Mobile Banking

• Free service for our members
• Stay on top of your finances 24/7
• Same features and login as online banking
• Check up-to-the-minute balances
• Make transfers between accounts
• Pay and manage bills
• Find branch and ATM locations using Google Maps™
• Contact us when you need to
• Use with any mobile device
• Access with downloadable app, mobile browser, or SMS/Text
• Download app for iPhone, iPod, and iPad
• Download app for Android

SMS Text Banking is the quickest and most convenient way to check your account balances and recent transactions, anytime, anywhere, from your mobile device.

Sign into the Text Banking Interface using your EXPRESSnet credentials. Then follow the steps to register your mobile device and you are ready to go! After you enroll your mobile device, simply text any of the following commands to 21443:

• FCCU BAL – Account balances
• FCCU HIST – Last three transactions on primary account and cross accounts
• FCCU CMD – Show valid commands
• FCCU HELP – Send information on commands and how to use
• FCCU STOP – Cancel service

Text Message Banking via toll free access number:

After registering your device, you have the option of using a toll free number to have your account information sent back to you via email address or text message.

• Dial 888-377-5725
• Enter your PIN number (which you set up during registration)
• System sends information to your chosen message destination (My Phone or Email Address) within seconds.

*Please note that while there is no charge to use SMS/TMB, standard text messaging rates may apply from your mobile carrier. Please contact your carrier if you have questions about text messaging rates.

Mobile Banking FAQs

What is Mobile Banking?

Mobile Banking is a term used for performing balance inquiries, account transactions, payments etc. via a mobile device such as a mobile phone. This allows the convenience of managing your finances anytime, anywhere without a trip to the credit union or sitting in front of your computer.

How do I access First Community Mobile Banking?

In order to access First Community Mobile Banking, you need EXPRESSnet Online Banking access (a valid Account Number and Password/PIN) and a mobile device with an Internet connection. Simply enter First Community's Mobile Banking URL - go.firstcommunity.com - into the browser of your Internet-enabled wireless device and then log in using your EXPRESSnet Online Banking Account Number and Password/PIN.

Who is First Community's Mobile Banking provider?

MShift powers First Community's Mobile Banking. For more information on MShift, visit their Web site at http://www.mshift.com

Which mobile devices are supported for First Community Mobile Banking?

You can access First Community Mobile Banking from any Internet-enabled mobile phone such as WAP phones, PalmOne OS device, Pocket PC, Apple iPhone device or RIM Blackberry device. Note: The devices must be Internet enabled.

How does First Community Mobile Banking handle Security?

First Community Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift's Servers and First Community's Web servers are encrypted using the Secure Socket Layer (SSL) layer. Mobile Banking has a built-in session timeout after five minutes of inactivity. This protects you in the event you forget to logout of your Mobile Banking sessions.

Is there a fee to use First Community's Mobile Banking?

No. First Community's Mobile Banking is free of charge. **Note: You may be charged access rates depending on your carrier. Web/Internet access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. First Community Credit Union is not responsible for these fees, and will not refund wireless data charges incurred.

Can I use First Community Mobile Banking if I don't have an EXPRESSnet Online Banking account?

No. You must have an EXPRESSnet Online Banking Account Number and Password in order to use Mobile Banking.

What First Community EXPRESSnet Online Banking services does First Community Mobile Banking include?

First Community Mobile Banking includes the following Home Banking services:

• Check Loan and Deposit Rates
• Locate CO-OP ATMs
• Locate First Community ATM's
• Locate First Community Branches
• Access Contact Information
• Account Summaries*
• Account Transaction History*
• Transfers*
• Place a Stop Payment on a check*
• View due bills (eBills)**
• Pay Bills**
• View Pending Bill Payments**
• Cancel Pending Bill Payments**
• View Bill Payment Histories**

*Note: You must be signed up for EXPRESSnet Online Banking to use this feature.

