Online Banking Guide - First Commonwealth Bank

Online Banking Guide
Customer Service
1-800-711-BANK (2265)
Weekdays: 7:00 a.m. - 10:00 p.m.
Weekends: 8:00 a.m. - 6:00 p.m.
[email protected]
Table of Contents
Welcome
First-Time Users
2
Navigate Online Banking
MY VIEW
3
Customizing Your Banking Home Page
View Accounts
Overview
6
External Transfers
Create New Bank-to-Bank Transfers
9
Transaction Details
Download and Search Transactions
Pending Transfers, Manage Transfers
Internal Transfers 11
Manage Internal Transfers
BillPay 12
Get Started
Navigate BillPay
Schedule Payments
ONLINE SOLUTIONS TO KEEP YOUR FINANCES,
AND YOUR LIFE, IN PERFECT BALANCE.
Settings
18
Personal Settings (Email, ID, Passwords)
Account Settings, Display Settings
Alerts
Mobile Banking
My Finance 22
eNotices 15
Enroll in eNotices
Add Accounts
Spending Categories and Budgeting Tools
Message Center 25
View Incoming Messages
eStatements 17
Access Online Statements
Customer Assistance
Add Additional Recipients
Send Secure Email
26
Customer Service: 1-800-711-BANK (2265)1
Welcome
First Commonwealth Bank’s Online Banking solution provides a secure and simple way to manage your finances
whenever and wherever your want.
First-Time Users
Visit fcbanking.com and choose the “My Accounts Login” menu in the upper right hand corner
Enroll Now! Option
Select “Online Banking” from the drop down menu
Choose Enroll Now!^
Then, complete the below steps:
1. Accept the Terms and Conditions
2. Enter the requested security information
3. Click “Send Email Verification”
4. Open the email you receive and click on the link*
*Please note that the enrollment process must be completed within the same browser session and on the same computer within
one hour. ^ In the event that the email address on file at First Commonwealth Bank does not match the email address you are
using to enroll, enrollment will need to be completed by calling 1-800-711-BANK (2265).
Customer Service: 1-800-711-BANK (2265)2
Welcome
First Time Log In
Visit fcbanking.com and choose the “My Accounts Login” menu in the upper right hand corner
Select “Online Banking” from the drop down menu
Enter your temporary 12-digit Online Banking ID and the last four digits of your Social Security number as your password,
then click Submit
Update Your Settings:
You’re almost there! Complete these five security steps:
Step One: Change your password (required)
Step Two: Select a personal image which will be unique to you each time you access Online Banking
Step Three: Select and answer three security questions
Step Four: Enable password reset option in your Settings tab
Step Five: Enter a mobile phone number to receive important security verification codes via text (this additional security
measure will be used in the setup of other Online Banking features to verify your identity).
When you have completed these steps, return to your Online Banking “My View” page to get started.
Customer Service: 1-800-711-BANK (2265)
3
Welcome
Navigate Online Banking
Our Online Banking menu is designed with you in mind, giving you instant access to BillPay, eNotices, and more! Want it even
more customized? Learn about the customizations available in MY VIEW on the following page.
Always use the Log Out
link to securely close your
Online Banking session.
First Commonwealth Bank 1-800-711-BANK
Use tabs and links
to access your
pages. Avoid using
the browser “back”
button.
Help resources, including
a message center and our
Convenience Banking
Center contact information.
Customer Service: 1-800-711-BANK (2265)
4
MY VIEW
Customize Your Banking Homepage
With MY VIEW, you can customize your layout based on what tools you use most frequently.
Customizable page/widget layout
Secure message and
alerts at a glance
Helpful tips and resources
Easy transfer options
“Configure This Page” options allow you to move, add or hide
features based on what you use most often.
Customer Service: 1-800-711-BANK (2265)5
View Accounts
Overview
The Accounts page offers several account management options which are easily accessible using the Select Option
drop-down menu or by clicking on the account name.
From this page you can:
• View transaction detail
• Choose number of transactions to be displayed
• Search by account, date range, amount, check
number, debits or credits
• Transfer funds
• View check and deposit images
• Download transactions to financial management
software or a spreadsheet
• View statements
• Initiate stop payments
• Sort columns to customize view
Select the option you
need, including view
transactions, download,
view statements, and
account info.
