Enrolling in eStatements saves paper and time… so you can focus on saving money. No need to wait around for the mail or sort through paper statements. With eStatements, you can see all your statements in one secure place.

If you haven't made the switch to eStatments, here's why you should make the switch:

It’s secure
Statements are protected with anti-phishing technology

It’s convenient
You can access all your eStatements right from your First Community Bank Web 1st Online Banking and mobile app

It’s “green”
No paper, no mail delivery, lower carbon footprint

To enroll for eStatements, sign in to your Web 1st Online Banking. After logging in, click the blue tab labeled "Documents" under accounts and follow the enrollment steps. You can only view eStatements from the date of enrollment.

In 2021, the Corporate Transparency Act was enacted by Congress. This law aims to make it more difficult for bad actors to hide or benefit from their illegal gains through shell companies or other opaque ownership structures. As part of this effort, many companies in the United States will be required to report information about their beneficial owners, i.e., the individuals who ultimately own or control the company by Congress. This reporting requirement came into effect on January 1, 2024, and the information will have to be reported to the Financial Crimes Enforcement Network (FinCEN), which is a bureau of the U.S. Department of the Treasury. 

FAQ

Who has to report?
Companies required to report are called reporting companies. Reporting companies may have to obtain information from their beneficial owners and report that information to FinCEN.

Who Does Not Have to Report?
Twenty-three types of entities are exempt from the beneficial ownership information reporting requirements. These entities include publicly traded companies, nonprofits, and certain large operating companies.

How Do I Report?
Reporting companies will have to report beneficial ownership information electronically through FinCEN’s website: www.fincen.gov/boi.
The system will provide the filer with a confirmation of receipt once a completed report is filed with FinCEN.

When Do I Report?
Reports will be accepted starting on January 1, 2024. If your company was created or registered prior to January 1, 2024, you will have until January 1, 2025, to report BOI. If your company was created or registered on or after January 1, 2024, and before January 1, 2025, you must report BOI within 90 calendar days after receiving actual or public notice that your company’s creation or registration is effective, whichever is earlier. If your company was created or registered on or after January 1, 2025, you must file BOI within 30 calendar days after receiving actual or public notice that its creation or registration is effective. 

Any updates or corrections to beneficial ownership information that you previously filed with FinCEN must be submitted within 30 days. 

Find more FAQs at www.fincen.gov/boi-faqs.

To view Beneficial Ownership Information Reporting Regulations and to find additional information, visit www.fincen.gov/boi.

When it comes to accepting digital payments and managing small business finances, there is a better way to do things. It’s called Autobooks, and it’s available right now, inside First Community Bank’s online and mobile banking!

Here's are reasons why you'll love doing more with Autobooks and First Community Bank:

Customized invoice includes branding
Create a professional‑looking invoice with your business logo and colors in just a few minutes.

Wide range of digital payment options
Let customers easily pay you online with any major credit card, debit card, or via ACH electronic bank transfer.

All payments deposited into checking
Get paid directly into your checking account within two business days — no need to transfer your money from external payment acceptance apps.

Easy invoice automation and tracking
Always know exactly who’s paid and who’s due. Set up recurring invoices so you can automate your process and automatically add late fees for past due invoices. 

Share a secure payment link by text, or place it on a web page.

Secure payment form accessed via a unique URL
When you enroll, you’re assigned your own unique URL to a secure payment form. This link can be shared by text (SMS) and email, or added to any web page or social media profile.

Detailed payment/donation history readily available
Payments are listed chronologically, with the most recent at the top. Filter the list to find specific payments. Generate a spreadsheet if you need it, and export with one click.

Pay now language can be adjusted for nonprofits
If you run a church or nonprofit, there’s no need to alienate members — quickly update verbiage to take donations or contributions instead.

All payments deposited into checking
Get paid directly into your checking account within two business days — no need to transfer your money from external payment acceptance apps.

Take customer payments on the spot or over the phone.

Payment form doubles as an in‑app terminal
When you’re ready to take a digital payment, just access your payment form inside online or mobile banking, and enter the payment details yourself.

Transparent processing fees in comparison to non‑bank apps
When you're a small business, you need to know exactly what you're paying. Our rates are comparable to popular payment apps, but there are never any hidden fees.

All payments deposited into checking
Get paid directly into your checking account within two business days — no need to transfer your money from external payment acceptance apps.

Add on full financial management functionality when you’re ready.

Reusable QR code is ready to download
Access a reusable QR code inside online or mobile banking. Download and store in your device for easy retrieval, or just print it and display in a prominent location.

Ideal for busy events
QR codes are ideal for in-person events where you plan to meet with multiple customers or donors — farmers’ markets, fundraisers, you name it.

For paper and static invoices
If you send PDF invoices and other billing communications to customers, don’t forget your Autobooks QR code. It doesn’t make a difference if it’s a paper or email invoice.

Add on full financial management functionality when you’re ready.

Real‑world accounting tools prioritize simplicity
Keep track of your business directly inside online banking and mobile banking. Stop having to rely on pen and paper, spreadsheets, or overly complex accounting software.

Automated reporting to keep everything up to date
When you get paid or pay a bill, let Autobooks update your business reports automatically. Also get profit and loss reporting that tracks your income and expenses, balance sheet, and more.

Cash flow management to track incoming and outgoing
Track your account balance right alongside your incoming and outgoing payment information. Includes scheduled payments, coming due, and past due payments.

Business bill pay to keep expenses top of mind
All bills managed in one place: create, track, and schedule. Users can create a list of vendors, then simply set up and schedule payments and track who they've paid and who’s coming up.

Access Autobooks inside your First Community Bank online and mobile banking now and try it for yourself. It's that simple!

