This Agreement describes your rights and obligations as a user of the Online Banking service or the Bill Payment service (“Services”). It also describes the rights and obligations of FCB. Please read this Agreement carefully. By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.

The following definitions apply in this Agreement. “Online Banking” or “online services” are the Internet-based services providing access to your accounts; “Online Account” means any deposit or loan account from which you will be conducting transactions using a Service; Login ID is the unique ID which was assigned to you or was chosen by you when online services were set up and “Password” is the code that you select after the initial sign-on, that establishes your connection to the Service. “Time of day” references are to Eastern Standard Time or Eastern Daylight Time, as applicable. “We”or “us” refer to FCB which offers the Services and which holds the accounts accessed by the Services.

Access to Services
FCB will provide online instructions on how to use the Online Banking service or Bill Payment service through the Help functions available at the site. You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider, your login ID and your Password.

System Requirements
FCB will provide a summary of recommended hardware and browsers that we test and support.

Minimum User Hardware and Connection:

  • Standard PC or Mac (Pentium IV/1 GHz processor or higher/512 Mb RAM – 2GB recommended)
  • Microsoft Windows 10 version 1809 or newer, Windows 8.1
  • MacOS 10.13 High Sierra or newer
  • Cable (recommended), DSL, or ISDN Internet Connection (dial-up not supported). Note: Satellite cable connections often have difficulty supporting encrypted (HTTPS) applications. Because online banking is HTTPS encrypted for the safety of your financial information, some satellite cable connections may exhibit slow response
  • Supported browser for consumer and commercial users
  • Security, anti-virus and Spyware updates applied
  • A valid email address and telephone number

Supported Browsers by Operating System:

The following browsers have been tested and determined to provide reliable user experience for Online Banking.  Some of these browsers may show minor behavioral changes or cosmetic differences, but generally support the use of the retail and commercial banking application and functionality.  It is always recommended to use the latest browser version available from the provider.

Microsoft Operating Systems

  • Microsoft Internet Explorer 11
  • Firefox current versions 80.x.x
  • Chrome current version 72.x.xxxx or greater

Mac Operating Systems

  • Firefox current version 80.x.x

Use of your Security Password
You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

If your password has been lost or stolen
If your Password has been lost or stolen, call FCB Customer Service immediately at 1-800-332-8231 9:00 a.m. through 4:00 p.m. (Eastern Time), Monday through Friday. Telephoning the bank is the best way of minimizing your losses. If you believe your Password has been lost or stolen and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your Password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.

If your statements shows transfers that you did not make
If your statement shows transfers that you did not make, notify us immediately by calling FCB Customer Service, 9:00 a.m. to 4:00 pm. (Eastern Time), Monday-Friday at 1-800-332-8231 or writing FCB Customer Service at:

P.O. Box 210
Commerce, GA 30529

If you do not notify FCB within 60 days after the statement was mailed to you, you may not recover any money lost after the 60 days which would not have been lost if FCB had been notified in time. If a good reason (such as a long trip or hospital stay) delayed you from contacting FCB, FCB will extend the time periods.

Banking Transactions with Online Banking
In addition to viewing account information, you may use Online Banking to conduct the following transactions:

(1) Transfer funds among your checking accounts, savings accounts and money market accounts. Make loan or line of credit payments. There are limitations to the number of authorized transfers (including Online Banking transfers) as follows:

(a) Statement savings account. You can make no more than one(1) transfer per statement period by pre-authorized or automatic transfer or by telephone or online services.

(b) Money Market checking account. You can make no more than six transfers per statement period to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order.

(2) New services may be introduced for online services from time to time. FCB will make these new services available online. By using these services when they become available, you agree to be bound by the rules made available to you online concerning these services.

Bill Payment Service
The Bill Payment service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment service, you can pay bills from your Bill Pay Account to businesses or individuals.

All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly or monthly intervals (a “recurring payment”). If a recurring payment is chosen, the bill will be paid automatically each billing period. If the payment is not a recurring payment, it will be a “one-time payment.” One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment.

For all payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, and the payment is not received by the payee in a timely manner, a representative of FCB will work with the payee on your behalf to have any late fees or charges reversed.

FCB is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. FCB will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee’s address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of FCB.

If the session during which you schedule a payment or transfer ends by 4:00 p.m., FCB will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls.

If your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by FCB to make the transfer or payment. FCB shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. In the case of recurring payments, only the payment currently scheduled will be canceled. Recurring payments scheduled for future dates will not be affected.

