About the Upgrade
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Why is First Community upgrading their system?
This upgrade will help us operate more efficiently and improve our products and services to be able to continue providing our members with the best service and products.
When will the system upgrade take place?
The upgrade will begin Friday evening, March 6th, 2026, after normal business hours. Our system will be updated over the weekend, and branches will be closed Saturday, March 7th through Monday, March 9th.
What are the benefits of the upgrade?
A member-centric structure will make setting up electronic transactions much easier and provide a more complete financial overview in Online Banking.
Why did the structure of my account number change?
Our system is switching from account-centric to a robust, member-centric system and will combine all your accounts in one place. Rather than having one account number encompassing your savings, checking, loan accounts, and other accounts, there will be a prefix added to your existing member number, depending on the type of account and the current suffix. Having a unique account number for each of your deposit and loan accounts will make setting up electronic transactions much easier going forward.
What will the new structure look like in online banking?
Accounts will be structured differently to provide a more complete financial overview. If you currently have multiple account numbers, you will now see all accounts in one place, linked by your Social Security
or Tax ID number. This includes accounts where you are a primary account holder, joint account holder, trustee, or custodian.
The upgraded system will generate combined statements for each member. If you need to update joint account holders, please do so by Friday, March 6. You may also make changes after the upgrade period.
How will statements be affected?
With the change to person-centric banking, all accounts you are primary, joint, and custodian over will be combined under your social security number. With this change, your separate account statements will be combined going forward. This way, members with multiple account numbers will receive fewer statements that include more of their account information. Differing addresses across accounts will be mailed based on address and will not be combined with other accounts under the same member.
Who should I contact if I have questions?
If you have questions prior to Saturday, March 7th, you may call our Information Center at 636-728-3333 or visit your local branch.
Will I be able to call the Information Center during the upgrade?
Our Information Center representatives will be available on Saturday and will be able to speak with you, but they will not have any access to account information. They will be able to assist with questions and access account information when they system is back online after the upgrade on Tuesday, March 10th.
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Account Access
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Will I have access to my money during the upgrade and branch closures?
During the upgrade, you will be able to make ATM withdrawals and use your debit and credit cards to make purchases.
Will my overdraft protections continue?
If you have overdraft protection, you will be able to continue to use it.
Will I be able to use my credit and/or debit card during the upgrade?
Yes! You will be able to use your debit card for purchases and cash withdrawals during the upgrade period. Daily usage limits will still apply, so please plan accordingly. If you need to withdraw cash in preparation, you will be able to do so until Friday evening, March 6.
You will still be able to use your credit card for purchases.
Will I be able to use the ATM and can I make ATM deposits during the update?
Yes, you will be able to use the ATM during the upgrade for withdrawals, and you will still be able to make ATM deposits.
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Account Maintenance
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How can I check my account balances?
Online and mobile banking will not be available during the system upgrade. We recommend keeping note of your transactions during this time. You may use this transaction tracker.
Will I need a new debit card or PIN number?
You will not need a new debit card. Your card will work before, during, and after the upgrade. If you need a new card, our instant issue card printing service will be available until Wednesday evening, March 4 and again on Tuesday, March 10. Your PIN is not changing.
Will I need to order new checks for my checking account?
No, your existing checks will still work.
Will my account history transfer over after the upgrade?
Yes, we anticipate you will have 6 months of transaction history.
Can I access the Express24 Information Line during the upgrade?
No. This will not be available during the downtime. We recommend checking and noting your balance prior to Friday evening, March 6th.
Will I need to reset my telephone PIN after the upgrade?
No. We anticipate your audio PIN will not need to be updated.
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Mobile App and Online Banking
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Will I be able to use online banking or the mobile app during the upgrade?
No.
Will the Mobile App change after the upgrade?
No, our app will not change and you will not have to download a new app. Our app has already been updated to pair with the upgraded core system. It will have the same appearance, user ID, and password.
Will my log-in for mobile banking change?
If you have an existing log-in as primary, it will stay the same. If you are a joint account holder, you will have the option going forward to create your own unique log-in to access your online banking. *Save or write down your username and password for online banking. Keep your log-in information in a secure place where you will remember it.
What if I have multiple accounts?
If you currently access multiple accounts with different logins, they will appear in one combined view under the account holder's most recently used login. If you find your login is not working, please try one of your other frequently used First Community Username/Password login combinations.
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Payments and Deposits
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What happens to scheduled internal transfers during the upgrade timeframe?
Recurring internal transfers, external transfers, loan payments, and credit card payment transfers scheduled during the upgrade period will not process until after the period is complete on Tuesday, March 10th. We recommend making any internal transfers or payments prior to Friday, March 6th.
What if I need to pay a bill; How are ACH payments affected?
Payments scheduled for processing from March 7-9 will not be processed until after the upgrade period ends, which will occur on March 10, at the earliest. If you have bills due during this period, we recommend scheduling them earlier.
Will there be an impact on my direct deposit during this timeframe?
Direct deposit, Social Security, and other recurring payments will continue to post to your account.
Will I need to update my Bill Pay payees and payments?
Your existing payees and scheduled payments should transfer over during the upgrade period. However, we recommend verifying all payees and scheduled payments after the upgrade to ensure accuracy.
I know the ATM is available for withdrawals, but will I be able to make an ATM deposit during the upgrade period?
Yes, you will be able to withdraw cash from the ATM.
Although you will be able to make ATM deposits, your deposit will not be credited or post to your account until after conversion.
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To support you during our upgrade, we have provided a thorough member booklet that can be accessed at any time. We encourage viewing it for additional details and explanations.
(Please click below)