Beware of Phone Scams

Scammers are finding new ways every day to try to take your money or steal your identity. One of the latest schemes involves a phone call from a scammer impersonating a bank employee. They falsely claim there's fraud happening on your debit card and will overnight a new card.

We want to assure you that these calls are not from First Community Bank. They are scams. It is important to keep in mind the following information to protect yourself:

• First Community Bank will never call you and ask for your Online Banking User ID or password.
• We will not call you and ask for your debit card number or PIN.
• We will not send you text messages asking for personal/ banking information.

If you receive a call that you are unsure of, please ask for the name of the person you are speaking with, hang up and call us at (361) 888-9310 to verify the call.

If you notice any unusual “Debit / ATM Card” activity, we encourage you to call (361) 888-3777 which will direct you to our Fraud Center. (If you are calling after hours, select ‘Option 2.’)

Remember, scammers are always trying to get their hands on your financial information. Don’t become a victim of a scam.

FCB has awarded dozens of Coastal Bend organizations and charities through the bank's Others 1st project, which is designed to recognize and reward those helping Coastal Bend communities. Our employees nominate local organizations each year for consideration in this project.

In 2023, First Community Bank celebrated its 40th anniversary by launching a "40 Weeks of Giving" program. The program's objective was to donate over $40,000 to local community organizations dedicated to giving back to our communities.

In 2024, FCB was awarded a Texas Bankers Foundation's Cornerstone Award for its “40 Weeks of Giving” program. The Texas Bankers Foundation is a charitable arm of the Texas Bankers Association, and it recognizes and rewards Texas banks that have made a commitment to be the cornerstones of their communities.

FCB employees volunteer at multiple functions throughout the year. Anywhere from assorting items at food banks, making warm meals for shelters, to participating in walks to raise awareness. In 2023, our employees donated more than 150 hours to community events.

Community is in our name — that's why First Community Bank is dedicated to supporting local events that need additional funding to bring their event to life. Whether it's from sponsoring ad space, a banner, or being an event sponsor, we're proud to support the community we call home.

Those who would like to help can do so each time they cash a check using the live teller function of our Interactive Teller Machines (ITMs). Just like a traditional ATM, our ITMs do not accept, or dispense coins, but you can still cash a check with an ITM teller during bank hours by opting to donate any “cents” portion of your check to our “Coin for Change” program. All donations will benefit recipients through our Others 1st Project.

| Locations & Hours | Make a Loan Payment |

| Online Banking Login | Community Checking Plus Login |

Welcome to First Community Bank.
Welcome to First Community Bank! FCB was founded in Alice nearly 40 years ago and has grown to 11 branches also located in Corpus Christi, Kingsville, Padre Island, Portland, Premont, Rockport, and Victoria. Many of our employees are longtime — even lifelong — residents of our communities, some of whom you may already know. We are ready to provide you, as our new customer, excellent service along with a full range of products.

You Always Come First.
We’re a local community bank, making our customers our top priority. When times are challenging, we’re here with proven solutions, and caring people focused on you. When it’s time to fulfill a dream, we’re here for that, too. That’s what community banking is all about. 

Next Steps.
As of 7 am, Monday, January 30th, all FCB services such as Debit Cards, Checks, Online Banking, BillPay, and access to accounts are now available. If you have any questions or need help at any time, give us a call — we’re happy to help.

Alice Branch: (361) 664-8775
Victoria Branch: (361) 578-9310

DEBIT CARDS

When can I use my FCB Debit Card?
On or after 7 AM on January 30, cardholders can visit any FCB ATM with the new FCB Debit Card and PIN number and perform an inquiry to activate. In addition, customers may visit the nearest FCB branch to have the card activated. Be sure to update any websites you may have tied to your old Investar Bank Debit Card, such as Amazon, Apple, etc.

What if I did not receive my FCB Debit Card?
Visit your nearest FCB branch on or after January 30. It only takes minutes for a new FCB Debit Card to be printed for you.

I did not receive my new FCB Debit Card Pin. What do I do?
Visit your nearest FCB branch on or after January 30. We will re-pin your FCB Debit Card.

Can I change my FCB Debit Card Pin number that was mailed to me?
Yes. Visit your nearest FCB branch on or after January 30.

ONLINE BANKING

How do I access my Online Banking?­­­
On or after 7 AM January 30, click on the login button located at the top of this page: LOGIN – My FCB Online Banking. Your existing Investar Bank Online Banking ID will carry over to FCB. Your password will be the last four digits of your Tax ID / Social Security Number. After signing in for the first time, you will be prompted to change your password.

Users who experience any login issues may contact our Assistance 1st Department at (361) 888-9310 to receive help from one of our Web 1st experts.

MOBILE APP

To use mobile banking on or after January 30, simply download First Community Bank’s MYFCBOT app from your app store or visit fcbot.com/app. You will use your Web 1st online login. If experiencing login issues, contact our Assistance 1st Department at (361) 888-9310.

OVERDRAFT LIMIT

Investar Bank customers who previously utilized an overdraft limit with Investar Bank will need to visit their nearest FCB branch to review and agree to FCB overdraft privilege

ACCOUNT NUMBERS & CHECKS

Your Account Number will remain the same as your previous Investar Bank account; only the routing number will be changing. First Community Bank routing number is 114911807.

What if an outstanding check has not cleared by January 27?
FCB will work with Investar Bank for a period of time to ensure a smooth transition. All uncleared checks will be sent daily to FCB for processing from your new account.

It is important to remember, the final date to write checks from your Investar Bank checks is January 27. After this date, we encourage you to shred your unused check stock. Beginning Monday, January 30, you will begin using your FCB checks.

