Customer Service BANK (2265) Weekdays: 7:00 a.m. - 10:00 p.m. Weekends: 8:00 a.m. - 6:00 p.m. cbc@fcbanking.com. Online Banking Guide

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1 Customer Service BANK (2265) Weekdays: 7:00 a.m. - 10:00 p.m. Weekends: 8:00 a.m. - 6:00 p.m. cbc@fcbanking.com Online Banking Guide

2 Table of Contents Welcome 2 First-Time Users Navigate Online Banking MY VIEW 3 Customizing Your Banking Home Page View Accounts 6 Overview Transaction Details Download and Search Transactions External Transfers 9 Create New Bank-to-Bank Transfers Pending Transfers, Manage Transfers Internal Transfers 11 Manage Internal Transfers BillPay 12 Get Started Navigate BillPay Schedule Payments enotices 15 Enroll in enotices Add Additional Recipients estatements 17 Access Online Statements ONLINE SOLUTIONS TO KEEP YOUR FINANCES, AND YOUR LIFE, IN PERFECT BALANCE. Settings 18 Personal Settings ( , ID, Passwords) Account Settings, Display Settings Alerts Mobile Banking My Finance 22 Add Accounts Spending Categories and Budgeting Tools Message Center 25 View Incoming Messages Send Secure Customer Assistance 26 Customer Service: BANK (2265) 1

3 Welcome First Commonwealth Bank s Online Banking solution provides a secure and simple way to manage your finances whenever and wherever your want. First-Time Users Visit fcbanking.com and choose the My Accounts Login menu in the upper right hand corner Enroll Now! Option Select Online Banking from the drop down menu Choose Enroll Now!^ Then, complete the below steps: 1. Accept the Terms and Conditions 2. Enter the requested security information 3. Click Send Verification 4. Open the you receive and click on the link* *Please note that the enrollment process must be completed within the same browser session and on the same computer within one hour. ^ In the event that the address on file at First Commonwealth Bank does not match the address you are using to enroll, enrollment will need to be completed by calling BANK (2265). Customer Service: BANK (2265) 2

4 Welcome First Time Log In Visit fcbanking.com and choose the My Accounts Login menu in the upper right hand corner Select Online Banking from the drop down menu Enter your temporary 12-digit Online Banking ID and the last four digits of your Social Security number as your password, then click Submit Update Your Settings: You re almost there! Complete these five security steps: Step One: Change your password (required) Step Two: Select a personal image which will be unique to you each time you access Online Banking Step Three: Select and answer three security questions Step Four: Enable password reset option in your Settings tab Step Five: Enter a mobile phone number to receive important security verification codes via text (this additional security measure will be used in the setup of other Online Banking features to verify your identity). When you have completed these steps, return to your Online Banking My View page to get started. Customer Service: BANK (2265) 3

5 Welcome Navigate Online Banking Our Online Banking menu is designed with you in mind, giving you instant access to BillPay, enotices, and more! Want it even more customized? Learn about the customizations available in MY VIEW on the following page. Always use the Log Out link to securely close your Online Banking session. First Commonwealth Bank BANK Use tabs and links to access your pages. Avoid using the browser back button. Help resources, including a message center and our Convenience Banking Center contact information. Customer Service: BANK (2265) 4

6 MY VIEW Customize Your Banking Homepage With MY VIEW, you can customize your layout based on what tools you use most frequently. Customizable page/widget layout Secure message and alerts at a glance Helpful tips and resources Easy transfer options Configure This Page options allow you to move, add or hide features based on what you use most often. Customer Service: BANK (2265) 5

7 View Accounts Overview The Accounts page offers several account management options which are easily accessible using the Select Option drop-down menu or by clicking on the account name. From this page you can: View transaction detail Choose number of transactions to be displayed Search by account, date range, amount, check number, debits or credits Transfer funds View check and deposit images Download transactions to financial management software or a spreadsheet View statements Initiate stop payments Sort columns to customize view Select the option you need, including view transactions, download, view statements, and account info. Customer Service: BANK (2265) 6

8 View Accounts Transactions Details Choosing the Current Transactions option under the Online Banking tab, you can do the following: Sort transactions by date, reference/check number, debit or credit View checks by clicking on an underlined number to view or print the front or back of a check View your current collected balances Review a detailed breakdown of funds available using the Available Funds link Current Transactions option Customer Service: BANK (2265) 7

9 View Accounts Download and Search Transactions Download transactions to financial management software, such as Quicken*, QuickBooks* or a spreadsheet. Search your transaction history by account, date range, amount, check number, debits or credits. 1. Select the date range 2. Select the download format 3. Click Submit * If you have previously used Quicken or QuickBooks account registers in a different version of Online Banking, please follow the instructions found at to continue using those registers. Customer Service: BANK (2265) 8

