What is QuickLink Internet Banking?
QuickLink Internet Banking is an online link to your accounts at First Central Savings Bank 24 hours a day, 7 days a week. It makes banking easy by providing the means to perform a variety of functions in a secure, convenient environment. You can monitor cash position and funds availability, including float; access account information such as clearance of a specific check or crediting of a deposit; monitor balances in your checking accounts, savings accounts, certificates of deposit, installment loans, lines of credit and mortgages; review transaction history as well as transfer funds; place stop payments and reorder checks.
What equipment or software do I need to access QuickLink Internet Banking?
All that you need is a computer, a modem and an internet service provider (ISP), as well as one of our supported browsers: Netscape Navigator 6.0 (or higher), Internet Explorer 5.5 (or higher) or America Online (AOL) 3.0 (or higher) with Microsoft Internet Exlorer 5.5 (or higher). You can use either a Macintosh or IBM compatible computer.
What type of browser do I need to access QuickLink Internet Banking?
QuickLink Internet Banking Service supports Netscape 6.0 (or higher), Internet Explorer 5.5 (or higher) and AOL 3.0 (or higher).
When is QuickLink Internet Banking available?
QuickLink Internet Banking is available 24 hours a day, 365 days a year except for brief periods when the system may be taken offline for updating.
Why do I receive an error message that my account number is invalid?
The account number for QuickLink Internet Banking may be incorrectly inputted or you may be using an incorrect number. Verify your account number is correct and try again!
What steps do I need to take to begin using QuickLink Internet Banking?
You will need to open a checking account at First Central Savings Bank, complete the application, and bring it to any First Central Savings Bank branch location to be processed. If you already have a FCSB checking account, you can enroll in QuickLink by clicking the First Time Login link in the upper left-hand corner of the Login Page. Enrollment is quick and simple, allowing customers immediate access to their accounts in most cases.
What types of security measures are taken to prevent sensitive information from being intercepted online?
When logging into online banking, you will enter our 'secure server' area using the latest Secure Sockets Layer (SSL) cryptography. At a high level, SSL uses public key cryptography to secure transmissions over the Internet. From the moment account information leaves your computer to the time it enters our computers, all QuickLink Internet Banking sessions are encrypted. Browsers allow you to encrypt information so that the information is scrambled as it passes over the Internet. We use a 128-bit encryption level for the QuickLink Internet Banking site. This provides you with a high level of security that takes effect when you view account information, change passwords or perform any other online banking function through the Internet.
What should I do to assure security of my Internet bank account?
Every user has responsibility for assuring security for his/her Internet bank account. Password numbers must be kept confidential. Users should make sure that no one is physically watching as Password numbers are entered. Users may change their Password numbers as often as they like. Users should also take precautions to keep computers clean and free from viruses that could be used to capture Password keystrokes.
How do I know if my online banking session is encrypted?
If using Internet Explorer: Your banking session data is encrypted when the closed lock appears. When not in secure session, the lock is not shown.
If using Netscape Navigator: Your banking session data is encrypted when the solid key appears on the bottom of your screen. When not in secure session, the encryption key appears broken.
What do I do if I have trouble logging on to the Internet?
For problems accessing the Internet, please contact your Internet Service Provider (ISP). If you can access other websites but not First Central Savings Bank, then either our system is off-line for updating or we're experiencing a temporary disruption in service. Please try again later.
When I conduct a transaction via the Internet, when is my updated account information posted?
Transactions are posted in "real time" and are reflected in balances immediately. However, transactions initiated through Internet Banking after 8:00 PM Central/9:00 PM Eastern Time Monday through Friday and after 5:00 PM Central/6:00 PM Eastern on Saturday will not be reflected in history until the next business day after 6:00 AM Central/7:00 AM Eastern Time.
Can I transfer funds between all my accounts?
You can transfer funds between all of your deposit accounts, excluding Time Deposits and IRAs.
Can I make loan payments?
You can make a payment to your installment and residential loans.
What is the cutoff time for Funds Transfers?
