Mobile Banking

What is Mobile Banking?

First Bankcard Mobile offers you three more ways to access your credit card accounts:

  • Mobile Application
    • Access through a downloaded mobile application available in app stores/marketplaces
    • Menus are displayed through the app
    • Any iPhone, Android or Blackberry smartphone with a data plan can be used
  • Mobile Web
    • Launch a browser on your mobile phone and enter this URL/Web address: www.firstbankcard.com
    • Menus are displayed to a customer much like online banking enabling users to conduct banking transactions
    • Any phone that allows Internet access can be used
  • Mobile Text (SMS)
    • Access account info through text commands
    • Texts are sent to a short-code associated with First Bankcard
    • Any phone that has a text plan through their carrier can be used

How do I enroll in Mobile Banking?

To use Mobile Text, Mobile Web or Mobile Apps, you must first be registered with First Bankcard Online Banking.

There's no charge from us to use Mobile Banking, but texting or browsing rates from your carrier may apply. Get started with these steps:

  1. Go to First Bankcard online banking site (www.firstbankcard.com)
  2. Sign in using your First Bankcard Online banking username / password
  3. Navigate to the Mobile Tab
  4. You must accept the Mobile Banking Terms and Conditions

Enrolling is easily completed in 3 easy steps!

Step 1 – Enter Your Mobile Number:

  • Enter your mobile phone number on the screen where requested and click "Register"
    • Upon registration, First Bankcard Mobile will send a text message to your phone with a one-time PIN. This PIN is good for 24 hours.

Step 2 – Verify your PIN:

  • Retrieve the PIN from your phone, enter it online and click "Verify". After you register, accessing First Bankcard Mobile from your mobile device for the first time will complete the enrollment process.

Step 3 – Accounts:

  • Select the accounts that you would like to enable for mobile banking. You must assign a nickname for each enabled account.
  • Click "Save"

Why isn’t my one-time PIN working?

The one-time PIN expires after 24 hours. If you need a new one, log into your First Bankcard Online Banking and register your phone under the Mobile Banking tab.

Is Mobile Banking Secure?

  • Username and Password are the same ones that you use for First Bankcard Online Banking (firstbankcard.com).
  • Multi-Factor Authentication (MFA) is the same as First Bankcard Online Banking – same questions, same frequency
  • Password or MFA lockouts within First Bankcard Online Banking will restrict the use of the Mobile Web or Mobile Apps, or vice versa.

What functionality is available on the First Bankcard Online Banking Mobile tab?

Once enrolled, you can navigate to the Mobile tab to configure your settings.

  • You can manage your Mobile accounts
    • Enable / disable accounts
    • Change nicknames
    • Enable / disable payees
    • Add and delete mobile phone numbers for Mobile Text
    • Manage your Alerts
    • Manage your Do-Not-Disturb settings (Quiet Time, Suspend Alerts, Time Zones)

Can I use Mobile Banking on more than one phone?

Yes. Log on to your online banking account to enroll (and then activate) another phone number.

What are the Text Message commands I can use?

Purpose

Command

Aliases

View balance for account <nickname>

BALANCE <nick1>

B <nick1>, BAL <nick1>

View balance for all accounts

BALANCE ALL

B, BAL, B ALL, BAL ALL, BALANCEL

View transaction history for account <nickname>

HISTORY <nick1>

H <nick1>, HST <nick1>, HIST <nick1>, L <nick1>, LAS <nick1>, LAST <nick1>, A <nick1>, ACT <nick1>, ACTIVITY <nick1>

Retrieves the next "page" of data

NEXT

Get or change time zone setting

TIMEZONE

TZ

Stop alerts from being sent to user's phone

STOP

STP

Get additional help

HELP

HLP

If you accidently text an invalid command, you will receive the message back “First Bankcard Mobile Banking. This is an unsupported command. Reply HELP for help. Msg&data rates may apply."

How do I log in to the Mobile Web?

  • Launch browser on your mobile phone
  • Enter url for First Bankcard Online Banking. This will redirect you to Mobile Web.
  • Tap 'Sign In'
  • Enter User ID, Password, and tap 'Sign In'
  • Answer any challenge question(s)

What are the available features of Mobile Web?