Customer Service: 1-800-711-BANK (2265)6
View Accounts
Transactions Details
Choosing the Current Transactions option under the Online Banking tab, you can do the following:
• Sort transactions by date, reference/check
number, debit or credit
• View checks by clicking on an underlined number
to view or print the front or back of a check
• View your current collected balances
• Review a detailed breakdown of funds available
using the Available Funds link
Current Transactions option
Customer Service: 1-800-711-BANK (2265)7
View Accounts
Download and Search Transactions
Download transactions to
financial management software,
such as Quicken*, QuickBooks*
or a spreadsheet.
Search your transaction history by account, date range,
amount, check number, debits or credits.
1. Select the date range
2. Select the download format
3. Click ‘Submit’
* If you have previously used Quicken or QuickBooks account registers in a different version of Online Banking, please follow
the instructions found at www.fcbanking.com/quickguides to continue using those registers.
Customer Service: 1-800-711-BANK (2265)8
External Transfers
Create New Bank-to-Bank Transfers
External transfers allow you to schedule transfers to or from checking or savings accounts that you have
at other financial institutions.
Before you can complete a
transfer, you will need to add
your external bank account by
entering the information.
Then follow the instructions to
confirm the micro deposit
made to your external account.
Once you have added your accounts, you are ready to create transfers. You may do this by selecting the “New Transfer” setting under
the Online Banking tab.
Once you enroll an external account, you should see two small
dollar transactions which will be sent to your external account
within two business days. Please verify the amount of these
transactions and complete the enrollment process to enable
these accounts for ongoing transfers.
Customer Service: 1-800-711-BANK (2265)9
External Transfers
Pending Transfers, Manage Transfers
The below screens walk you through how to view pending transfers and manage transfers to external accounts.
Transfers scheduled prior to 2:30 p.m. EST will be posted on the same business day.
Add a transfer and then
choose the accounts you
want to transfer to and from.
View pending transfers
Customer Service: 1-800-711-BANK (2265)10
Internal Transfers
Manage Internal Transfers
Internal transfers allow you to schedule transfers to or from checking or savings accounts or make loan payments that
you have with First Commonwealth Bank. To access, choose the “Internal Transfer” setting under the Online Banking tab.
Transfers scheduled after 10:00 p.m. EST will be processed the next business day.
Internal Transfers:
Create a new transfer
Make a loan payment
View pending transfers
Edit or delete transfers
View transfer history
Customer Service: 1-800-711-BANK (2265)11
BillPay
Get Started
Our BillPay is a secure, convenient and efficient alternative to making payments by mail. You can pay a company, send
money to an individual, or contribute to your favorite charity. BillPay is available to First Commonwealth Bank
customers with an active checking account and Online Banking access.
To get started, simply log in to Online Banking, click on the BillPay tab and then follow these steps to register:
To Register:
1. Select the account from
which you most often pay
your bills
2. Accept the Terms and
Conditions
3. Follow the helpful guidance
on the Welcome Page to add
payees and view the BillPay
dashboard.
Customer Service: 1-800-711-BANK (2265)12
BillPay
Navigate BillPay
You can add payees
and choose to pay a person,
company or bank/credit union
Customer Service: 1-800-711-BANK (2265)13
BillPay
Schedule Payments
Making payments is fast and simple. To schedule payments from your BillPay account, simply:
1. Select the account from which you’d like to pay from the “Pay from” drop-down menu
2. Enter the amount you’d like to pay in the “Amount” box
3. Choose the date you’d like for your payee to receive your payment by either clicking
on the calendar to the right of the “Payment Date” box or typing in a date
4. Repeat this process to make payments to additional payees.
5. Click “Review” to confirm your selections
6. Click “Submit payments”
Customer Service: 1-800-711-BANK (2265)14
eNotices
Enroll in eNotices
The primary account holder can enroll for additional eNotices by selecting the eNotices tab within Online Banking.
Completing the enrollment
requires five simple steps,
shown on one screen.
Select the documents you
want to enroll.
Customer Service: 1-800-711-BANK (2265)15
eNotices
Add Additional Recipients
The primary account holder can enroll additional recipients to receive electronic notices under the Additional
Recipients option by assigning a username and PIN and selecting the documents to enroll.