How do I order checks?
Visit your nearest FCB branch. One of our Relationship Bankers will be happy to order new checks for you with no charge for the first box. You may also contact our Assistance 1st Department at (361) 888-9310 to receive help with your new check order.

When will I have access to my accounts and funds?
You will continue to have access to accounts at Investar Bank until 7 AM on January 30. After this time, you will begin to access your accounts with FCB.

ACH, WIRES, BILL PAY, AND AUTOMATIC TRANSFER FILES

All ACH Origination and Automatic Transfers scheduled after January 27 will be canceled and must be rescheduled with FCB. Investar Bank Wire Origination service will end January 27 at 4 PM. All transfers scheduled on or after will be canceled and must be rescheduled with FCB.

Will my Bill Pay still be active?
Investar Bank customers who actively used Bill Pay within the last 45 days of 2022 will automatically be enrolled in FCB BillPay. All users should log in on or after 7 AM on January 30 to verify all Bill Pay accounts and payment information. All payments scheduled after January 27 will be canceled and must be rescheduled with FCB BillPay, which is accessed after logging into your Web 1st online account here. Users who experience any login issues may contact our Assistance 1st Department at (361) 888-9310 to receive help from one of our Web 1st experts.

LOANS

Will my Loan Account Number be the same?
If you had a nine-digit Investar Bank loan number, it will remain the same with FCB. If you had a 10-digit Investar Bank loan number, the first digit will be dropped.

How and where can I make my loan payment?
Starting January 30, loan payments will be made to FCB. You have several options available to make a loan payment. You can visit us in person, through our drive-thru service, online here, or through our Interactive Teller Machines. If you had autopay set up between your Investar Bank loan and checking account, that will remain in place at FCB.

Welcome Letter	Loan Letter

Important Information Letter	Alice Branch Acquisition Information Packet
	Victoria Branch Acquisition Information Packet

Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online and mobile banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $5.8 billion to phishing scams and other fraud in 2021—an increase of more than 70 percent over 2020.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. And at First Community Bank, we’re committed to helping you spot them as an extra layer of protection for your account. We’ve joined with the American Bankers Association and banks across the country in a nationwide effort to fight phishing—one scam at a time.

We want every bank customer to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know something sounds suspicious, you’ll be less likely to be fooled.

These four phishing scams are full of red flags: 

• Text Message If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks Never Ask That.
• Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from your bank, but it’s a scam. Banks Never Ask That.
• Phone Call: Would your bank ever call you to verify your account number. No! Banks Never Ask That. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.
• Payment Apps: Beware of text messages from someone claiming to be your bank saying your account has been hacked. The scammer may ask you to send money to a new account they’ve created for you, but that’s a scam! Banks Never Ask That.

You’ve probably seen some of these scams before. But that doesn’t stop a scammer from trying.

>

Your bank will never pose candy corn conundrums and would never ask for your pizza topping preferences. They won’t call to ask for sensitive info like your social security number or ask you to click shady links in a text message.

Can you escape Scam City with your cash intact? Play your way to #phishing mastery with this new game from the American Bankers Association: https://aba.social/3lpYQz4.

Texas Travel Industry Recovery Grant Program (TTIR) was established by Senate Bill 8 and signed into law by the Governor following the 87th Legislature to administer $180 million of funds received from the Coronavirus State Fiscal Recovery Fund under the American Rescue Plan Act of 2021. The purpose of the TTIR program is to provide grants for the recovery of Texas businesses in the tourism, travel, and hospitality industry that were negatively impacted due to COVID-19.

Applicants in the following industries are eligible for a one-time grant of up to $20,000: arts, entertainment, and recreation; food services and drinking places; traveler accommodation; RV parks and recreational camps; traveler arrangement and reservation services; convention and tradeshow organizers; breweries; wineries; and distilleries (NAICS codes 71, 722, 7211, 7212, 5615, 561920, 312120, 312130 and 312140).

Applications will be accepted at the link below beginning July 6, 2022.

***Application page can be found here.***

For FAQs, please click here.

Digital Platform Account Take Over Fraud Scheme

Scammers use lots of different tactics — stories about grandchildren in distress, million-dollar prizes, a romantic future, or a business deal — to try to steal peoples’ money. Scammers may demand payment by wire transfers, gift cards, and cryptocurrency — methods that transfer funds quickly and anonymously.

During Older Americans Month, the Consumer Financial Protection Bureau and the Federal Trade Commission are partnering together to help older adults and their families and friends know what to do if someone demands payment by these methods, and where to report fraud.

To protect against scams and fraud:

• Don’t wire money. Wiring money is like sending cash. Once you send it, you usually can’t get it back. Don’t wire money even if someone sends you a check, tells you to deposit it, and wire some of the money back to them. That’s a fake check scam, and the bank will want you to repay the money you withdrew and sent. That may also be a money mule scam that will involve you in moving stolen money.
• Don’t pay with a gift card. Gift cards are for gifts. As soon as you tell someone the numbers on the back of the gift card, they get control of the card and your money is gone forever. No legitimate business or government agency will insist that you pay with a gift card.
• Don’t pay with cryptocurrency. If someone requires you to pay for something with Bitcoin, Ether, or some other type of cryptocurrency, they’re probably a scammer. Cryptocurrency payments don’t come with legal protections. If you pay with cryptocurrency, you usually can’t get your money back unless the person you paid sends it back.
• Report fraud to the FTC. If you’re contacted by someone telling you to pay or send money using these methods, please tell the FTC about it at ftc.gov. The information you share can help protect your community from fraud, scams, and bad business practices.

April is Financial Literacy Month, which is often about managing your money and building savings. But this month, we want to talk about protecting what you have, and what you’re building, from scammers. Scammers are good at what they do. They target people of all backgrounds, ages, and income levels with sophisticated ways to steal your money and personal information. 

