Get answers fast. The First Community Credit Union Help Centre covers accounts, loans, digital banking, membership, and security — organized by category so you can find what you need without calling.
If your question is not covered here, member services is available at (800) 342-8575, Monday through Friday 8am to 6pm ET, and Saturday 9am to 2pm ET. Digital banking support is available 24/7 through secure message in online banking.
The First Community Credit Union Help Centre provides self-service answers across five categories: Accounts, Loans, Digital Banking, Membership, and Security. Phone support is available at (800) 342-8575 Monday–Friday 8am–6pm ET and Saturday 9am–2pm ET. Digital banking and the mobile app are accessible 24/7. For identity theft guidance, the Consumer Financial Protection Bureau offers resources at consumerfinance.gov.
Opening, managing, and closing share accounts at First Community Credit Union.
How do I open an account? Eligible members can open a primary share savings account online or at a branch. A government-issued ID, Social Security number, and $5 minimum deposit are required.
What types of share accounts are available? First Community Credit Union offers primary share savings accounts, checking accounts, money market accounts, and share certificates with terms from 3 to 60 months.
How do I add a joint owner? Call (800) 342-8575 or visit a branch. Both the primary account holder and the joint owner must present photo ID and sign a joint account agreement. Joint accounts carry separate NCUA insurance coverage up to $250,000 per joint owner.
How do I update my address or contact information? Update contact information in online banking under Profile Settings, or call member services. Keeping contact information current ensures account alerts and correspondence reach you promptly.
What is a primary share account? The primary share account is the foundational savings account that establishes your membership and ownership stake. A minimum $5 balance maintains your membership status. Dividends are credited monthly.
For consumer financial guidance, the Consumer Financial Protection Bureau at consumerfinance.gov provides independent resources on understanding your account rights.
Applying, managing, and paying off loans at First Community Credit Union.
How do I apply for a loan? Apply online through online banking, by phone at (800) 342-8575, or in person at a branch. Personal loan decisions are typically made within one business day. Mortgage applications may take longer depending on documentation requirements.
What credit score do I need? Minimum credit requirements vary by loan type. First Community Credit Union evaluates the full member relationship, not just the credit score. Members with limited credit history may qualify with a co-signer or share-secured loan.
Can I make extra payments on my loan? Yes. Additional principal payments can be made at any time through online banking, by check, or at a branch. There are no prepayment penalties on personal or auto loans. Confirm mortgage terms for prepayment provisions.
How do I set up automatic loan payments? Enroll in AutoPay through online banking under Loan Accounts. Payments are debited from your designated share account on the due date. AutoPay enrollment may qualify you for a rate discount — confirm with member services.
What happens if I miss a loan payment? Contact member services at (800) 342-8575 before the due date if you anticipate difficulty. First Community Credit Union offers hardship assistance programs that may include payment deferrals or modified payment schedules for qualifying members.
Online banking, mobile app, and digital services at First Community Credit Union.
How do I enroll in online banking? Click "Enroll" on the login page. You will need your member number, last 4 digits of your Social Security Number, and date of birth. Create a username and password, verify your identity, and complete MFA setup. See the full login guide for step-by-step instructions.
Is the mobile app available for both iOS and Android? Yes. Download the First Community Credit Union mobile app from the Apple App Store or Google Play. The app supports biometric login, mobile check deposit, fund transfers, bill pay, and card management.
How do I set up account alerts? In online banking, go to Notifications under Settings. Choose alerts for transactions over a set amount, low balance, debit card use, failed login attempts, or large withdrawals. Alerts can be delivered by text, email, or in-app notification.
What is mobile check deposit? Mobile deposit lets you deposit a paper check by photographing the front and back using the mobile app camera. Funds are typically available the next business day. Daily and monthly deposit limits apply — check the app for current limits.
How do I pay bills through online banking? Go to Bill Pay in online banking. Add payees using their account number and billing address. Schedule one-time or recurring payments. Most electronic payments are delivered within one to two business days; paper checks may take three to five business days.
When and how to reach First Community Credit Union support.
| Channel | Availability | Best For |
|---|---|---|
| Phone: (800) 342-8575 | Mon–Fri 8am–6pm ET, Sat 9am–2pm ET | Fraud reports, account changes, loan inquiries |
| Secure Message (Online Banking) | 24/7 submission, responses within 1 business day | Non-urgent inquiries, document requests, disputes |
| Mobile App | 24/7 | Balance checks, transfers, card freeze, mobile deposit |
| Branch Visit | Branch hours vary by location | New accounts, notarized documents, complex transactions |
Click "Forgot Password" on the login page. Enter your member number and registered email address. A reset link valid for 15 minutes will be sent. Create a new password meeting minimum requirements (8+ characters, at least one number and one special character). If you do not receive the email, check spam or call (800) 342-8575.
Call (800) 342-8575 or visit a branch. Both the primary account holder and the joint owner must present government-issued photo ID and sign a joint account agreement. Adding a joint owner also increases NCUA insurance coverage — joint accounts are insured up to $250,000 per joint owner separately from individual account coverage.
Call (800) 342-8575 or submit a dispute through secure message in online banking. Provide the transaction date, merchant name, and amount. For unauthorized debit card charges, First Community Credit Union's zero-liability policy applies. Provisional credit is typically applied within two business days; investigations may take up to 10 business days.
Yes. Eligible individuals can open a primary share savings account at firstcommunity.co.com. You need a government-issued ID, Social Security number, and a funding source for the $5 minimum deposit. Additional accounts can be opened through online banking once membership is active.
Call (800) 342-8575 or visit a branch. Ensure all pending transactions have cleared and redirect any automatic payments or direct deposits. Outstanding loan balances must be paid in full. Closing the primary share savings account ends membership. Remaining funds are disbursed by check or external transfer.
Step-by-step instructions for enrolling in and accessing First Community Credit Union online banking.
Learn about encryption, MFA, fraud monitoring, and how to protect your accounts.
Set up real-time notifications for transactions, logins, and balance thresholds.
Reach member services at (800) 342-8575, Mon–Fri 8am–6pm ET.
First Community CU