There is no cutoff time for transfers. However, transfers initiated
after 8:00 PM Central/9:00 PM Eastern Time will not be reflected in
history until the next business day after 6:00 AM Central/7:00 AM
Eastern Time. Transfers are posted in real time and are reflected in
account balances immediately.
History on savings accounts is available for approximately 13 months.
What is the difference between my Ledger Balance and Available Balance?
Ledger balance is the account balance without consideration for any restrictions on funds being considered. Available balance is the ledger balance less any funds that have some kind of restriction or hold on them, usually for a temporary period of time to verify the clearing of a deposit item.
How does check reorder with Deluxe work?
Deluxe check order is a secure link from QuickLink Internet Banking to Deluxe that transfers your customer account number and related information to Deluxe to retrieve the you customer profile and check order information from the Deluxe database. This saves you the time and trouble of filling in the information on an order form. The Deluxe system provides many options from which the you can choose to reorder checks with any of the features and accessories from the Deluxe product catalog. The cost of your check reorder will be debited automatically from your account.
What if I forget my Password and/or have been locked out of QuickLink Internet Banking. What should I do?
For security purposes, simply call a customer service representative at your branch (for branch locations and contact information visit our Home page at www.firstcentralsavings.com for Contact Information and we will reset your Password. Once your Internet Password has been reset, you should log on and change the Password.
What is QuickPay Bill Payment?
First Central Savings Bank QuickPay Web-Bill Payment Service is an optional service offered only in conjunction with the First Central Savings Bank QuickLink Internet Banking Service. You may use your personal computer over the Internet to make authorized payments to designated merchants or payees from your checking account. When you want to pay a QuickPay Web-Bill, you just specify which merchant to pay, which checking account to use, and the date to process the payment. It's easy and fast. No checks to write, no envelopes to address and no stamps to lick. The following limitations apply:
How much does First Central Savings Bank QuickPay Bill Payment cost?
First Central Savings Bank QuickPay Web-Bill Payment Fees will be charged in accordance with FCSB’s Schedule of Fees and Charges as revised from time to time. This fee is in addition to any other account fee you may be paying, and it does not include any costs associated with your Internet service provider.
When will payments be sent using Internet QuickPay Bill Payment?
Payments are processed one to three business days before the payment date, depending on the payment method, to ensure the payment arrives by the Subscriber payment date. You must schedule the payment at least four business days prior to the date you want the payment to reach the Payee. In the event there is not a four-business day lead-time, the payment will roll forward to the next business day. Payments can be cancelled up to four business days prior to the Scheduled Payment Date (up until the time of the selector run). Depending on the payment method, a payment may be cancelled after the cut off time, if the payment is still displayed on the pending payments screen in Genesis
Can I add a merchant and pay them immediately?
Yes, by clicking the "Add A Payee" button, you can add a Payee to your Payee list. You must add payees to your payee list in Payee Setup before you can make payments. If you have not added the payment account that you want the payment withdrawn from, go to My Profile - Payment Account Information to add the account.
What record will I have of my payments?
We'll list everyone you pay right on your checking account statement.
You'll have a quick reference with date and amount of every payment.
What if I have a problem with a payment?
You can inquire on-line about payments from the payment history list within the QuickPay Bill Payment System or simply call a customer service representative at your nearest branch.
How do I know if I have the right browser?
Before the steps listed below, the browser version should be checked against the minimum requirements for Internet Banking as stated above. The version should be listed on the "Help About" screen:
If you use Internet Explorer, follow three steps...
If you use Netscape, follow three steps...
In addition, your Internet Service Provide must support Secured Socket Layers.
Is my personal information safe with First Central Mobile?
Yes. Your personal information is safe with us.
What if I forget my Unique ID or password (Security Credentials)?
Access the “Forgot your password” link from the password entry screen and follow the prompts or call us at 866-400-8674.
How do I increase the security of my mobile device?
Password protect your device
Clear data from your device frequently
Downloading apps (Apple App Store, Google play and Amazon Store)
What should I do if my device is lost or stolen?
What is First Central Mobile?