Customer Service: 1-800-711-BANK (2265)16
eStatements
Access eStatements
eStatements are an easy, safe and secure to manage your finances. If you’d prefer to receive your statements
electronically, click on the eStatements tab within Online Banking.
To Enroll:
Step One: Select accounts for electronic delivery
Step Two: Enter your email address
Step Three: Enter a security phrase which will be included in your
eStatement email from us
Step Four: Enter the enrollment passcode
Address Service Requested
Your eStatement
looks just like your
paper statement.
00000001-0016769-0001-0002-MFCBI15386062514105001-02-L
You’ll soon receive an email from First Commonwealth Bank
confirming your enrollment. When your statements are ready, we’ll
send you an email containing your security phrase and a message
that your document is ready for viewing. We’ll store up to 3 years of
statements for your easy access and management. You can even enroll
others, like your spouse or accountant, to allow controlled access to
your eStatements. You may do this by selecting the “Additional
Recipients” option of the eNotices tab in your new Online Banking.
101010101010101010101010
110001100100110000100011
110000001110100100111100
110111010100000100101101
101111000110011000100000
101111010000010001001111
101100101011100000000100
110100001011001001110111
111011101110001011101010
110011000100101100111111
100110010001001010111110
100000110100011001001001
111010000001111001101100
100001001011001101110111
101000001000011001010010
100100101000110010110001
110000100110011111000110
110010011010011111101001
100001000001001010100000
101011010000011111001011
110100010000000001011000
100011001010110100101101
100110010100100010001010
111111111111111111111111
#BWNMCMC
žœ˜–Ž›ȱŽ›Ÿ’ŒŽȱ—˜›–Š’˜—
00000001 MFCBI15386062514105001 01 000000000
John
A Sample
Crystal
Ann Rickabaugh
9999
Encico St
145 Clarion
St
Tampa
FL 33716-2202
Johnstown
PA 15905-2221
Personal Service: 1-800-711-BANK (2265)
Monday - Friday 7:00 a.m. - 10:00 p.m.
Saturday - Sunday 8:00 a.m. - 6:00 p.m.
Automated Service: 24 hours, 7 days
Main Office:
First Commonwealth, PO Box 400,
Indiana, PA 15701-0400
Enjoy 55,000 fee-free ATMs worldwide thanks to the First Commonwealth,
Allpoint and Freedom Alliance Networks. Learn more and download the ATM
finder app at fcbanking.com/allpoint.
___________________________________________________________________________________
Summary of Bank Accounts
Account #
Account Type
XXXX
XXXXXXXXXXXX3106
Hometown Checking
Ending Balance
153.15
Checking Accounts
A Sample
Account Holder: John
Crystal
Ann Rickabaugh
Hometown Checking
Account Number
Beginning Balance
4 Deposits/Credits
8 Checks/Debits
Total Service Charges
Interest Paid
Ending Balance
XXXX
Step Five: Read and agree to the Terms and Conditions of
eStatements and click Enroll Now.
Statement Date:
06/20/2014
XXXX
XXXXXXXXXXXX3106
RAA5825
First Commonwealth Bank
PO Box 400
Indiana, PA 15701-0400
XXXXXXXXXXXX3106
141.95
710.81
699.61
.00
.00
153.15
Statement Dates
5/22/14 thru
Days in the statement period
Average Daily Balance
Average Collected
6/22/14
32
48.95
40.69
___________________________________________________________________________________
Activity in Date Order
Date
Description
5/27 Deposit
5/28 Deposit
5/28 FAVORITE
SABIKA INC
04126389060
STORE
000000000
PA *POS ID 11111111
55446414 *222222*
*802751*
STORE
5/28 FAVORITE
SABIKA INC
04126389060
00000000000
PA *POS ID 11111111
55446414 *222222*
*802561*
STORE
5/29 FAVORITE
SABIKA INC
04126389060
00000000000
PA *POS ID 11111111
55446414 *222222*
*901487*
6/09 Deposit
STORE
6/11 FAVORITE
SABIKA INC
04126389060
000000000
0054653
PA *POS ID 11111111
55446414 *222222*
*200478*
Amount
277.55
102.29
8.48-
Balance
419.50
521.79
513.31
237.55-
275.76
132.29-
143.47
153.70
43.99-
297.17
253.18
Customer Service: 1-800-711-BANK (2265)17
00000001-0016769-0001-0002-MFCBI15386062514105001-02-L
Settings
Personal Settings
Customize your Online Banking experience by clicking on the Settings tab within Online Banking, where you’ll find
the following options:
Personal:
Change your email address
Change your password reset question and answer
Customize your personal authentication image
Change your Online Banking User ID
Change your password
Customer Service: 1-800-711-BANK (2265)18
Settings
Account Settings
Account nicknames (Pseudo names) help your identify your accounts more easily.
