Online Banking Security

Keeping financial information secure and confidential within First Community Bank Online Banking is one of our most important responsibilities. Whenever personal information is requested or displayed on our website we use encryption technology, such as Secure Socket Layer (SSL), to prevent unauthorized access to data. Your online banking experience and the security of your personal information are very important to us, and we are committed to safe and secure online banking and to provide you with peace of mind when you access your account information.


For your convenience, we offer a link to the online banking login from our home page. Once you are at the login, you will notice the “https” prefix and padlock symbol. We recommend you check the URL in your browser’s address window for the “https” prefix before entering your username and password.

Online Banking Security Features

We use the latest technology to ensure the security and confidentiality of your information. Advancements in security technology occur frequently, and we continually evaluate our security environment to ensure it provides the highest level of privacy and safety to our customers. We employ a variety of security features to help protect your account information when you bank online some are evident to you and some which work in the background, are not. The following outlines the steps we take to keep your information secure.

Security Tokens:

Security Tokens are provided to our Commercial Online Banking who are engaged in ACH origination and Wires through Commercial Online Banking. The Security Tokens access requires a code generated by the token and a personal identification number supplied by the user. Access is denied if the correct combination is not entered. This enhancement level of security is provided to our commercial customers because they use more complex Online Banking services such as wire transfers and ACH origination.

Session Timeout:

To further protect you, a timeout feature is often used. This feature will automatically log you out of your current Online Banking session after an extended period of inactivity on our site.

Secure Browser:

First Community Bank Online Banking also requires the use of secure browsers to protect you while you access our Online Banking. More specifically, the personal and account information flowing back and forth between your PC and First Community Bank Online Banking must be encrypted while in transit – secure browsers are how we achieve this level of protection. Encryption is the process of scrambling information (typically from data transmission) so it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. Likewise, when we send personal or account information to you, this technology encrypts it, which then only you can decrypt.


Authentication ensures only you, the legitimate user is communicating with us and not a fraudster who does not have authority to access your online accounts.


Secure Socket Layer (SSL) allows users to establish sessions with secure Internet sites, meaning they have minimal risk of external violation. Once inside the Online Banking site, our use of SSL technology keeps you and your account information secure.


Encryption turns words and phrases into coded language. All of your online activities during an Online Banking session become a string of unrecognizable numbers before entering the Internet. We employ the strongest forms of cryptography commercially available for us to use over the Internet, so your account information will read as gibberish to everyone but you and First Community Bank.


We also employ background monitoring of your account activity, if during the log on process an unusual pattern is suspected i.e. logging in from a new PC, the user will be required to go through the Out of Band (OOB) authentication. The system will call the user at the telephone number the Bank has on file and provide a Security Code. The user will then enter the Security Code into Online Banking and continue with the login process. The user can elect to receive the code via SMS Text to a cell phone number the Bank has on file.

About Cookies:

A “cookie” is a small text file placed on your hard drive by our web page server. Absolutely no sensitive information is kept in cookies in Online Banking. First Community Bank will be using a cookie, but only to keep track of the session and to enable session timeout. The cookie will expire after the site has been used.

Protecting our Children:

We do not solicit data from children, and we do not knowingly market to children. Protecting children’s identities and privacy online is important and the responsibility to do so is with both the online industry and with the parent.

Consumer Protections Under Regulation E

Regulation E, which implements the Electronic Fund Transfer Act, protects individual consumers engaging in electronic funds transfers. Regulation E sets forth basic rights, liabilities, and responsibilities of EFT consumers of financial institutions offering these services.

Under these consumer protections, you can recover Online Banking losses according to the time frame you detect and report them to the Bank. A consumer’s liability for an unauthorized electronic fund transfer(s) is as follows:

  1. If the consumer notifies the Bank within 2 business days after learning of the loss or theft of the access device, the consumer’s liability shall not exceed the lesser of $50 or the amount of unauthorized transfer(s) occurring before notice to the Bank.
  2. If the consumer fails to notify the Bank within 2 business days after learning of the loss or theft of the access device, the consumer’s liability shall not exceed the lesser of $500 or the sum of $50 or the amount of unauthorized transfers occurring within the two business days, whichever is less; AND The amount of unauthorized transfers occurring after the close of 2 business days and before notice to the Bank.
  3. A consumer must report an unauthorized electronic fund transfer appearing on a periodic statement within 60 days of the Bank’s transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer’s liability shall not exceed the amount of the unauthorized transfer occurring after the close of the 60 days and before notice to the Bank.

Please contact a customer service representative at your local branch for more details.

Recommendation for Business Account Holders

First Community Bank strives to provide the most secure experience for your business. The bank has implemented several security measures to keep your environment safe and secure.

First Community Bank joins the FFIEC and the other financial regulatory agencies in urging business account holders to conduct an internal assessment of control in their business to ensure the highest level of security for transactions.

The Regulation E protections listed above apply only to consumers and consumer accounts.