12:00 p.m.
- Cut-off to enter Bill payments for September 9th September 12th
Sept 9-12
- Processing will still occur for payments inputted prior to Sept. 6th
Thur. Sept 12th
- Last date of current Bill Pay processing
Mon. Sept. 16th
- First Day of Bill Pay with Online Banking with Jack Henry
Online ACH Processing
Wed. Sept 11th at 4:00 p.m.
- Cut off to enter ACH files for Sept. 12th or Sept. 13th
- ACH Debit Files can be submitted on Sept 11, for processing effective Sept 12th
- ACH Credit Files can be submitted for Sept 11, for processing effective Sept 13th
Mon. Sept. 16th
- First Day of ACH Files and Batches inputted in the new system
Online Wires Processing
Thur. Sept 12th at 12:00 p.m.
- Cut off for Wires to be submitted through Q2 for processing on Sept. 12.
- Any wires that need to be sent after Sept. 12th at noon, should be submitted through Wires@myfcbusa.com
- ACH Credit Files can be submitted for Sept 11, for processing effective Sept 13th
Mon. Sept. 16th
- First Day of wires to be inputted in the new system
Management Company File Processing
Fri. Sept 13th
- Files will be processed from CINC/AI for Management Company Clients.
- Correct balances will be reflected in CINC on Sept. 16th.
Will I use my same online banking login ID to access the new Online Banking System?
You will use your current login ID to log in to the new online banking system. Password information is included in the mailed “Conversion Technical Information” package mailed to your home. If you did not receive the mailing, please contact contactus@myfcbusa.com or call us at 800-332-8231. You will be prompted to change your password the first time you login.
Can I conduct banking transactions on a smartphone or computer?
Yes! Our new app is available in both the Apple store and Google Play store. The app allows you to access online banking via your smartphone. The app’s name is Bank at First Century NA. Online banking can also be accessed on the web. The URL for the new online banking platform can be accessed through the website at www.myfirstcenturybank.com.
Are there instructions available for using the new online banking system?
Guides on logging in and using online banking as well as using the new smartphone app are available at youtube.com/@firstcenturybankna
We also have videos to assist clients as they log in to our new online banking and smartphone app for the first time.
We also have videos to assist clients as they log in to our new online banking and smartphone app for the first time.
Will person-to-person payments be offered?
Yes!
I use Quicken, Quickbooks, or Mint, with a connection through the current online banking provider. How do I get instructions on how to connect through the new provider?
Please send an email to contactus@myfcbusa.com and put Quicken/Quickbook instructions in the subject line, and the name of the account holder. We will then send the instructions to the email address on file.
Why am I not seeing my child’s/parent’s/spouse’s account in online banking when I used to be able to see this?
Individuals with access to accounts in online banking should either be an authorized signer on the signature card or be given written permission to enable view access to the account. Please email contactus@myfcbusa.com with questions, and we will be happy to provide the required forms for completion.
Mobile Banking (through an app on your smartphone)
Is mobile banking offered on the new system?
Yes! Clients have the ability to transact business through your smartphones, using the new FCB free mobile app. Search the Apple Store or Google Play store for Bank at First Century NA.
Is mobile banking training information provided?
Yes. Current users can view an informative videos at youtube.com/@firstcenturybankna for additional information. If you are not a current online banking user but want to ensure you receive information about our mobile app, please email contactus@myfcbusa.com and put “Mobile Banking information” in the subject line. We will ensure that all information regarding using our mobile banking app is sent to you.
Will online limits stay the same?
Consumer account limits will remain the same. Business account limits periodically change based on normal usage, but this conversion will not trigger any significant change in limits. The current online banking system limits and the new online banking systems limits are not identical, but significant changes to the limits are not anticipated.
How do I login to mobile banking?
If you have used online banking in the past, you will enter your online banking username, and input the password provided to you in your conversion technical information mailed to your home. The two online banking platforms (website and app) are linked. So, when you change your password for the first time, this will be the password you will use when you login through either method. If you have not received the conversion mailing, please contact contactus@myfcbusa.com or call us at 800-332-8231. If you have not used online banking in the past, then you would need to sign up for online banking, by clicking “First Time User” Enroll now.
In Person/ATMs
Will I be able to request balance inquiries between 5:00 p.m. EST Thursday, September 12 until 9:00 a.m. EST Monday, September 16, 2024, through the ATM?
No. Balance inquiries will not be possible from 5:00 p.m. EST Thursday, September 12 until Monday morning September 16, 2024. Any transactions submitted after 5:00 p.m. EST on Thursday, September 12th will be processed on September 16, 2024. ATM withdrawals will be available for customers throughout that time for available balances.
Will I be able to withdraw funds from an ATM from my account on September 13, 2024?
Yes, you will be able to use your current ATM/Debit card during the transition period.
Debit Cards
Will I be issued a new Debit/ATM card as part of this conversion?