Follow along with us as we cover how to spot and avoid scammers: how scammers ask you to pay them, the signs of a job or money-making scam, and how to check your credit. 

Here are a few things to know:

• If you’re asked to pay for something with a gift card, that’s a scam. Period. Gift cards are for gifts, not for payments.
• Don’t give your personal or financial information in response to a call, e-mail, or text that you didn’t expect.
• If you’re looking for a job, never pay to get one.
• Resist pressure to act immediately. Scammers want you to pay or give them your personal information before you have time to think.
• Stop and talk with someone you trust. Before you do anything else, tell a friend, a family member, or a neighbor what happened.

For more information on spotting and avoiding scams, visit ftc.gov/scams.

Will you be visiting an ATM soon? Be sure to review these safety tips to protect yourself and your money.

Protecting Your ATM Card

• Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.
• Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.
• Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.
• Never give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately.

Using an ATM

• Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
• Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
• Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.
• Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.
• To keep your account information confidential, always take your receipts or transaction records with you.
• Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
• If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

Special Precautions for Using an ATM at Night

• Park close to the ATM in a well-lighted area.
• Take another person with you, if at all possible.
• If the lights at the ATM are not working, don't use it.
• If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.

If you notice any unusual activity, we encourage you to call First Community Bank at (361) 888-3777 which will direct you to our Fraud Center. (If you are calling after hours, select ‘Option 2.’)

With the expected winter weather conditions, all FCB locations will open at 10 am tomorrow, Friday, February 4, 2022. FCB ATMs with video chat access to a banker and Call Center will be available starting at 8 am. And of course, Online Banking and the MYFCBOT mobile app are available 24/7 for your convenience.

Branch Lobbies Now Open

Updated as of March 10, 2021

The health and safety of our customers and employees is our utmost priority. We’ve taken significant steps to provide a safe and healthy branch visit. Here’s what you can expect:

• We are limiting capacity in lobbies.
• Sanitizing stations have been placed throughout lobbies.
• Signage has been placed encouraging social distancing.
• Sneeze guards are installed at each teller line.
• Frequent cleaning and disinfecting on teller stations, drive-thru canisters, and high-traffic areas throughout the day.
• For proper identification purposes, we reserve the right to request that you briefly remove your face covering after entering. For security purposes hats, hoods, and sunglasses should be removed.
• Appointments are still available at your convenience.

We understand if you prefer to avoid crowds and public spaces. FCB provides alternatives to in-person banking, always convenient, but even more so now.

• Utilize the Drive-Thru Service to conduct your banking needs without having to get of your vehicle.
• Our ATM has been upgraded to an ITM system that provides after hours interactive banking six days a week.
• Our MYFCBOT app, provides a quick and convenient way to pay bills, deposit checks, manage your card and chat with a teller, right from your mobile device.
• Customer Service reps can be reached at (361) 888-9310, Monday–Friday 8 a.m.–9 p.m.; Saturdays 9 a.m.–noon

FCB will continue to monitor conditions and may adjust branch hours and operations as deemed necessary to protect the health and well-being our customers and employees.

For further FCB updates on COVID-19 you can always check back here at fcbot.com/covid19 or visit the CDC website.

Meet Our Team

As developments with COVID-19 continue to evolve throughout the Coastal Bend, we will temporarily discontinue Lobby Service and transition our primary means of operation to Drive-Thru Service with normal business hours until further notice. We feel it is in our customers’ and employees’ best interest and will continue to review new developments and determine the best time to reopen our Lobby Centers.

With that in mind, effective Friday, July 3, 2020:

• Drive-Thru Service will remain our primary means of operation with normal business hours until further notice.
• Face-to-face appointments, including Safe Deposit Box access and opening new accounts, can be scheduled by contacting your FCB financial institution center located in your community.
• Our ITM/ATM system provides teller assistance during banking hours. ITM function offers two-way video option to speak with, in English or Spanish, an FCB teller during and after bank hours. The terminal also may be used as a traditional ATM.
• Our Mobile 1st app, providing on-the-go mobile banking, and Online Banking platform are available 24/7. Customers can use these services to perform a number of routine functions, including checking balances, transferring funds and paying bills.
• Loan Payments can be made using our Interactive Teller Machine (ITM), Online or through our drive-thru service.
• Our Customer Service reps can be reached at (361) 888-9310, Monday–Friday 8 a.m.–9 p.m.; Saturdays 9 a.m.–noon.; excluding holidays.

The health and safety of our customers and employees is our utmost priority. Thank you for your understanding as we continue adapting to these challenging times.

At First Community Bank, we value our customers—our neighbors—and the communities we serve.

The First Community Bank interactive teller machines (ITMs) feature upgraded technology and improved functionality over existing ATMs, including a touchscreen, two-way video option to speak with an FCB teller, in English or Spanish, during bank hours.

During the holiday season, we tend to make a lot more purchases online for travel and gifts, so it’s especially important to be vigilant about protecting your money. Here are some of the most common scams to watch for:

Fake Websites and Apps. Scammers often create fake websites that are so similar to the sites of popular retailers, it easily tricks consumers into providing payment information. The scammers take your information and your money, but you never receive the products. Scammers have also developed fake apps that contain malware. When you download the app, the malware steals personal information from your device or locks it, holding it for ransom until you pay the scammers. Other types of fraudulent apps ask you to login using your social media or email accounts that could expose your personal information for the scammers to steal.

Be careful of apps or websites that ask for suspicious permissions, such as granting access to your contacts, text messages, stored passwords, or credit card information. Also, poor grammar or misspelled words in an apps’ description or on a website is a red flag that it is not legitimate.

