First Community Bank of the Ozarks

As good neighbors to all our friends in the Branson area, we like to invite you to get to know us better. Although checking us out online is very convenient, it could never replace the warmth of a hearty handshake and a friendly hello. Take a look at what we have to offer, but the offer to drop by is always on the table.

Treating each other like family is more than just a motto, it really is why we do business.

Online Banking Support
• F.A.Q. • Features • Help
 
 
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FAQ Regarding Online Banking
After how many invalid logon attempts will I be locked out of FCB Online?
Three (3) invalid logon attempts will lock you out of FCB Online. For assistance, contact Customer Service at your local facility during banking hours.
Can I use FCB Online if I only have a CD, Loan or Savings Accounts?
Yes. If you have a First Community Bank of the Ozarks account - CD, Loan, Savings, or Checking product - you can set up a FCB Online account for FREE. You must have a checking account to use the Bill Payment feature.
How can I add or delete an account from FCB Online?
The change can be made by contacting Customer Service at your local facility during banking hours.
How can I reset my Internet Banking Account (not Bill Payment)?
Contact Customer Service at your local facility during banking hours or e-mail your request to info@fcboz.com
How can you guarantee the security of my banking information?

First, we use 128-bit encryption, the highest form of encryption currently available, to secure your FCB Online sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.

For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts. These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and First Community Bank of the Ozarks is both secure and authentic.

How do I know if my browser has 128-bit encryption?
By clicking on the Test Browser button on the right side of the FCB Online Sign-on page.
If I have a question about FCB Online, whom should I call?
Contact Customer Service at your local facility during banking hours or e-mail your question to info@fcboz.com.
What do I need to gain access to FCB Online?
User ID, PIN, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing.
What does FCB Online cost?
Internet Banking and Bill Payment are free to all customers.
What happens if I lose or forget my ID or PIN?

If you lose/forget your FCB Online ID, contact Customer Service at your local facility during banking hours.

If you lose/forget your FCB Online PIN and have set up a security question and answer in the Personal Settings section in FCB Online, click on "Reset Password" on the login page and follow the prompts. If you have not set up a security question and answer in the Personal Settings section in FCB Online, contact Customer Service at your local facility during banking hours.

What services are offered through FCB Online?
  • Unlimited in the number and type of accounts to access.

  • Transfer funds between all checking and savings accounts (regulatory limitations may apply).

  • Transfer funds from checking/savings to loan accounts or line of credit accounts (Cash Reserve) at First Community Bank of the Ozarks allowing for Interest/Principal payment distribution.

  • Transaction history on all deposit and loan accounts.

  • Check Imaging with front and back images on all cancelled checks.

  • Obtain account information on your Checking, Savings, CD’s, Loan, and Safe Deposit Accounts.

  • Bill Payment Option - access the designated checking account to pay most bills.

Will FCB Online be available to me all the time?
It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.
Who can have FCB Online?
Any consumer, sole proprietor, partnerships, or corporation can use Internet Banking and Bill Payment.
How can I get FCB Online?
First Community Bank of the Ozarks customers can start FCB Online by visiting any Customer Service Representative at any branch location, or by applying online.
Bill Payment
Are there any merchants that I cannot pay through the Bill Payment service?
Yes. You may not use Bill Payment to pay any government agency.
Can I have multiple payments to the same payee on the same day?
You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
Can I edit merchant addresses?
No. In order to change a merchant address, you will have to set up a new merchant with the correct address and delete the entry with the incorrect address.
Can I get a copy of a cancelled Bill Payment check?
You can request a copy by contacting Customer Service at your local facility during banking hours. There may be a fee associated with this service.
Can I set up recurring payments?
Yes. You can set up recurring payments in the following frequencies:
  • Weekly
  • Bi-Weekly
  • Semi-monthly
  • Monthly
  • Quarterly
  • Semi-Annually
  • Annually
  • Can I use Bill Payment if I live outside the U.S.?
    Yes, as long as you have a checking account at First Community Bank of the Ozarks; however, payments can only be made to locations in the United States.
    How do I know if a merchant is electronic or check?
    Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check.
    How far in advance can I schedule payments?
    You may schedule payments as far in the future as you want. Recurring payments can have an ending date of any year in the future.
    How far in advance should I set up a payment to insure it is paid on time?
    Check payments should be scheduled at least seven (7) business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made three (3) business days in advance of when you want the payment to be posted at the payee.
    How late in the day can I edit or delete a payment?
    You may edit or delete a payment request anytime before 12:00 P.M. (Central Time) on the day the payment was requested. For example, if a payment request is entered today, you may edit or delete the payment until 12:00 P.M. today. If a payment request is scheduled for a future date, you may edit or delete the payment request anytime before 2:00 A.M. Central Time of the “effective date” of the payment.
    How long is history retained in the VIEW PAYMENT HISTORY section?
    Payment History records are kept for eighteen (18) months.
    How many payees may I set up?
    You may have an unlimited amount of payees.
    Is there any minimum and maximum payment amount?
    Yes. The minimum payment amount is $1.00. The maximum amount of an electronic payment is the amount of funds available in the account or $499,999.00. The maximum amount of a check payment is the amount of funds available in the account or $9,999,999.00.
    What does the "status" field indicate on the PAYMENT HISTORY PAGE?
    Status Value: Payment Pending
    Definition: The payment has been processed, but not yet sent.

    Status Value: Payment Processed
    Definition: The payment has been processed and sent.

    Status Value: Hold
    Definition: The payment has a research request on it and has not been processed.

    Status Value: Stopped
    Definition: You have requested the payment to be stopped. It cannot be processed again.

    What happens if I have a scheduled payment that falls over a weekend or holiday?
    Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Any new payments that are scheduled during the weekend, for the current weekend, will be processed on the next business day. Holiday processing is done the following day after the holiday.
    What if I do not have enough money in my account?
    Bill payment items are treated just like any other check you write. Should the item be returned, a hold may be placed on your bill payment service.
    When will the money be taken out of my account for bill payments?
    If the payment is by check, the money will be withdrawn from your account when the check clears the bank. If the payment is electronic, it is withdrawn from your account when the payment is processed. To insure adequate funds are available in your account, it is a good practice to have the funds in your account on the scheduled payment date.
    Will the memo field that I fill out when setting up a payment be passed on to the merchant?
    The memo field is printed on payments that are made by check but not on electronic payments.
    Who do I call if I have problems with Bill Payment?
    Contact Customer Service at your local facility during banking hours.
    Whom can I pay through FCB Online Bill Payment?
    You can pay ANYONE in the United States (excluding government agencies) - from your next door neighbor, to the utility company, the bank, and even a child in college across the country! You cannot make payments to any government agency.
    Transfers
    Are there excessive withdrawal limits when transferring from my Money Market or Savings Accounts?
    Due to Federal Regulations, the customer is permitted or authorized to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per month or statement cycle (at least four weeks) to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer or telephone agreement and not more than three of the six such transfers may be made by check, draft, debit card, or similar order made by the depositor and payable to third parties.
    Between what accounts can I transfer?
    You may transfer between all your designated deposit or loan accounts at First Community Bank of the Ozarks. Some accounts may be excluded from transfer capability due to regulatory requirements, bank policy, or loan agreement between the customer and First Community Bank of the Ozarks.
    How late can I make a transfer and still have it post to my account that night?
    A transfer can be made up to 12:00 P.M. Central Time during any business day for that transaction to post that night. This includes all transfers between deposit accounts and loans. A transfer made today after 12:00 P.M. will "memo post", but will not actually appear until the next business day.
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