Feature

Purpose

Sign on

First Bankcard Online Banking credentials are required and used for login. Possible challenge questions due to Multi-Factor Authentication (MFA)

Account Balance

View all enabled balances

Account History

View account transaction history

Transaction Search

Search by amount or date range

Transaction Detail

View post date, amount, Ref ID, Type, Status

Make a Payment

Pay against balance of any FNBO-approved credit card account. Make or schedule a one-time payment. View payment history and scheduled payments. Cancel next scheduled payment. Payment confirmation. Payees are read-only – change them on First Bankcard Online Banking site.

Contact Us

Gives customer service number

How do I log in to the Mobile App?

  • Open app
  • Enter User ID, Password, and tap 'Sign In'
  • Answer any challenge question(s) and enter 'Submit'

What are the available features of the Mobile App?

Feature

Purpose

Sign on

First Bankcard Online Banking credentials are required and used for login. Possible challenge questions due to Multi-Factor Authentication (MFA)

Account Balance

View all registered account balances. Balances will not reflect a Credit Balance on the account – if a credit balance exists, the account balance will show up as $0.00

Account History

View account transaction history

Transaction Search

Search by amount or date range

Transaction Detaill

View post date, amount, Ref ID, Type, Status

Make a Payment

Pay against balance of any FNBO-approved credit card account. Make or schedule a one-time payment. View payment history and scheduled payments. Cancel next scheduled payment. Payment confirmation. Payees are read-only – change them on First Bankcard Online Banking site.

Contact Us

Gives customer service number

How do I make a payment with Mobile Banking?

  • You must first be registered in First Bankcard Online Banking. External DDA or checking or savings accounts must be added online and used online the first time to create a webpay history before the account is usable in mobile. After the payment from online posts, the account will be available to use on mobile.
  • Your external DDA or checking/savings accounts are listed in mobile banking as "Pay From" accounts.
  • Your First Bankcard credit cards are listed as "Pay To" accounts. Pay To accounts can only be enabled online, not in mobile.

What is an Alert?

  • An alert is a message sent to your mobile device when triggered by a particular event.
  • You can set up your alerts from Mobile Web, Mobile App or First Bankcard Online Banking > Mobile tab

What are the different kinds of Alerts?

There one-way (conditional) alerts and two-way (actionable) alerts:

One-Way (Conditional) Alerts:

Alert

Purpose

Online Banking Username Changed

Sent if you change your username

Online Banking Password Changed

Sent if you change your password

Statement Available

Sent if your e-statement is available for viewing – not from Mobile, but from Online Banking

Nearing Credit Limit

Informs you that an account is nearing a credit limit (default is set at $100)

Payment Due

Informs you when a payment is due for a specified account

Payment Posted

Informs you when a payment has posted to a specified account

Payment Not Posted

Informs you when a payment is due but has not posted to a specified account

Credit Limit Exceeded

Informs you when a credit limit is exceeded for a specified account

Two-Way (Actionable) Alerts:

Alert

Purpose

Declined Transaction

You are informed that a transaction has been declined on a specified account and will be prompted to confirm that you initiated the transaction

Card Not Present

You are informed that a card not present transaction has occurred on a specified account are will be prompted to confirm that you initiated the transaction

Foreign Country

You are informed that a transaction has occurred in a foreign country on a specified account and will be prompted to confirm that you made the transaction

Pay at the Pump

You are informed that a pay at the pump transaction has occurred on a specified account and will be prompted to confirm that you made the transaction

Transaction Verification (User Defined)

You will be notified that a transaction has exceeded a user defined threshold on a specified account and will be prompted to confirm that you made the transaction

Note: Alerts expire after 24 hours, and will drop off your account after one week.

I have multiple accounts. On the mobile app it shows me the last 4 digits, but on the mobile web it just says CC1, CC2, etc. How can I change this?

Default nicknames are used for accounts when you register. You can change the nicknames that appear using the Mobile Banking tab online.

I have multiple accounts appearing, and some are closed. How can I get rid of the accounts I don’t want to see?

All eligible accounts are automatically enabled when you register. You can enable/disable accounts using the Mobile Banking Tab online.

On the Payment Due alert, it requires a "Threshold" and is pre-filled with the number '3'. What is this?

'Threshold' is the number of days in advance for the alert to be sent out before the payment is due. The default is 3 days, but you can select what you would like it to by using the Mobile Tab on online banking.

On the Transaction Verification alert, it asks for a "Threshold". What is this?

‘Threshold’ is the 'amount over' which you want to be notified of. You can fill in the amount you like.

Is Mobile Banking Banking available for iPad® and iPod touch®?

Yes. Mobile Web and Mobile App sign you up automatically the first time you access First Bankcard Mobile with these devices.