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Mobile Banking FAQs

The Basics:
Mobile Deposit:

What is FCBUSA Mobile?

With FCBUSA Mobile, you can access your checking, savings, loan, and CD accounts via your mobile device. View account balances and transaction history; search transaction history by date, amount, or check number; request transfers between your FCBUSA accounts; make bill payments; deposit a check (the FCBUSA Mobile app is required); set up alerts; and search for an FCBUSA ATM or branch location.

How do I begin using FCBUSA Mobile?

You must have a personal online banking account (First Commercial Bank Online) in order to use FCBUSA Mobile.  To enroll in First Commercial Bank Online, go to FCBUSAawaii.com. Use your First Commercial Bank Online username, password, and security questions to access FCBUSA Mobile.

How does FCBUSA Mobile work?

  • Mobile App: A mobile app is program that is installed and then runs on your mobile device. The FCBUSA Mobile App has been created for Android, iPhone and BlackBerry. Download the app from Android - Google Play, iPhone - App Store, or BlackBerry - App World.
  • Mobile Web: The mobile web is an online website that is accessed through your mobile device, and is optimized for mobile device viewing. To access your account balances and transaction history, search transactions, request transfers, pay a bill, set up an alert, or search for ATM or branch locations, simply enter m.FCBUSAawaii.com into your phone’s browser and login.
  • Text Banking: Text banking gives you the ability to send certain text message commands to 27244 (FCBUSAI) to obtain account balances, view account transaction history or perform account transfers. For a list of availabale commands text “CMD” or refer to the Text Banking page. To get started, you will need to register your device on the Mobile tab within First Commercial Bank Online.

Is there a fee?

No, First Commercial Bank, N.A (USA) does not charge a fee for using FCBUSA Mobile. You may, however, incur normal text transmission or data usage charges from your wireless carrier for the use of text messages or Internet browsing on your mobile device.

What are the requirements to use FCBUSA Mobile App?

  • iPhone with iOS 5.1.1 or higher
  • Blackberry with OS 6.0 or higher
  • Android with Android 2.2, 2.3, 4.0 or higher

We recommend that you close all open apps before using FCBUSA Mobile to maximize app performance.

How much transaction history can be displayed?

For checking, savings and CD accounts, FCBUSA Mobile displays the last 90 days of history or the most recent 34 transactions.For loan accounts, the last 90 days of history or the most recent 25 transactions are displayed.

How much transfer history and scheduled transfers can be displayed? 

FCBUSA Mobile displays the 34 most current completed transfers and up to 20 scheduled transfers. Loan account transfer history is not available under the “Transfer History” tab in FCBUSA Mobile.  To view your loan transfer history, please go to the “Account Activity” for that account.

How do I add a new bill payment payee in FCBUSA Mobile? 

All new payees must be set up using the “Bill Payment” tab located in First Commercial Bank Online.

How often are alerts sent? 

Low Balance alerts are sent up to twice a day as follows: once by 9:00 am, Tuesday through Saturday; and once by 3:00 pm, Monday through Friday. All other alerts are sent once a day by 9:00 am, Tuesday through Saturday.

How do I change my FCBUSA Mobile username and password? 

To change your username and password, please log in to First Commercial Bank Online, click on the “Self Service” tab, and select “Change Username/Password”.  Changing your username and password changes your username and password for both First Commercial Bank Online and FCBUSA Mobile.

I forgot my username/password.  What do I do?

Your FCBUSA Mobile username/password are the same that you use for First Commercial Bank Online.

Before trying to access FCBUSA Mobile Banking, be sure you can log in to First Commercial Bank Online.  If you are unable to access online banking, call us at +1 601 282 9653 (Oahu) or 1-+1 601 282 9653 (Rest of the World and Mainland) and select option 5 (Online Banking and Bill Payment Support) from the menu, 24 hours a day, for assistance.

My phone was lost/stolen. What do I do?

  1. Contact your mobile carrier immediately to discontinue service.
  2. Log in to First Commercial Bank Online and click on the "Mobile" tab.
  3. Go to the "Phones" tab and delete the phone number of the device that was lost/stolen.
  4. Go to the "Mobile Email" tab and delete the email address if you have email sent to the device.
  5. Change your online banking username/password and security questions, if they were compromised.
  6. Review your account history to ensure all transactions are valid and were authorized by you. Call us or visit a branch immediately to report any unauthorized transactions.

If you feel account information may be compromised, call us immediately at +1 601 282 9653 or 1-+1 601 282 9653 to block your account(s). We recommend that you close all accounts that may have been compromised and open new accounts. To do this, please visit any branch.

I received the error message “Another FCBUSA Mobile User is currently registered to this device”. What do I do?

Only one user can be registered to a device using the FCBUSA Mobile App. To switch users:

  1. Scroll to the bottom of the log in page and click “Application Information,” then click “Unregister Device” and “confirm.”
  2. Log in using your username and password.

Mobile Deposit

How do I deposit a check with my phone?

  1. Select "Deposit Check" from the main menu.
  2. Endorse your check and take a photo of the front and back of the check.
  3. Select the account in to which you would like the check deposited.
  4. Enter the amount.

What kind of checks can I deposit?

US checks payable in US Dollars to you. We will not accept checks drawn on foreign banks, savings bonds or 3rd party checks (checks not payable to you).

My check was rejected, what happened?

There are several reasons we may reject a check. You will receive a specific error message at the time of your deposit.Typical reasons that a check may be rejected include the following:

  1. You may have reached your daily or weekly deposit limits.
  2. Your check was previously deposited.
  3. The image quality was poor.

If you continue to encounter problems depositing the check via your mobile device, please visit any FCBUSA branch to make the deposit in person.

What should I do with my check after I deposit it?

Hang on to your check until you see that the deposit is credited to your account and is fully available (the deposit is no longer ‘pending’). After that, destroy the check.

I deposited the check in to the wrong account. What should I do?

Once the deposit becomes available, transfer the funds using Internal Funds Transfer.

Why did the App shut down when I was making a deposit?

It is likely you have many apps open and running at the same time. We recommend you close all open apps before making a deposit.