Email Links. Avoid clicking on links in unsolicited emails or emails from unfamiliar sources. The links may lead to an illegitimate website attempting to get you to enter your credit card or other personal information. Some links may download malware (malicious software, such as computer viruses) to your computer when you click on them that can steal your banking information, including login identification, passwords, and credit or debit card numbers. These emails typically look very similar to ones sent by well-known retailers, banks, and other entities.

Be on the lookout for emails that have typos or other obvious mistakes. In addition, be skeptical of email attachments described as coupons, rebates, or payment forms – they could include malware. And avoid email offers that seem “too good to be true.” If an email promises popular items for free or a surprisingly low price, it is probably a scam.

Making Payments on Unsecure Sites. Before paying for a purchase online, make sure the website you’re on has “https” at the beginning of its URL with a lock symbol:

This means the site has a protected network connection. Websites with “http” at the beginning of the URL with no “s” are more vulnerable to attacks by scammers who steal credit card information by monitoring network traffic. Also be aware of pop-up windows that appear while you are on a website asking for your credit card information to receive coupons or to win free items. Legitimate companies do not ask for your personal information for those purposes.

Using Public Wi-Fi to Shop or Access Sensitive Information. Wireless connectivity, also known as Wi-Fi, allows your laptop, PC, or mobile device to connect to the internet without a physical wire connection. Many restaurants, hotels, libraries, and other places offer free public Wi-Fi, which is convenient when you’re on the go. However, these networks may not be secure (since they either do not require a password or provide the same generic password to all customers for access) and may expose your personal and banking information to scammers looking to steal names, social security numbers, and bank account numbers.

Avoid using public Wi-Fi to make purchases online, login to your financial accounts, or access other sites that have sensitive information about you. It’s also a good idea to stick with websites that have “https” encryption (discussed above) when in public places.

Package Delivery Confirmation Scams. This scam is especially popular during the holidays when people receive gifts through the mail that they may not be expecting.

The scammers call or email claiming to be from the U.S. Postal Service or a major shipping company and state that you have a package waiting for delivery. To ensure the package is meant for you, you are asked to provide personal information, which the scammers steal to use to open credit accounts in your name. In response to this scam, the U.S. Postal Service explained it does not call or email people and ask for personal information if there is a problem with a delivery. Visit U.S. Postal Service Inspection Crime Alert for more information.

• Don’t let these scams dampen your holiday spirits. Instead, here are precautions you can take to protect your money while shopping online:
• In general, always use difficult-to-guess, unique passwords on every account.
• If you’re using shopping apps, focus only on official retailer apps found on the retailer’s website or a reputable app marketplace, which offer stronger security.
• Never provide your credit card information unless you are on a secure site, showing “https” at the beginning of the URL and the lock symbol.
• Think about implementing two factor authentication on your accounts. Two factor authentication requires you to provide two pieces of evidence when logging into an account. It presents an extra layer of security to make it more difficult for someone who isn’t you to log into your account. For more information, visit National Institute of Standards and Technology Multi Factor Authentication
• Monitor credit card bills and bank statements as well as app and other online transactions for unauthorized purchases or withdrawals. Immediately contact your bank if you see anything suspicious. In addition, you may want to consider signing up for alert services. Many credit card issuers, banks, and mobile app providers offer services that notify you about certain account activities, such as recent logins from unrecognized devices.

Information provided by Federal Deposit Insurance Corporation (FDIC).

Select files

A quick and convenient way to pay bills, deposit checks and more, right from your mobile device.

Search for MYFCBOT in your smartphone's app store or text APP to 83368.

Teller Assist

Chat with a virtual teller 8 a.m.–9 p.m., Monday through Friday, and Saturday from 9 a.m.–noon, excluding Bank Holidays. 

• Transaction and balance inquires
• Fraud transactions/disputes
• Statement requests
• Information on opening new account
• and more

Click here to watch a quick video tutorial on this feature.

FCB Guardian

FCB Guardian lets you take full control of all your card spending.

• Instantly turn a card off if it’s lost, stolen, or being misused
• Set transaction to have a specific spending limit
• Get an alert every time a card is being used
• Decline in-store or online transactions based upon your settings

You can even set your cards so that they can be used only when your mobile device is nearby, and restrict purchases at certain types of stores and merchants.

Savings Sam

Monitor spending and see your spending habits.

• Visually track your progress, reach financial goals quicker and easier
• Make informed choices with your cash flow calendar
• Add saving goals

Make a Check Deposit

Make check deposits on-the-go or after hours with our 24/7 "Mobile Deposit" feature.

Click here to watch a quick video tutorial on this feature.

Pay A Bill

Avoid the hassle of managing this from your desktop and Pay A Bill on-the-go.

Transfer

Schedule a future or recurring transfer so you don’t have to worry about it later.

• Schedule A Transfer between your FCB accounts

Payments

Setup through the app without having to use a desktop.

• Pay a company or person

At First Community Bank, our business is helping your business to grow and improve the bottom line. Our Treasury Management solutions products provide a variety of services and safeguards to help you work more efficiently and securely.

Although each and every Treasury Management solutions product is available individually, the “Select Set” includes our three most popular services:

ACH Origination – An easy cost-effective way to directly deposit payroll from your business account to your employees’ accounts, make business to business payments and more.

ACH Blocking - A fraud-management tool to help prevent unauthorized electronic debits and / or credits on your account. This means no transactions of this kind will process from your account. If your business has chosen ACH Blocking, you have an option to allow selected Companies to post to your account. This will require you to provide the Company ID to the bank. ACH Blocking puts YOU back in control of who is debiting YOUR account.

Wire Transfers – Save time and money by sending domestic wires directly to the bank without leaving your office.

Positive Pay – Safeguard your account by preventing fraudulent or altered checks from being paid against your account with this anti-fraud service.

