Complete instructions for accessing your First Community Credit Union account online or through the mobile app — including first-time enrollment, password reset, MFA setup, biometric login, and session security policies.
First Community Credit Union online banking is accessible via web browser at firstcommunity.co.com and through the mobile app on iOS and Android. New members must complete a one-time enrollment using their member number, last 4 digits of their Social Security Number, and date of birth before they can log in. Returning members log in with their chosen username and password, with multi-factor authentication as an additional security layer. The mobile app supports biometric login (fingerprint and Face ID) after the first successful password-based login. Sessions automatically expire after 10 minutes of inactivity. Password resets are available via self-service through the Forgot Password link or by calling (800) 342-8575.
How to access your First Community Credit Union account through a desktop or laptop browser.
Step 1 — Open the official website. In your browser's address bar, type firstcommunity.co.com and press Enter. Never access online banking by clicking a link in an email — always type the address directly. Verify the padlock icon appears in the address bar before entering any credentials. The padlock confirms the connection is protected by TLS encryption.
Step 2 — Click Member Login. The Member Login button appears in the top-right corner of the page header. Clicking it opens the online banking portal login screen.
Step 3 — Enter your username. Type the username you created during enrollment. If you have not yet enrolled, see the First-Time Enrollment section below. Your member number can also be used in place of a username if you have not yet created one.
Step 4 — Enter your password. Type your password in the password field. Passwords are case-sensitive. Use the eye icon to reveal the field temporarily if needed to check for typos. Never enter your password on a public computer and never share it with anyone — First Community Credit Union staff will never ask for your full password.
Step 5 — Complete MFA if enrolled. If you have multi-factor authentication enabled, you will be prompted for a second verification after password entry. Enter the one-time passcode sent to your registered phone or email, or open your authenticator app and enter the current code. The code expires within 5 minutes.
Step 6 — Your account dashboard loads. After successful authentication, the dashboard displays your accounts, balances, recent transactions, and navigation to all banking features including transfers, bill pay, statements, and account settings.
The First Community Credit Union mobile app provides full account access with biometric convenience on your smartphone.
Download the official First Community Credit Union mobile app from the Apple App Store (iOS) or Google Play Store (Android). Search for "First Community Credit Union" and verify the publisher before installing. The app icon displays the credit union logo.
First launch: Open the app and tap Log In. Enter your username and password — the same credentials used for web access. You will be prompted to complete MFA if enrolled. After the first successful login, the app offers to enable biometric login (Face ID on supported iPhones and iPads, fingerprint on Android and some iPhones).
Biometric login on subsequent sessions: Open the app. Instead of the username and password fields, the biometric prompt appears automatically. Authenticate with your face or fingerprint. The app verifies the biometric match locally on your device — your biometric data is never transmitted to First Community Credit Union servers.
If biometric fails: Tap "Use Password" to return to the standard login form. Three consecutive biometric failures disable biometric login temporarily — re-enable it through Settings > Security > Biometric Login after authenticating with your password.
The mobile app supports iOS 14 or later and Android 9 or later. Keep the app updated through the App Store or Google Play to receive security patches and feature updates automatically. The NCUA's mobile banking security guidance outlines best practices for members using mobile financial applications, including device security recommendations.
Every new First Community Credit Union member must complete online banking enrollment once before logging in.
Enrollment connects your membership credentials to a secure online banking profile. You cannot skip enrollment and log in with your member number alone — the system requires the enrollment step to establish your username, password, and MFA method.
What you need:
Enrollment steps: Go to the online banking login page and click "Enroll Now" or "First Time User." Enter your member number when prompted. Enter your SSN last 4 and date of birth to verify identity. The system will confirm your membership record. Create a username — it can be any combination of letters and numbers, at least 6 characters. Create a password that meets the strength requirements: minimum 8 characters, at least one uppercase letter, one lowercase letter, one number, and one special character (@, #, $, !, etc.). Choose your MFA method: SMS code, email code, or authenticator app. Complete the MFA verification step to confirm enrollment. Your profile is now active.
If you do not have your member number, call (800) 342-8575 during business hours. Identity verification over the phone will be required before the member number is provided.
Forgotten passwords are recovered through self-service in under two minutes — no call required.
On the login page, click "Forgot Password" directly below the password entry field. Enter your username or member number. Choose your verification method: receive a one-time code via SMS to your registered phone, or via email to your registered address. Enter the 6-digit code (expires in 5 minutes). Create a new password meeting the strength requirements. Confirm the new password. Log in with your new credentials immediately.
Password requirements: minimum 8 characters, at least one uppercase letter (A–Z), at least one lowercase letter (a–z), at least one number (0–9), and at least one special character (@, #, $, !, %, &, or *). Your new password cannot match any of your last five passwords used on the account.
