Access to Online Banking

1.Go to the bank's website at www.fcbtn.com.
2.Select 'Online Banking' and 'Login' or simply click on 'Access My Account' at the top right of your screen.
3.Enter your ID & PIN in the appropriate fields* and click Submit.

*Initial ID will be assigned by First Century Bank.

* Your Initial PIN is the last 4 digits of your Social Security Number. You will be required to change your PIN the first time you log in. (We DO NOT recommend the use of public computers for online banking or for any task in which you are required to enter ID and password information.)

* For extra security, the first time you log on you will be asked to choose from a list of challenge questions and enter your personal answers. You will also be asked to select a specific image from a gallery of memorable images. The image you choose will appear on every page.

Once you've logged in, a listing of your accounts accessible through Online Banking will be displayed.

Next to each account is a drop-down menu with the list of activities available for each account. (Some account options may not be available or may require additional fees.)

View Current Transactions

Select ‘Transactions’ from the account drop-down menu to view transactions that have posted to the account since your last statement.

To view other transactions, use the View Transactions Since drop-down menu.

To view a check image or deposit ticket, click the ‘View Image’ link or the Check Number.

Click on the column headings to change the order in which transactions are displayed. If sorting by any column other than ‘Date’, the running balance column will not be shown.

View Range of Transactions

Click ‘Select Range of Transactions’ from the transactions page. Enter the search criteria and click ‘Submit’.

Transfer Between Accounts

Select ‘Transfers’ from the Account drop-down menu or click the ‘Transfer’ tab.

• Choose Add Transfer from and select the ‘from’ account.
• Choose the account to transfer the funds to.
• Select ‘One Time’ or select the frequency and date(s) the transfer is to be made. The ‘Expiration Date’ is required for recurring transfers.

The cut-off time for funds transfers made via Online Banking is 4 p.m. Transfers entered after this time will be processed on the following business day.

Click ‘Submit’ when you are ready to complete the funds transfer. A confirmation of the transfer will display.

Adding Stop Payments

Select ‘Stop Payments’ from the Account drop-down menu or click the ‘Stop Payment’ tab.

Choose ‘Add Stop Payment’.

Fill in the required fields and click ‘Submit’.

A confirmation page will display.

To view stop payments already placed on an account, select ‘Stop Payments’ from the drop-down menu or the ‘Stop Payments’ tab.

To view Stop Payments for other accounts, use the ‘View Stop Payments for:’ drop-down menu.

Managing Your Online Banking Account

You can make many changes to your Online Banking account by Options from the NetTeller tab.

There are three options to edit:

Personal Options:

• Change your Online Banking 12-digit ID to a name or number that is easily remembered. (You can still use the 12-digit ID at any time)
• Change your PIN
• Change your e-mail address

Account Options:

• Change Pseudo Account Names
• Change the number of accounts displayed per page
• Change the order in which the accounts are displayed

Alerts:

Click ‘Add’ to add a new alert type. You will be notified through Online Banking when the activity occurs.

Bill Pay* (Optional)

First Century Bank’s online bill pay is the fastest, and easiest way to manage and pay your bills. Pay any company or individual in the U.S. Create a payee list. Schedule payments easily. Please keep in mind, a check made through bill pay will usually take from 5 to 15 days to reach the vendor.

*Pay all of your bills for FREE. No monthly service fee and no per transaction fee. In months when no bills are paid through Bill Pay, a $5 inactivity fee will be charged for that calendar month. To avoid this fee, Bill Pay users must pay at least one bill per month through Bill Pay.

Setting Up An Account for Bill Pay

• Select the ‘Bill Payment’ tab.
• Select an account from the drop down menu and click the ‘Submit’ button.
• Review the fee schedule and select the left-most digit for bill payment check numbers. (Please choose a number different from that of the checks in your checkbook.)
• Select ‘Accept’. After selecting ‘Accept’, a green message will appear indicating that your account has successfully been set up for bill pay.

Setting Up Payees (Electronic)

• Select ‘Payees’ under the Bill Payment tab.
• Click on the ‘Add Payee’ button.
• To the right of ‘Payee Type’ click on ‘Search Electronic Payee List’. An electronic payee cannot be added without performing a search. (If the requested payee is not a result of a search, it must be added as a check payee.)
• Click on ‘Select’ to select the payee. The payee name will display on the Add Payee screen. Complete the remaining fields and select Add Payee.

Setting Up Payees (Check)

• Select ‘Payees’ under the Bill Payment tab.
• Click on the ‘Add Payee’ button.
• Enter the payee information in the required fields and select Add Payee. (A check payee is any payee that is not in the electronic payee database.)

Setting Up Payments

• Select ‘Add Payment’ under the Bill Payment tab.
• Select the account from which the bill will be paid, then select the payee.
• Enter the dollar amount of the payment and any memo information.
• Choose the frequency of payment. The default is set to One-Time Payment. For recurring payments, enter the expiration date of the payment and whether or not the amount is different for each payment.
• When payment information is complete, select ‘Submit’.

Editing Payments

• Click on the ‘Bill Payment’ tab.
• Click on the ‘Quick Edit’ box for each payment you want to edit. You may select one or all payments to quick edit. This will allow you to change the amount, memo, and account from which the bill is paid.

Quick Payment (New Feature)

• Select the quick payment box for each payees you want to select for payment and click ‘Submit’.
• Enter the date, memo, account from which you are debiting, and the amount of payment for each.

Viewing Payment History

• Select ‘History’ under the ‘Bill Payment’ tab
• To view a range of transactions you may either choose the number of days from the ‘View Payment History For’ drop down menu or click on ‘Select Range of Payment History’, enter the search criteria and select ‘Submit’.