The Select Set also includes a Security Token, a device generating a single-use security code for use each time you log into your account. This extra layer of protection is provided to all business account customers.  

Other available Treasury Management services include:

Payroll PayCard Accounts – Protect your account information by directly depositing payroll from your account to an employee PayCard (debit card).

Remote Deposit Capture – Improve efficiency by capturing your deposits on site and delivering them electronically to the bank for processing.

Merchant Services – Increase your overall business by accepting and processing all types of credit cards electronically.

Business Bill Pay — Save time and money paying your bills online. 

And don’t forget, as a First Community Bank business customer, you also enjoy other convenient services for no additional charge including: 

Controlled Disbursements — Manage payments more effectively by funding only the amount needed for a day’s disbursements. 

Cash Concentration — Transfer funds from diverse accounts to a central account to improve efficiency of cash management. 

For more information and service pricing, contact the FCB Treasury Management department at (361) 888-3737 or This email address is being protected from spambots. You need JavaScript enabled to view it., or speak with your local FCB servicing officer.

First Community Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the First Community Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail:
Texas Department of Banking
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294

Telephone No.: (877) 276-5554
Fax No.: (512) 475-1313
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
Website: www.dob.texas.gov

You may also contact us directly at:
First Community Bank Compliance/Complaint Officer
5406 Everhart Road
Corpus Christi, Texas 78411

Telephone No.: (361) 993-9310
Fax No.: (361) 993-9468
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
Website: www.fcbot.com

ID theft is on the minds of many these days, but tax identity theft takes it to another level, meaning someone is using your Social Security Number for work or tax purposes.

Learn more

ID theft is on the minds of many these days, but tax identity theft takes it to another level, meaning someone is using your Social Security Number for work or tax purposes.

How would I know? Many times, victims are completely unaware their Social Security Number has been stolen until they file their tax return only to learn that one has already been filed in their name.

Other clues? Sometimes victims receive a letter from the IRS showing they received wages or other income from an employer for whom they’ve never worked. They may also be notified that they owe additional taxes, have a refund offset or have had a collection action taken against them for a year they did not file a tax return. These are red flags and should immediately be addressed with the IRS.

How does this happen? Identity thieves are savvy and find a variety of ways to gain access to personal information, including phishing emails, scam phone calls as well as computer hacks and data breaches.

How do we help avoid it? Protect your personal information and that of your family members, including keeping tax records secure and not carrying your Social Security card. Always use security software with firewall and anti-virus protections on your computer and use strong passwords for your accounts.

Be smart. Learn to recognize and avoid phishing emails, and do not click on links or download attachments from unknown or suspicious emails. Do not be intimidated by threatening calls and texts from thieves posing as legitimate organizations such as your bank, credit card companies and even the IRS.

How do I know it’s the “real” IRS contacting me? Remember, the IRS does not initiate contact with taxpayers by email to request personal or financial information. This also includes any type of electronic communication, such as text messages and social media channels or threatening phone calls. If you’re in doubt, contact the IRS directly with your concerns.

What do I do if I’m a victim? If your SSN is compromised or you suspect you are a victim of tax-related identity theft, contact the Federal Trade Commission (FTC), which is charged with handling most identity theft complaints at 1-877-IDTHEFT (1-877-438-4338). You can visit www.socialsecurity.gov/statement/ to access your Social Security Administration earnings and benefits statement, or to check whether someone has used your Social Security number to get a job or to avoid paying taxes. You can also contact the IRS Identity Protection Specialized Unit at 1-800-908-4490.

Start the Year Right: Save Money

Build an emergency fund. You never know what could happen. Financial experts suggest an emergency fund equal to three to nine months of expenses.
Establish your budget. Get a receipt for everything you buy, and stack them into categories like restaurants, groceries, etc. You’ll quickly see where your money is going.
Budget with cash and envelopes. Try the envelope budget system where you use a set amount of cash for most spending.
Don't just save money, SAVE. Don’t just spend less; put the money you save into a savings account.
Save automatically. Every pay period, have your employer deduct a certain amount from your paycheck and transfer it to a retirement or savings account.
Aim for short-term savings goals. Long-term goals can be intimidating. People save more successfully when they keep short-term goals in sight.
Start saving for your retirement as early as possible. Few people get rich through their wages alone. Start saving for retirement now.
Take full advantage of employer matches to your retirement plan. Many employers will match a certain amount of what you save in a retirement plan such as a 401(k).
Save your windfalls and tax refunds. Every time you receive a work bonus, inheritance, or tax refund, put a portion into your savings account.
Save your loose change. Putting aside just 50¢ over a year will get you 40 percent of the way to a $500 emergency fund.
Use the 24-hour rule. Think over each nonessential purchase for at least 24 hours.

Protect Your Money From Scams

During the holiday season, we tend to make a lot more purchases online for
travel and gifts, so it’s especially important to be vigilant about protecting your
money. Here are some of the most common scams to watch for:

Fake Websites and Apps. Scammers often create fake websites that are so
similar to the sites of popular retailers, it easily tricks consumers into providing
payment information. The scammers take your information and your money, but
you never receive the products. Scammers have also developed fake apps that
contain malware. When you download the app, the malware steals personal
information from your device or locks it, holding it for ransom until you pay the
scammers. Other types of fraudulent apps ask you to login using your social
media or email accounts that could expose your personal information for the
scammers to steal.

Be careful of apps or websites that ask for suspicious permissions, such as
granting access to your contacts, text messages, stored passwords, or credit
card information. Also, poor grammar or misspelled words in an apps’ description
or on a website is a red flag that it is not legitimate.

