Frequently Asked Questions
Online Banking -Multi-Factor Authentication- E-Statements
Online Banking FAQ
Q: Can I pay bills online?
A: Yes, First Columbia's Online Banking offers a bill paying option that you may choose to enroll in. Click here to add bill payment to your First Columbia Online Banking.
Q: Is there a charge for Online Banking?
A: There is no charge for the basic Online Banking service.
Q: Is there a charge for bill payer?
A: There is no charge for consumer Online bill payment.
Q: May I have bill payments sent out on a future date?
A: Yes, just change the "Send On" date on the bill payer screen to a date in the future. The payment will be sent out on the date specified.
Q: What happens when I enter an invalid password?
A: If you enter an invalid password, you may attempt to log in again. If you enter an invalid password three times in a row, the Online Banking system will place a permanent lockout on your account. If you should get locked out, please contact First Columbia's Online Banking Department at 570-387-7144. You may also email a request.
Q: What are cookies?
A: A "cookie" is a small piece of information sent by a web server to store on a web browser so it can later be read back from that browser. This is useful for have the browser remember some specific information.
Q: What are cookies used for?
Q: What about the security with cookies?
A: An HTTP cookie cannot be used to get data from your hard drive, get your email address or steal sensitive information about you. HTTP cookies can be used to track where you travel over a particular site. The site tracking can be easily done without using cookies.
Q: What web browsers are supported for use with First Columbia's online banking?
A: The following web browsers are supported:
*Internet Explorer 7 does not support certain features, such as drag-and-drop ordering of accounts, etc. First Columbia recommends using an alternate browser for our Online Banking, if available.
- Internet Explorer 8 and 9
- Internet Explorer 7*
- Chrome 11 and above
- Firefox 3.6 and above
- Safari 5.0 and above on Mac OSX
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Q: Why do I need this new security feature?
A: First Columbia Bank & Trust Co. is providing this enhanced security feature that helps to protect you while you access your accounts online. We are committed to protecting you against attacks from fraudsters attempting to steal your identity.
Q: Where do I enter my password?
A: You must still enter your password, but not until we give you the opportunity to verify that you are at First Columbia’s web site.
Q: What is a look-a-like site?
A: Website look-a-likes, where a website is created that is identical to one commonly used by consumers, are becoming more common. Upon entering the web address, consumers are redirected to this look-a-like site, where they unknowingly provide the criminals with their personal information such as a login ID and password.
Q: How will I know that I am not at a fraudulent site?
A: Previously, you logged into Online Banking using your ID and Password, now you will also use an image and a phrase. Your image and phrase will help you to identify that you are on the First Columbia web site, not a fraudulent look-alike site.
Q: How easy is this new security feature to use?
A: Our new login process is extremely easy for anyone to use. Just use the First Columbia site as usual, and look for your image and phrase at login.
Q: Why has the login process changed?
A: Login has changed to protect the privacy and the security of your personal information.
Q: Can I access my Online Banking account from multiple computers?
A: Yes, you will still be able to access your First Columbia account information from any number of computers. If you login to a new computer or a public terminal, you will just need to go through one extra step of answering a “Challenge Question.”
Q: Why am I being asked a questions when I try to login?
A: We will ask you the “Challenge Question” when we detect that you are trying to login from a new computer. This is to prevent unauthorized access to your accounts. After you answer the question, you will be asked whether we should remember this computer for future logins. If you are using a public terminal, you will want to answer no.
Q: Can I change my image and phrase at any time?
A: Yes, you can change your image, phrase and “Challenge Question” by selecting the appropriate check box during login.
Q: What should I do if my image and/or phrase are incorrect?
A: Call First Columbia Bank & Trust Co. immediately at 387-7144.
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Q: What are E-Statements and how can I get them?
A: E-Statements, or electronic statements, replace paper statement where you can view, save or print your statement image at your convenience. There is no charge for E-Statements.
Q: Where do I view E-Statements?
A: You view your E-Statements within your FCBT Online Banking account. Sign into Online Banking, select the “History” tab, then select the “Statement” tab.
Q: Will my E-Statement look the same as the printed statement?
A: Yes, and it will contain all the same information.
Q: How will I be notified that my E-Statement is ready?
A: You will be notified by email that your monthly statement is ready.
Q: Can I have E-Statement delivery for more than one account?
A: Yes. You can choose electronic delivery for all your eligible accounts.
Q: How much will E-Statements cost?
A: Nothing, this is a free service.
Q: Can I cancel the monthly email that my current statement is available?
A: No, the email is sent for your security and protection.
Q: What if I can’t access my E-Statement?
A: Please contact First Columbia’s Operations Department at 570-387-7144.
Q: What if I need to see older statements, will fees apply?
A: In some cases, additional fees may apply to get copies of older statements.
Q: Will I continue to receive paper copies of my statement if I sign up for E-Statements?
A: Paper statements are no longer sent to you when you enroll in E-Statements.
Q: How long will I be able to see my E-Statements?
A: Once you enroll, going forward you will be able to see your statements for up to one year.
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