**Note: You must be signed up for EXPRESSnet Online Banking Bill Pay to use this feature.

What happens if I get locked out of First Community Mobile Banking?

As with First Community EXPRESSnet Online Banking, you must call the Member Service center to have your account unlocked. Once unlocked you will be required to login to your EXPRESSnet Online Banking account and setup your multifactor authentication answers (MFA) prior to accessing your account via Mobile Banking. This feature is in place for your protection and is mandatory. Note: You will be required to input your new MFA answers in Mobile Banking.

Who do I contact for help?

Members can reach an FCCU representative in the following ways:

By phone at (636) 728-3333 or 1-800-767-8880 – Ask for the eCommerce Department!

By mail:

First Community Credit Union

P.O. Box 1030

Chesterfield, MO 63006

ATTN: eCommerce Department

Pocket PC Devices

I am able to view the home page of First Community's Mobile banking on my Pocket PC, but when I attempt to log in I get an error message.

When you attempt to gain access to a secure Web site from Windows CE, you may receive the following error message: "Unable to establish secure connection"

Microsoft Pocket Internet Explorer may issue either of the following error messages:

"The page you are looking for cannot be found" or "Unable to establish secure connection"

To resolve this issue, update to the Microsoft High Encryption Pack for Pocket PC. This add-on supports MD5 certificates with the new hashing algorithm. For information about how to update to the Microsoft High Encryption Pack for Pocket PC, visit the following Microsoft's Web site: High Encryption Pack for Pocket PC. Download the needed file and then synchronize your pocket PC.

PalmOne Handhelds

How do I access First Community's Mobile banking on my Palm?

First, please ensure that your PalmOne Handheld has an Internet connection via a wireless Internet service provider (Wireless ISP). Once you verify that you can connect to the Internet, you can access First Community Mobile Banking by simply entering the following URL in your browser: go.firstcommunity.com

RIM Blackberry Phones

How do I access First Community Mobile Banking on my RIM Blackberry Pager?

You must ensure that you have a browser, such as the Go.Web browser, installed on your RIM Blackberry. If you are not sure if your RIM Blackberry has a browser installed, please check with your service provider. Once you verify that you have a browser, you may simply enter our URL in your browser: go.firstcommunity.com

Why am I unable to log in using my Blackberry phone?

Please check the settings on your Blackberry phone to ensure it is enabled to browse Secure/SSL sites.

When I attempt to go to: go.firstcommunity.com, I get an error message.

You may get the message "Access Denied: Insecure SSL Request"

When clicking on More Info, you may also receive the following message:

"Your MDS has been configured to deny SSL requests to servers that have certificates which are untrusted or expired. Try using Device Side SSL which can be modified in your TLS Options. Contact your system administrator with any questions."

If you receive these messages, change your Blackberry Options settings as follows: Select Options, then TLS; under the TLS Default, select Change Option to "Handheld," not "Proxy."

Mobile Phones

I keep getting locked out of my account when I try and log in on my mobile phone. Why doesn't it accept my log-in information?

Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as you set it up in EXPRESSnet Online Banking. If your password begins with a lower-case letter, you may need to use your phone's shift key to change the default from upper case. In addition, some phones require extra shift key presses to enter numbers instead of letters.

Why can't I see the first few transactions of my account history?

Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page. If you want to view more information below, use the down arrow key to scroll down until you come to a "More" link. When you click on "More," it will take you to the next page of information.

How do I know if my phone is Web-enabled?

If you have a MiniBrowser, MicroBrowser or Wireless Web on your phone's main menu, then it is Web-enabled. Contact your mobile phone carrier to confirm that your phone is Web-enabled and that the service is activated.

Mobile Phone Carrier FAQs & Tutorial Links

Sprint PCS: Sprint PCS Phone User Guides & Tutorials

Verizon Wireless: Verizon Wireless Support

ATT/Cingular Wireless: AT&T Phone/Device Support

T-Mobile: T-Mobile Support