Email Links. Avoid clicking on links in unsolicited emails or emails from unfamiliar
sources. The links may lead to an illegitimate website attempting to get you to
enter your credit card or other personal information. Some links may download
malware (malicious software, such as computer viruses) to your computer when
you click on them that can steal your banking information, including login
identification, passwords, and credit or debit card numbers. These emails
typically look very similar to ones sent by well-known retailers, banks, and other
entities.

Be on the lookout for emails that have typos or other obvious mistakes. In
addition, be skeptical of email attachments described as coupons, rebates, or
payment forms – they could include malware. And avoid email offers that seem
“too good to be true.” If an email promises popular items for free or a surprisingly
low price, it is probably a scam.

Making Payments on Unsecure Sites. Before paying for a purchase online, make
sure the website you’re on has “https” at the beginning of its URL with a lock
symbol:

This means the site has a protected network
connection. Websites with “http” at the beginning of the URL with no “s” are more
vulnerable to attacks by scammers who steal credit card information by
monitoring network traffic. Also be aware of pop-up windows that appear while
you are on a website asking for your credit card information to receive coupons
or to win free items. Legitimate companies do not ask for your personal
information for those purposes.

Using Public Wi-Fi to Shop or Access Sensitive Information. Wireless
connectivity, also known as Wi-Fi, allows your laptop, PC, or mobile device to
connect to the internet without a physical wire connection. Many restaurants,
hotels, libraries, and other places offer free public Wi-Fi, which is convenient
when you’re on the go. However, these networks may not be secure (since they
either do not require a password or provide the same generic password to all
customers for access) and may expose your personal and banking information to
scammers looking to steal names, social security numbers, and bank account
numbers.

Avoid using public Wi-Fi to make purchases online, login to your financial
accounts, or access other sites that have sensitive information about you. It’s
also a good idea to stick with websites that have “https” encryption (discussed
above) when in public places.

Package Delivery Confirmation Scams. This scam is especially popular during
the holidays when people receive gifts through the mail that they may not be
expecting.

The scammers call or email claiming to be from the U.S. Postal Service or a
major shipping company and state that you have a package waiting for delivery.
To ensure the package is meant for you, you are asked to provide personal
information, which the scammers steal to use to open credit accounts in your
name. In response to this scam, the U.S. Postal Service explained it does not call
or email people and ask for personal information if there is a problem with a
delivery. Visit U.S. Postal Service Inspection Crime Alert for more information.

• 
  Don’t let these scams dampen your holiday spirits. Instead, here are precautions
  you can take to protect your money while shopping online:
• In general, always use difficult-to-guess, unique passwords on every
  account.
• If you’re using shopping apps, focus only on official retailer apps found on
  the retailer’s website or a reputable app marketplace, which offer stronger
  security.
• Never provide your credit card information unless you are on a secure site,
  showing “https” at the beginning of the URL and the lock symbol.
• Think about implementing two factor authentication on your accounts. Two
  factor authentication requires you to provide two pieces of evidence when
  logging into an account. It presents an extra layer of security to make it
  more difficult for someone who isn’t you to log into your account. For more
  information, visit National Institute of Standards and Technology Multi
  Factor Authentication
• Monitor credit card bills and bank statements as well as app and other
  online transactions for unauthorized purchases or withdrawals.
  Immediately contact your bank if you see anything suspicious. In addition,
  you may want to consider signing up for alert services. Many credit card
  issuers, banks, and mobile app providers offer services that notify you
  about certain account activities, such as recent logins from unrecognized
  devices.

Information provided by Federal Deposit Insurance Corporation (FDIC).

Holiday Schedule 2024

Our Mobile 1st app and Online Banking tools are available 24/7.

We have recently made improvements to our financial tab on our online banking portal and we're excited to announce Savings Sam!

Learn More

Now, it's easy to manage money, monitor spending and actually see where your money goes on your Web 1st Online Banking and Mobile App. If you want to save money, improve financial health and make financial management easier, this is great news for you.

• Get your complete financial picture.
• Sync accounts with nearly 17,000 financial institutions.
• Understand spending habits with automatically tagged transactions.
• Make informed choices with the cash flow calendar.
• Visually track your progress, reach financial goals quicker and easier.

Savings Sam makes it simple to stay on track. Set goals, and maintain your finances responsibly.

Step 1: Select "Add A Goal" on the goal dashboard.
Step 2: Select your desired pay off or savings goal.
Step 3: Fill in the required information.
Step 4: Click the "Create" button to complete the process of adding a new goal.

Keep in mind, your Goal Summary at the bottom of the page will update your completion date and the amount needed per month according to your preferences in the form.

Goals will automatically update your progress and will reflect your day-to-day account balances.

How do I start?

1. Add additional accounts from other financial institutions to view all your accounts in one place.
2. Customize the 'tag' names on your transactions to get the most accurate financial picture.
3. Set up monthly Spending Targets within the 'Budget' area to organize your tagged transactions.
4. Use 'Cashflow' to track regular incomes and bills.
5. Create specific financial targets under the 'Goals' tab.

If you have questions or issues with any of the above steps, reference to our FAQ here. If you still can't find an answer to your question, please contact us!

Sign Up for Community Checking Plus

Customers with Community Checking+ can access benefits by signing in here or downloading the eClubOnline app from your smartphone's app store.

Information Alert

Equifax Data Breach

As you may know, one of the three major credit reporting agencies, Equifax, announced a major data breach that affected over 143 million Americans. The credit reporting bureau is a third party service provider used by many banks, including First Community Bank. We are fully aware of the situation and highly encourage our customers and even non-customers to check the *database (link provided below) to determine if you have been affected. Equifax is updating their website with important consumer information regarding the breach and how you can protect your credit: equifaxsecurity2017.com. See our FAQ to learn more about the breach and how to protect yourself.