Account Display Settings allow you to set default displays for account information and confirmation options.
Customer Service: 1-800-711-BANK (2265)19
Settings
Alerts
Keeping up to speed on your finances is easy with customized Online Banking alerts. Access your alerts by selecting the
Settings Tab within Online Banking. From here, you can schedule your own customized alerts for:
Events like incoming direct deposits, funds
transfer information or statement
notifications.
Balance so you’ll know when an account
reaches a certain threshold.
Items including cleared checks.
Personal reminders of important dates like
upcoming birthdays and anniversaries.
For each alert, choose to be notified by email or log in to Online Banking by checking the Email or Login boxes.
Alerts can be sent to any valid email address.
Customer Service: 1-800-711-BANK (2265)20
Settings
Mobile Banking
Mobile Banking is the perfect way to keep your banking at the speed of your life. Optimized for your iPhone or Android
smartphone or your iPad, our apps will allow you to transfer funds, view balances and more. To manage your Mobile
Banking settings, visit the “Mobile Banking” option under the Settings tab within Online Banking.
Features:
• View account balances
• View transaction history
• View alerts
• Pay bills
• Transfer funds between accounts
• Find First Commonwealth Bank locations
Get Started
Visit iTunes or Google Play and download the First Commonwealth Bank Mobile Banking app. Remember that
your wireless provider’s web access charges may apply.
Customer Service: 1-800-711-BANK (2265)21
My Finance
Add Accounts
My Finance is a secure financial management tool within Online Banking that allows you to have a view of your full
financial life by adding offline accounts like bank accounts you have at other institutions, investment accounts and credit
cards. From there you can set up a budget, create customizable expense categories and track spending.
Just select the My Finance tab within Online Banking to get started. You will simply need to accept the Terms of Service
and follow the recommended steps to complete your display set up. Then you are ready to add your offline accounts.
Maintain Your Finances
•
•
•
•
•
Track your accounts and categorize transactions
Import account information from other financial institutions and accounts
Develop a budget and set financial goals
View account, transaction, budget and goal history reports and charts
Monitor activity through customizable alerts
Customer Service: 1-800-711-BANK (2265)22
My Finance
Spending Categories and Budgeting Tools
Use these toolbars to set up your budget,
alerts, and add accounts.
How Am I Doing? offers
progress and message indicators.
Current Month Status is
calculated using your total
income & expenses.
Can I Buy It? helps to make an
informed decision on a purchase.
Help Me Get To 100% will help
you get the most out of using
My Finance.
Net Worth is based
on the accounts being
tracked in My Finance.
Customer Service: 1-800-711-BANK (2265)23
My Finance
Spending Categories and Budgeting Tools
This step-by-step guide will
help you to set up your budget.
Once your budget is
established, you will have full
access to your activity and
progress.
Customer Service: 1-800-711-BANK (2265)24
Message Center
View Incoming Messages
Your Message Center allows you to receive incoming message from our Convenience Banking Center and send
secure emails to us.
We will notify you at your email of record that you have an Online Banking message. To view, you may log in to Online
Banking and click on the “New Message” link or “Message Center” to view.
Send Secure Messages
Customer Service: 1-800-711-BANK (2265)25
Customer Assistance
As Always, We’re Here to Help
To speak with a live customer service representative, you may contact us at 1-800-711-BANK (2265). We are available
weekdays from 7:00 a.m. until 10:00 p.m. and on weekends from 8:00 a.m. until 6:00 p.m.
You may also email us at [email protected] or use your secure Online Banking Message Center.
Customer Service: 1-800-711-BANK (2265)
FCB Member FDIC
27