10 External Transfers Create New Bank-to-Bank Transfers External transfers allow you to schedule transfers to or from checking or savings accounts that you have at other financial institutions. Before you can complete a transfer, you will need to add your external bank account by entering the information. Then follow the instructions to confirm the micro deposit made to your external account. Once you have added your accounts, you are ready to create transfers. You may do this by selecting the New Transfer setting under the Online Banking tab. Once you enroll an external account, you should see two small dollar transactions which will be sent to your external account within two business days. Please verify the amount of these transactions and complete the enrollment process to enable these accounts for ongoing transfers. Customer Service: BANK (2265) 9

11 External Transfers Pending Transfers, Manage Transfers The below screens walk you through how to view pending transfers and manage transfers to external accounts. Transfers scheduled prior to 2:30 p.m. EST will be posted on the same business day. Add a transfer and then choose the accounts you want to transfer to and from. View pending transfers Customer Service: BANK (2265) 10

12 Internal Transfers Manage Internal Transfers Internal transfers allow you to schedule transfers to or from checking or savings accounts or make loan payments that you have with First Commonwealth Bank. To access, choose the Internal Transfer setting under the Online Banking tab. Transfers scheduled after 10:00 p.m. EST will be processed the next business day. Internal Transfers: Create a new transfer Make a loan payment View pending transfers Edit or delete transfers View transfer history Customer Service: BANK (2265) 11

13 BillPay Get Started Our BillPay is a secure, convenient and efficient alternative to making payments by mail. You can pay a company, send money to an individual, or contribute to your favorite charity. BillPay is available to First Commonwealth Bank customers with an active checking account and Online Banking access. To get started, simply log in to Online Banking, click on the BillPay tab and then follow these steps to register: To Register: 1. Select the account from which you most often pay your bills 2. Accept the Terms and Conditions 3. Follow the helpful guidance on the Welcome Page to add payees and view the BillPay dashboard. Customer Service: BANK (2265) 12

14 BillPay Navigate BillPay You can add payees and choose to pay a person, company or bank/credit union Customer Service: BANK (2265) 13

15 BillPay Schedule Payments Making payments is fast and simple. To schedule payments from your BillPay account, simply: 1. Select the account from which you d like to pay from the Pay from drop-down menu 2. Enter the amount you d like to pay in the Amount box 3. Choose the date you d like for your payee to receive your payment by either clicking on the calendar to the right of the Payment Date box or typing in a date 4. Repeat this process to make payments to additional payees. 5. Click Review to confirm your selections 6. Click Submit payments Customer Service: BANK (2265) 14

16 enotices Enroll in enotices The primary account holder can enroll for additional enotices by selecting the enotices tab within Online Banking. Completing the enrollment requires five simple steps, shown on one screen. Select the documents you want to enroll. Customer Service: BANK (2265) 15

17 enotices Add Additional Recipients The primary account holder can enroll additional recipients to receive electronic notices under the Additional Recipients option by assigning a username and PIN and selecting the documents to enroll. Customer Service: BANK (2265) 16

18 estatements Access estatements estatements are an easy, safe and secure to manage your finances. If you d prefer to receive your statements electronically, click on the estatements tab within Online Banking. To Enroll: Step One: Select accounts for electronic delivery Step Two: Enter your address Step Three: Enter a security phrase which will be included in your estatement from us Step Four: Enter the enrollment passcode Step Five: Read and agree to the Terms and Conditions of estatements and click Enroll Now. You ll soon receive an from First Commonwealth Bank confirming your enrollment. When your statements are ready, we ll send you an containing your security phrase and a message that your document is ready for viewing. We ll store up to 3 years of statements for your easy access and management. You can even enroll others, like your spouse or accountant, to allow controlled access to your estatements. You may do this by selecting the Additional Recipients option of the enotices tab in your new Online Banking. Your estatement looks just like your paper statement MFCBI L First Commonwealth Bank PO Box 400 Indiana, PA Address Service Requested #BWNMCMC MFCBI John Crystal A Sample Ann Rickabaugh Clarion Encico St Tampa Johnstown FL PA Statement Date: 06/20/2014 XXXXXXXXXXXX3106 RAA5825 Personal Service: BANK (2265) Monday - Friday 7:00 a.m. - 10:00 p.m. Saturday - Sunday 8:00 a.m. - 6:00 p.m. Automated Service: 24 hours, 7 days Main Office: First Commonwealth, PO Box 400, Indiana, PA Enjoy 55,000 fee-free ATMs worldwide thanks to the First Commonwealth, Allpoint and Freedom Alliance Networks. Learn more and download the ATM finder app at fcbanking.com/allpoint. Summary of Bank Accounts Account # Account Type Ending Balance XXXXXXXXXXXX3106 Hometown Checking Checking Accounts Account Holder: John Crystal A Sample Ann Rickabaugh Hometown Checking Account Number XXXXXXXXXXXX3106 Statement Dates 5/22/14 thru 6/22/14 Beginning Balance Days in the statement period 32 4 Deposits/Credits Average Daily Balance Checks/Debits Average Collected Total Service Charges.00 Interest Paid.00 Ending Balance XXXX Activity in Date Order Date Description Amount Balance 5/27 Deposit /28 Deposit /28 FAVORITE SABIKA INC STORE PA *POS ID *222222* *802751* FAVORITE SABIKA INC STORE / PA *POS ID *222222* *802561* FAVORITE SABIKA INC STORE / PA *POS ID *222222* *901487* 6/09 Deposit /11 FAVORITE SABIKA INC STORE PA *POS ID *222222* *200478* Customer Service: BANK (2265) MFCBI L