Our free service that gives you access to the most frequently performed banking tasks from the convenience of your mobile device. You will be permitted to access many features available via First Online, such as view account balances, history, pay bills, transfers between linked accounts, deposit checks and locate branches and ATMs.
Who is eligible to use First Central Mobile?
Any personal customer who uses First Online Banking today can use First Central Mobile. The same credentials used for First Online banking are used for Mobile banking. If you are not currently using First Online you must first enroll at www.myfcsb.com.
What devices can I use for First Central Mobile?
First Central Mobile App iPhone, iPad, Samsung Galaxy, Samsung Tablets, Amazon Tablets
How do I enroll to use First Central Mobile?
Here are the steps designed to secure your personal information:
What types of access points are there?
Mobile application (app)
First Central Mobile App
What is First Central Mobile app?
The First Central Mobile app is a free, downloadable application for iPhone®, iPad® and Android™ smartphones and tablets that lets you see what’s happening with your accounts, send money, transfer money, pay bills, add billers and deposit checks. You can get to the app easily through a shortcut on your phone or tablet home screen.
iPhone and iPad are registered trademarks of Apple Inc.
Why does the app request so many permissions?
The permissions requested allow various features to be used.
How much does it cost to use First Central Mobile App?
There is no charge from First Central Savings Bank for this service. Standard data charges apply through your mobile carrier. A fee may apply for optional services refer to our fee schedule.
First Central Mobile Web
What is First Central Mobile Web?
You can access the First Central Mobile Web through your phone’s web browser. It gives you a version of features First Central Savings Bank offers online that’s optimized for viewing on your mobile device.
How do I set up First Central Mobile Web?
Would First Central Mobile Web work on my smart phone or Tablet?
Yes. A smart phone or tablet is all you need to access First Central Mobile web.
How much does it cost to use First Central Mobile Web?
There is no charge from First Central Savings Bank for this service. Standard data charges apply through your mobile carrier. A fee may apply for optional services refer to our fee schedule.
First Central Mobile SMS (Text Banking)
What is First Central Mobile SMS?
Text Banking is a unique way to get your account information quickly using any phone with texting capability. (Short codes)
What is the difference between text banking and the App?
Text banking if informational, you may retrieve balances, history, branch/ATM locations without requiring a login.
App banking is transactional, you may make payments, transfer funds and deposit checks.
Is any personal information exchanged via text?
No personal information is exchanged through your mobile device for text banking.
How do I set up First Central Mobile SMS?
How do I use First Central Mobile SMS?
You can text the following commands to us at 48179.
How long will it take to receive a response?
Messages are usually returned within one minute.
Why did I get more than one reply to my text?
We make every effort to reply via a single text. However if you have several accounts the message may split into two. In some cases, messages may arrive out of sequence.
How much does it cost to use First Central Mobile SMS?
There is no chanre from First Central Savings Bank for this service. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. A fee may apply for optional services refer to our fee schedule.
What is Mobile Check Deposit?
Mobile Check deposit is a free service that is included in First Central Mobile App. This service allows clients to deposit check using the device camera on their device. (Please Note: carrier text and data usage charges may apply.)
What types of accounts can I deposit checks into?
You may deposit checks to your First Central Savings checking accounts.
Is there a fee for First Mobile deposits?
No, First Central Mobile deposit is free to First Central Savings Bank customers.
Is there a limit on the amount and or number of checks I may deposit?
Yes, you are limited daily to $1,000.00. There is no restriction on the number of checks you can deposit.
What types of checks can I deposit via First Central Mobile?
Original checks drawn on U.S. financial institutions in U.S. Dollars, which are payable to and endorsed by the account holder, and include the words, “mobile deposit”.
The following are not eligible for First Central Mobile:
When will my deposits be available?
Please refer to First Central Savings Bank Funds Availability Schedule for detail information on funds availability.
How will I know when my check has been posted to my account?
You will see a credit to your account once the deposit has been approved by the bank. Your check will be processed on the same business day if received before 3pm ET. If received after 3:00pm ET on a business day, weekend or holiday, it will be processed on the following business day. Please do not dispose of your check or attempt to process through another channel (ATM or in-branch) or at another institution.