Frequently Asked Questions

I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

*Was my information stolen?
If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: https://www.equifaxsecurity2017.com/. Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

How can I protect myself?

• Enroll in Equifax’s services.
  Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com/.
• Monitor your credit reports.
  In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at annualcreditreport.com. You are entitled to one free report from each of the credit bureaus once per year.
• Monitor your bank accounts.
  We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.
• Watch out for scams related to the breach.
  Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?
Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit its website.
Experian: Call 888-397-3742 or visit its website.
TransUnion: Call 888-909-8872 or visit its website.

Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.

Our Plan to Help Our Community After Hurricane Harvey

We’re Open for Business
First Community Bank (FCB) is proud to announce all 10 FCB locations have reopened for business. AND all ATMs have been restored.

Meeting the Needs of our Community
As part of our efforts in helping our community that was affected by Hurricane Harvey, FCB will:
• Cash advances up to $500.00 for non-customers
Patron must be a resident of Rockport, Portland, Port Aransas, Aransas Pass, and Ingleside. Customer must have valid ID with an address listed in one of the cities listed above.

ATM Usage
Effective immediately, all FCB surcharges for our customers using non-FCB ATMs have been suspended thru Oct 31, 2017. Customers will still be subject to the fee from the processing bank who owns the ATM.

Debit Card Replacement
Customers who have been displaced due to the disaster and need a new debit card, we will replace your card for free. Please visit one of our 10 locations or call today: fcbot.com/locations-and-hours

Loans
If there are circumstances that are affecting other aspects of your account or loan relationship with us, please contact your banking officer.

Wire Transfers & CD Withdrawals
Incoming wire transfer fees are being waived through October 31, 2017. We will also waive early withdrawal penalties on CDs through October 31, 2017 if you need access to your savings to rebuild your home or business.

As a reminder, our online banking portal, Mobile 1st app, and 24-hour phone services are always available for customer use. Our customer service can be reached at 361-844-8520 during normal business hours: Monday – Friday 8 a.m. – 5 p.m.

During this stressful time, we hope this will ease some pressure on our community. We are dedicated to meeting the needs of our community.

Turn your cards on or off, set spending limits and get alerts, all with a few quick taps.

These days you can control your TV… your thermostat… even your lights — all right from your mobile device. Wouldn’t it be great to have that kind of control over your debit cards, too? Well, now you can.

The NEW FCB GUARDIAN lets you take full control of all your card spending. Now you can:

• Instantly turn a card off if it’s lost, stolen, or being misused
• Set transaction to have a specific spending limit
• Get an alert every time a card is being used
• Decline in-store or online transactions based upon your settings

You can even set your cards so that they can be used only when your mobile device is nearby, and restrict purchases at certain types of stores and merchants.

FCB Guardian text alerts will discontinue February 4, 2021. Users who registered on or before January 14, 2021 will need to reapply their preferences on the MYFCBOT app or through Online Banking under “Card management”.

What is FCB Guardian?

FCB Guardian is an easy-to-use feature on your MYFCBOT app and Online Banking that lets you set card controls, add restrictions and receive transaction alerts.

How does FCB Guardian let me manage my cards?

You can set a wide range of controls and alerts on all your cards directly from your MYFCBOT app and Online Banking. For example, you can:

• Turn your card on or off
• Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type
• Get instant alerts on certain types of transactions, like when a transaction is declined
• Set a specific region where the card can be used or restrict usage based on your mobile device’s location
• Set parental controls and monitoring

Alerts will show up just like any other notifications you get on your mobile device.

Why is it a better way to manage my cards?

Because you can manage your card transactions all in one place, right from your mobile device. You have complete control of how, when, where — and WHO uses your cards.

Plus, knowing that you’ve set rules, restrictions and alerts that meet your specific spending preferences adds another layer of fraud detection and prevention, and gives you added peace of mind.

How do I get started?

Customers who signed up for Online Banking have immediate access this feature on the MYFCBOT app and Online Banking. To sign up to use Online Banking and this feature, visit a financial center located nearest you.

What are chip cards?

Chip cards are like the card you have today but include an embedded microchip. The chip contains information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so you can continue using your card while merchants are transitioning to new terminals.

What are the benefits of chip technology?

The embedded microchip provides strong transaction security features, and other application capabilities, not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Why is my card being upgraded to a chip card?

Chip technology is already used in other countries and now coming to the U.S. Your chip card provides an extra level of security and is easier to use at international locations.

How is the chip card different from a magnetic stripe card?

A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card when making a purchase, you will insert your card into a terminal to complete the transaction. Once your transaction has been completed, you will be prompted to remove your card from the terminal.

How does chip technology work?

The chip in the card communicates with the terminal to determine whether or not your card is authentic. Depending on the security preferences associated with your chip card as well as the terminal, you will be prompted to provide your signature or Personal Identification Number (PIN) to complete your transaction.

Are chip cards new?

Although chip cards are relatively new in the U.S., they have been used in other countries for many years. In some foreign countries, particularly in Europe, chip cards continue to be widely used and have been successful in reducing fraud.

Where can I use my chip card?

You can use your chip card everywhere you shop today. Insert your card into a chip-enabled terminal or swipe your card at merchant locations that have not yet switched to chip-enabled terminals. You can also continue to use your card as you did before - for online transactions, mail order/ telephone order transactions, pay at the pump fuel purchases, and at A TM machines.

If you have any questions, please call one of our locations or (361) 888-9310.

We’re proud to be a community bank, with the banking products you need, the technology that makes them easy to use…and the personal service you deserve.

Learn More

Switch Without a Hitch

Make the smart move to First Community Bank. We make switching to us easy. Just click and download our Switch Kit and Products and Services brochure. We’ll walk you through every step, and you’ll be on your way to a better banking experience.