The way to cancel or change a payment is to use the Service. Payments must be changed or canceled using the Service prior to 4:00 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written, or electronic, will be in effect with the following guidelines:

  • For both ACH items and Checks, an oral Stop-Payment Order is effective for 14 calendar days only, unless confirmed in writing within the 14-day period.
  • A written Stop-Payment Order for a check is effective for six months and must be renewed in order to continue in effect.
  • A written Stop-Payment Order for an ACH item is effective for the below time frames:

Effective Period of Stop Payment Orders (Consumer)
A stop payment order will remain in effect until the earlier of:

(a) the withdrawal of the stop payment order by the Receiver;
(b) the return of the debit Entry, or, where a stop payment order applies to more than one debit Entry relating to a specific authorization involving a specific Originator, the return of all such debit Entries.

Effective Period of Stop Payment Orders (Non-Consumer)
A written stop payment order regarding any debit Entry initiated or to be initiated to a Non-Consumer Account will remain in effect until the earliest of:

(a) the withdrawal of the stop payment order by the Receiver;
(b) the return of the debit Entry; or,
(c) six months from the date of the stop payment order, unless it is renewed in writing.

If requested by FCB, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. FCB may pay any item that is presented following the lapse of any stop payment order.

Electronic Mail
If you send FCB an electronic mail message, FCB will be deemed to have received it on the following business day. FCB will have a reasonable time to act on your e-mail.

You should not rely on electronic mail if you need to communicate with FCB immediately – for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.

You agree that FCB may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by FCB shall be considered received within three (3) days of the date sent by FCB, regardless of whether or not you sign on to the Service within that time frame.

Other Agreements
In addition to this Agreement, you and FCB agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the online services or the Bill Payment service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at FCB including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedules available in each product description on the web site. We will automatically deduct the fees related to this Service from account each month.

Hours of Operation
The Services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, FCB’s business days are Monday through Friday, excluding holidays. All online service transaction requests received after 4:00 p.m. on business days and all transactions which are requested on Saturdays, Sundays or holidays on which FCB chooses to remain closed, will be processed on the next FCB business day. FCB’s business day begins at 8:30 a.m.

Modifications to this Agreement
FCB may modify the terms and conditions applicable to either Service from time to time by making the new terms and conditions available at our web site. The revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

Errors and Questions
In case of errors or questions regarding an online service or Bill Payment transaction, call First Call Customer Service at 1-800-332-8231 or write us at: or:

Customer Service
PO Box 210
Commerce, GA 30529

For Personal Consumer Accounts Only, the following conditions apply:

We must hear from you at the specified telephone number or address no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:

  1. Your name and account number (if any)
  2. A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information
  3. The dollar amount of the suspected error and date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed.

If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United States, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45).

If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.

You agree that FCB may respond to you by electronic mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by FCB shall be considered received within three (3) days of the date sent by FCB, regardless of whether or not you sign on to the Service within that time frame.

You will continue to receive an account statement either monthly or annually, depending on the type of account.

Our liability for failure to make a transfer
If we do not properly complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for the amount of any losses or damages incurred by you and resulting directly from such failure. We will not be liable in the following instances:

(1) If through no fault of FCB, you do not have enough money in your account to make the transfer.
(2) If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer, despite reasonable precautions that we have taken.
(3) If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.
(4) If your funds are subject to legal process or other encumbrance restricting the transfer.
(5) If your transfer authorization terminates by operation of law.
(6) If you believe someone has accessed your accounts without your permission and you fail to notify FCB immediately.
(7) If you have not properly followed the scheduling instructions on how to make a transfer included in this Agreement.
(8) If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.
(9) If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed in subparagraph 2 or 8 above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

Disclosure of Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:

(1) where it is necessary for completing transfers. Or,
(2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant. Or,
(3) in order to comply with government or court orders, or other reporting requirements. Or,
(4) if you give us your written permission. Or,
(5) to FCB affiliated companies.

Information concerning your account history with FCB will be shared within the FCB organization. Other information, including information you have given us as part of an application for one of our products or services, or information we have received from a credit bureau or other third party, also may be shared among affiliated companies within the FCB organization. You may direct that information other than your FCB account history not be shared with FCB affiliates by e-mailing us or calling us at 1-800-332-8231 .

Inactivity; Termination
You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the accounts which you access using electronic banking services. We can terminate your electronic banking privileges (including the Bill Payment service) under this Agreement without notice to you if you do not pay any fee required by this Agreement when due or if you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 60 day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the Online Banking and/or Bill Payment service, you must notify FCB and provide your name; address; whether you are discontinuing Online Banking, Bill Payment or both; and the effective date to stop the service. When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment service will be assessed at the end of your statement cycle. You may notify FCB by one of the following methods:

1) By sending an e-mail to

2) By calling 1-800-332-8231 , 9:00 a.m. to 4:00 p.m. (Eastern Time), Monday through Friday.

3) By writing a letter and either sending it to the following address:

Customer Service
PO Box 210
Commerce, GA 30529

Governing Law
This Agreement is governed by the laws of the State of Georgia and applicable federal law.