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  Contacting the Member Service Center
  - How can I reach a representative of the Member Service Center?
    Easy! You can reach us by one of the following methods:
    - By phone at (636) 728-3333, or 1-800-767-8880
    - By fax at (636) 537-4448, Attention: Member Service Center
    - By email at Contact Us
    - By mail at the following address:
    First Community Credit Union
    P.O. Box 1030
    Chesterfield, MO 63006
    Attention: Member Service Center
  - When can I reach a Member Service Center representative?
    We are here Monday through Friday, 8 a.m. to 7 p.m and Saturday 8:30 am - 12:30 pm. Central Standard Time
  - What information will the representative need from me when I call?
    Have your account number and a description of the issue or situation ready for us so we can assist you.
  Your username and password
  - I used to log on to EXPRESSnet using my social security number, why isn't this my username any more?
    We have introduced an enhanced version of this service and for your convenience, EXPRESSnet now uses your member account number as your username.
  - Can I change my username to be something other than my account number?
    Not at this time.
  - Why am I getting an error message when I enter my member account number from the bottom of my checks?
    There is a "7" listed on your checks in front of your account number. This is to distinguish your checking account from other credit union accounts, but this is not part of your account number. Your member account number has a maximum of nine digits.
  - What is my password?
    Your password is your EXPRESS PIN. This is the PIN you use with the EXPRESS 24 Information Line, EXPRESSnet and to apply for a loan online. This number is not your debit card PIN number.
  - Can I change my password any time I want?
    Yes. Once you have logged in, you can go to User Options and change your password.
  - What if I don't have an EXPRESS PIN or I don't remember it?
    Contact our Member Service Center at (636) 728-3333 or 1-800-767-8880. They will generate and mail a new EXPRESS PIN.
  - What should I do if I'm locked out of the system?
    Contact the Member Service Center at (636) 728-3333, or 1-800-767-8880.
  - I forgot my password, what should I do?
    Click here for more information.
  Your online account information...
  - Which EXPRESSnet features do I receive at no charge?
    You can view your account information and transfer to and from your savings and checking accounts. You can also create detailed reports of your expenses so that you can better manage your finances.
  - Is my account information secure?
    Yes. EXPRESSnet features 128-bit encryption which is the highest level available.
  - How often is my account information udpated?
    You can see transactions as soon as they post to your credit union account.
  - Can I transfer funds to and view the history of my First Community Credit Union loans?
    Yes! You can transfer funds to make a payment or advance your loan. You can also view your payment due date, payoff and loan history.
  - Can I view my credit card information online?
    Yes! You can access an account summary, payment summary and activity summary. You can access this information from First Community's credit card information page, not through EXPRESSnet.
  - Can I have more than one account online?
    Yes. You can view each account individually by entering your account number and the PIN associated with it. If you would like cross account access, you will need to complete and sign an authorization form. Please contact our Member Service Center at (636) 728-3333, or 1-800-767-8880.
  Using EXPRESSnet to pay your bills...
  - How much does the bill payment service cost, and how will I be charged?
    We offer this service FREE to all members that have a personal checking account with us. Commercial accounts may use the service for the first 90 days for free, and then a monthly fee of $5.95 (for up to 15 transactions) will be assessed and debited from the checking account on or around the 3rd calendar day of the month.
  - What are the advantages of using the online bill payment service?
    This convenient service will eliminate the time, hassle and expense of writing checks, addressing envelopes and buying stamps, and members can enjoy the freedom of paying bills 24 hours a day, seven days a week.
  - Is there a limit to the number of bills I can pay online?
    No.
  - Can I cancel the bill payment service?
    Yes. Just mail or fax us a signed letter stating you would like to cancel your EXPRESSnet bill payment service. Make sure you include your account number.
  - To whom can I pay bills online?
    Almost anyone with a U.S. payment address. The only exceptions are government and court order-related payments.
  - When is the money for the payment withdrawn from my account?
    If the payment is sent electronically, the funds for the payment clear your account on the pay date. Otherwise, funds clear your account when the biller deposits or cashes the check. Keep in mind, however, that you should always have funds available to cover the payment on the pay date.
  - Why is a phone number required when I am setting up my payee?
    Not all online payments are processed electronically. Depending on the payee, some payments will be made by check and mailed to your payee. If the check is returned because of an invalid or insufficient address, a representative must contact your payee via phone to correct the information.
  - I want to make an online payment to an individual. What do I enter in the Account Number field when I am setting him/her up as a payee?
    You must enter your name as a way to identify yourself to the individual.
  - How long will it take for my payee to receive my payment?
    Payments are guaranteed within four business days.
  - The mailing address of one of my online payees has changed. Do I need to update this information in EXPRESSnet?
    Yes. Simply click on "Manage My Bills" and then click on the payee you wish to edit. When you have corrected the information, click Update Payee/Payment at the bottom of the page.
  - Is there any way to stop payment on an online bill transaction?
    Yes, in some cases you may be able to stop payment. To find out if you can stop a payment, contact the Member Service Center at (636) 728-3333, or 1-800-767-8880.