If you no longer have access to the phone number or email address associated with your account, the self-service reset cannot complete. Call (800) 342-8575 for assisted recovery. Identity verification, including knowledge-based questions and member number confirmation, will be required before a reset is authorized over the phone.
Multi-factor authentication adds a critical second layer of protection. Here is how to set it up and manage it.
MFA is prompted during the enrollment process for all new members. If you skipped MFA during enrollment or want to change your MFA method, navigate to Settings > Security > Two-Factor Authentication in online banking.
Available MFA methods: SMS one-time passcode (sent to your registered mobile number, expires in 5 minutes), email one-time passcode (sent to your registered email, expires in 5 minutes), authenticator app (compatible with Google Authenticator, Authy, Microsoft Authenticator — generates a rotating 6-digit code every 30 seconds), and biometric (available through the mobile app as a second factor after password entry).
Authenticator apps are the most phishing-resistant option because the codes are generated locally on your device and never transmitted via SMS or email — two channels that can be intercepted through SIM-swapping or email compromise attacks. For members with elevated security concerns, authenticator app enrollment is the recommended choice.
To add or change your MFA method: log into online banking, navigate to Settings > Security, select Two-Factor Authentication, and follow the prompts to add a new method or update an existing one. You will be required to complete your current MFA method once before changes take effect. The Consumer Financial Protection Bureau's guide to two-factor authentication explains why MFA is the most effective individual-level protection against account takeover fraud.
First Community Credit Union online banking automatically protects you when you step away from your screen.
Online banking sessions expire automatically after 10 minutes of inactivity. This timeout applies to web browser sessions and cannot be extended or disabled by members. When the session expires, you are redirected to the login page. Any unsaved work in progress — a bill pay entry, a transfer form — is not saved when the session times out.
To avoid losing in-progress work, complete and submit transactions before stepping away. If you need a longer session for complex tasks like reviewing statements or completing a loan application, keep the session active by scrolling or navigating between sections — any page interaction resets the inactivity timer.
Always click the Log Out button (typically in the top-right of the dashboard under your name or account menu) when you are done with your session. Manual logout immediately invalidates the session token — the 10-minute timeout is a fallback for situations where you forget to log out or close the browser without logging out.
A quick reference for all First Community Credit Union digital access methods and their security features.
| Login Method | Device Required | MFA Support | Biometric Support | Session Timeout | Best For |
|---|---|---|---|---|---|
| Web browser (desktop/laptop) | Any computer with modern browser | SMS, email, authenticator app | No | 10 minutes inactivity | Full-feature banking, statements, complex tasks |
| Mobile app — iOS | iPhone or iPad (iOS 14+) | SMS, email, authenticator app, Face ID | Face ID, Touch ID | 10 minutes inactivity | Daily balance checks, transfers, mobile deposit |
| Mobile app — Android | Android phone (Android 9+) | SMS, email, authenticator app, fingerprint | Fingerprint | 10 minutes inactivity | Daily balance checks, transfers, mobile deposit |
| Mobile browser (phone) | Any smartphone browser | SMS, email, authenticator app | No | 10 minutes inactivity | Access when app is unavailable |
| Telephone banking — (800) 342-8575 | Any phone | Voice PIN + member verification | No | Call duration | Basic account info without internet access |
First-time access requires completing enrollment. On the login page, click "Enroll Now." Enter your member number, last 4 digits of your Social Security Number, and date of birth to verify your identity. Create a username and password, then set up multi-factor authentication. Once enrolled, use your new username and password to log in. Your member number appears on your welcome letter or monthly statement. Call (800) 342-8575 if you need your member number confirmed.
Click "Forgot Password" on the login page. Enter your username or member number and verify your identity via a one-time code sent to your registered phone or email. Enter the code and create a new password meeting the strength requirements (minimum 8 characters, uppercase, lowercase, number, and special character). If you no longer have access to your registered contact information, call (800) 342-8575 for assisted recovery.
After your first successful password-based login on the mobile app, navigate to Settings > Security > Biometric Login and toggle it on. The app will use Face ID (iOS) or fingerprint (Android) for subsequent logins. If biometric fails three consecutive times, re-enable it through Settings after password authentication. Your biometric data stays on your device and is never sent to the credit union's servers.
Online banking sessions expire after 10 minutes of inactivity as a security control that prevents unauthorized access on unattended or shared computers. The timeout cannot be extended or disabled. Any page interaction resets the timer. Always click Log Out when finished to immediately invalidate your session rather than relying on the automatic timeout.
First Community Credit Union online banking supports current versions of Google Chrome, Mozilla Firefox, Apple Safari, and Microsoft Edge. Internet Explorer is not supported. Keep your browser updated to the latest version for best compatibility and security. JavaScript must be enabled. The mobile app requires iOS 14 or later (App Store) or Android 9 or later (Google Play).
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Comprehensive support hub for all First Community Credit Union member questions and account services.
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