Why is my deposit not accepted?
You may be unable to deposit your check because of a few common errors such as (1) folded or torn
corners (2) image is not legible (3) missing endorsement (4) routing and account numbers are unclear (5)
check was already deposited.
What should I do with the original check after I have deposited it?
Retain the original check in a secure location for thirty (30) days following receipt and credit of the deposit to your account. We recommend that you completely destroy each original check after this retention period. A paper shredder is a good method for secure destruction of original checks.
Can I pay bills using First Mobile?Yes. You must first sign in to First Online via your computer, enroll in bill pay and add your payees. You can make payments to existing payees via First Central Mobile.
Can I add a payee using First Mobile?
No. You are not permitted to add new payees. You may access your existing payees to make a payment, change a payment or cancel a payment.
Who do I call for help?
For help with your deposit account, please call your branch.
If you're having technical issues with your phone or have questions about mobile data access or data charges on your phone bill, contact the customer service department of your mobile service provider.
Is my online application secure?
First Central Savings Bank uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding "decoder," the transmission would look like nonsense text and would be unusable.
Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents.
Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct "decoder" in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is - the longer the key, the longer it would take for someone without the correct "decoder" to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).
What do I need to open an account with First Central Savings Bank?
There are several things you will need to refer to – and provide - during the account opening process:
You’ll be asked for your U.S. Social Security number and valid form of identification including: Driver's license, State ID, Passport
You will also need to provide personal information, including your date of birth, employment information
If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, we will be unable to your account online. Please visit one of our branches for assistance.
What if I don’t have any pieces of identification on your list?
If you do not have any of the identification documents we have requested, you may still be able to open an account at one of our branches. Before you come to see us, please call the branch where you plan to open your account to discuss the identification documentation you are missing.
Why is personal information required to open an account online?
Your application is processed subject to our ability to verify your identity.
What happens if I do not agree to the terms and conditions?
If you do not agree to the terms and conditions in our disclosure, you will not be able to open an account with us.
What is a promotional code?
A promo code is a series of numbers and letters that you may have received from First Central Savings (First Central Direct) in conjunction with a promotion or offer. Your promo code is indicated on the communication material you may have received from us. Examples of communications would be a brochure that you received in the mail or a web page ad. You can enter this offer code on your online application. If you do not enter the promo code you will not receive the bonus, so be sure to enter the code you received in the "promotional code" field when you open an account online.
I don’t have an email address. Can I still open an account?
In order to open an account online, the primary account owner must have an e-mail address. If you do not have an email address, please visit any one of our branches to open an account.
How long will it take after I apply?
If there are no exceptions during the review process, your account will be opened immediately. You will receive a confirmation with your account number at the end of the process. If there are exceptions and further review is required or if we need to contact you directly, you should expect to receive your welcome email with your new account number within two (3) business days.
What information do I need to open a joint account?
A detailed list of required information for all account owners, individual and joint, can be found on the introductory page of the application process.
What is a politically exposed person (PEP)?
In financial regulation, "politically exposed person" (PEP) is a term describing someone who has been entrusted with a prominent public function for example Heads of State or of government, senior politicians, senior government, judicial or military officials, senior executives of state owned corporations, important political party officials.
I do not want my home address to appear on my account. Can I use a post Office Box instead?
You can give us a Post Office Box as a mailing address, but we must also have your home address for our records. Our account application process allows you to make this distinction.
Can I save my application and finish it at a later time?
Yes, the application can be saved and returned at a later time. Follow the on screen prompts to save the application. If you need help along the way, call us at 800-400-8674.
How will I be notified when my account was opened?
You will be notified immediately online and via E-mail and U.S. Mail when your account has been opened. You'll also receive instructions about viewing your new account information online at that time.
How do I fund an account I opened?
To fund an account online, you can transfer funds from your account at another financial institution, you can transfer funds from your existing account. No matter which method of funding you choose, please ensure that sufficient funds are available to be transferred.