Yes! You will be issued a new debit card in late August/early September. You will need to wait until September 16, 2024 to activate your new card. Once you call to activate your card, you will be prompted to set a new PIN for that card. Card Activation and Pin Management is 1-800-290-7893 and International phone number 206-624-7998. Your current card will work through September 15.
If you do not receive a new card by September 16, 2024, please contact us at contactus@myfcbusa.com or at 706-335-8200 and we will expedite a card to you.
How will my merchants be notified of the changed debit card number in order to ensure payments continue to be made?
You will need to update merchants of the changed debit card number when you activate your new cards. Some merchants allow you to enter your routing number and account number instead of a debit card number. If you are able to enter your routing and account number, these will remain unchanged throughout the conversion, so you could make this change even before the conversion. Otherwise, any current recurring charges to your debit card need to be updated by you with the respective service provider with the new number.
If I purchased an item from a retailer before the conversion, then return it after the conversion, will the retailer be able to refund to my new card? How will that refund take place?
Mastercard will map the credit to the new card automatically.
Will my debit card limits stay the same?
Yes, your debit card limits will remain the same as they are currently. Point of Sale limit remains $750 per day, and ATM limit is $500 per day.
Will my old card work until my new card arrives?
This transition is not the same situation as when an expiring card is replaced. The new card can be activated on September 16, 2024, and can be used immediately thereafter. Your old card will no longer work after September 15, 2024. Please reach out to contactus@myfcbusa.com or call us at 800-332-8231 if you have not received your card by September 16, 2024.
If I have three cards with my current account, will I get three cards with the new card re-issuance?
Yes, the same number of cards currently issued will be re-issued with this conversion.
Will my debit card still be a Mastercard debt card?
Yes.
When will you send new debit cards?
New debit cards will be mailed out at the end of August.
Will the new debit card start working immediately upon receipt or after September 16?
The new debit cards will be able to be used on or after September 16, 2024 but not before. New cards will require activation via phone, and a new PIN will be established during your activation phone call. Card Activation and Pin Management is 1-800-290-7893 and International phone number 206-624-7998.
Statements
When will statements be generated as a part of the conversion.
Deposit account holders who currently receive statements from the 1st through the 11th of each month will receive this statement as scheduled for the first 11 days in September. Statements will then be generated for all deposit accounts as of the end of day September 12. Any applicable interest will be included as of September 12. Moving forward, all statements will be generated on the first business day of the month, for the prior month's transactions. The first statement on the new system, will be generated on October 1 for all transactions taking place from September 13 through September 30.
For clients who receive their statements via online banking, statements for September 12 will be generated, but you will not be able to access immediately because online banking access will be discontinued. On September 16, your transaction history for the last 120 days will be available. Your June through September 12 statements will be posted by mid-November. If you need the formal statement before mid-November, you can send an email to statements@myfcbusa.com and indicate the customer name, and we will email the statement securely, to the email address on file.
Clients receiving statements by mail or pick up, will be processed normally without delay.
When will the first statement from First Century Bank’s new system be generated?
All deposit clients will have their statements generated on October 1, and the first business day of the month for the prior month's activity.
When will I receive my statements?
Statements are typically generated the next business day after the end of the month, but this generation could take as long as three days during high volume time periods. Online versions of your statement will be available once generated. This will include both HOA clients through CINO Systems/TresRE or online banking. For those statements that are delivered by mail, the printing center in New Jersey will mail statements once generated. If you have previously arranged to pick up statements at the Bank, this arrangement will remain; however, mailing time will need to be adjusted for travel time.
If I’m currently set up to receive statements electronically, will I still receive my statements this way?
Yes, if you are already set up to receive e-statements, this information will carry over to the new online banking system. These statements will also be available via the new app.
When will interest payments be made, if applicable?
Interest payments will be posted as of the last business day of the month and will be reflected on the respective statement for the given month.
Will statement formats be enhanced with this change?
Yes, formatting will be enhanced from current statements as a result of this change.
Will I still receive my loan statements in the mail?
If you previously received your statements in the mail, you will continue to do so. With our new online banking system, loan customers will also have the ability to have loan statements delivered electronically. You will need to enroll in online banking to obtain these statements.
When will historical statements be available?
Copies of statements issued May 31, 2024 or earlier, are anticipated to be available online soon after conversion (Sept 16th). Statements from June through September 12th should be available in mid-November. If you need a copy of a prior statement before they are available online, please contact our First Call Department at 706-335-8200 or email statements@myfcbusa.com with the statements that you need, and whether you wish this statement to be emailed to you securely or mailed to your address on file. Statements issued beginning on October 1, 2024, will be available online as soon as they are created at the beginning of each month for the prior month. Once all statements are loaded, at least 18 months of statements will be available online. If you anticipate needing statements, please log on to download these statements before September 12th.
Telephone Banking
Will First Century Bank implement telephone banking?
No, telephone banking was discontinued in the last few years. Mobile banking through the new FCB app is a secure, easy way to access your accounts whenever you want.