19 Settings Personal Settings Customize your Online Banking experience by clicking on the Settings tab within Online Banking, where you ll find the following options: Personal: Change your address Change your password reset question and answer Customize your personal authentication image Change your Online Banking User ID Change your password Customer Service: BANK (2265) 18

20 Settings Account Settings Account nicknames (Pseudo names) help your identify your accounts more easily. Account Display Settings allow you to set default displays for account information and confirmation options. Customer Service: BANK (2265) 19

21 Settings Alerts Keeping up to speed on your finances is easy with customized Online Banking alerts. Access your alerts by selecting the Settings Tab within Online Banking. From here, you can schedule your own customized alerts for: Events like incoming direct deposits, funds transfer information or statement notifications. Balance so you ll know when an account reaches a certain threshold. Items including cleared checks. Personal reminders of important dates like upcoming birthdays and anniversaries. For each alert, choose to be notified by or log in to Online Banking by checking the or Login boxes. Alerts can be sent to any valid address. Customer Service: BANK (2265) 20

22 Settings Mobile Banking Mobile Banking is the perfect way to keep your banking at the speed of your life. Optimized for your iphone or Android smartphone or your ipad, our apps will allow you to transfer funds, view balances and more. To manage your Mobile Banking settings, visit the Mobile Banking option under the Settings tab within Online Banking. Features: View account balances View transaction history View alerts Pay bills Transfer funds between accounts Find First Commonwealth Bank locations Get Started Visit itunes or Google Play and download the First Commonwealth Bank Mobile Banking app. Remember that your wireless provider s web access charges may apply. Customer Service: BANK (2265) 21

23 My Finance Add Accounts My Finance is a secure financial management tool within Online Banking that allows you to have a view of your full financial life by adding offline accounts like bank accounts you have at other institutions, investment accounts and credit cards. From there you can set up a budget, create customizable expense categories and track spending. Just select the My Finance tab within Online Banking to get started. You will simply need to accept the Terms of Service and follow the recommended steps to complete your display set up. Then you are ready to add your offline accounts. Maintain Your Finances Track your accounts and categorize transactions Import account information from other financial institutions and accounts Develop a budget and set financial goals View account, transaction, budget and goal history reports and charts Monitor activity through customizable alerts Customer Service: BANK (2265) 22

24 My Finance Spending Categories and Budgeting Tools Use these toolbars to set up your budget, alerts, and add accounts. How Am I Doing? offers progress and message indicators. Current Month Status is calculated using your total income & expenses. Can I Buy It? helps to make an informed decision on a purchase. Help Me Get To 100% will help you get the most out of using My Finance. Net Worth is based on the accounts being tracked in My Finance. Customer Service: BANK (2265) 23

25 My Finance Spending Categories and Budgeting Tools This step-by-step guide will help you to set up your budget. Once your budget is established, you will have full access to your activity and progress. Customer Service: BANK (2265) 24

26 Message Center View Incoming Messages Your Message Center allows you to receive incoming message from our Convenience Banking Center and send secure s to us. We will notify you at your of record that you have an Online Banking message. To view, you may log in to Online Banking and click on the New Message link or Message Center to view. Send Secure Messages Customer Service: BANK (2265) 25

27 Customer Assistance As Always, We re Here to Help To speak with a live customer service representative, you may contact us at BANK (2265). We are available weekdays from 7:00 a.m. until 10:00 p.m. and on weekends from 8:00 a.m. until 6:00 p.m. You may also us at cbc@fcbanking.com or use your secure Online Banking Message Center. Customer Service: BANK (2265) FCB Member FDIC 27