Upgrade FAQs

Why the Online Banking Upgrade?

The First Citizens Online Banking System was recently upgraded to enhance the Security, Efficiency and Functionality of the system.

Why am I being prompted to setup Challenge Questions upon login?

We have replaced the Secret Question and Answer at login with Challenge Questions, to enhance the Security of the Online Banking system.

To setup and answer your (5) Challenge Questions simply click on the drop down arrow then select your preferred Challenge Questions. Answers to your Challenge Questions should not be less than (4) four characters or greater than (30) thirty characters. You will only be prompted once to setup your Challenge Questions and Answers.

Can I reset any of my Challenge Questions or all of my Challenge Questions?
Yes you can. To do so, simply click on the following options after login “MY HOME / SECURITY INFORMATION / ADAPATIVE AUTHENTICATION INFORMATION”.

If however, you wish to amend only one challenge question you will be required to respond to the (4) four remaining Challenge Questions.

What is Adaptive Authentication?
Adaptive Authentication is an additional layer of security. When you log in to the First Citizens Online Banking System, you will be prompted to setup your Challenge Questions. These questions will be utilized to authenticate users.

Adaptive Authentication is currently monitoring customer logins and user activity. As a result you will not be prompted to respond to any Challenge Questions upon login at this time. Rest assured that the Bank continues to closely monitor all transaction activities.

What is Trojan or Key Logger?
Fraudsters are also utilizing fake websites to capture your personal information. Always verify the entire URL before entering your personal information on any website. Should you receive any suspicious links, sites or emails please call 62-FIRST or email FCB-E-BANK@firstcitizenstt.com or channelsupport@firstcitizenstt.com.

To be safe make sure the lock icon appears next to the browser address and that the address begins with “https”. The “s” indicates that you have a secure connection. First Citizens never uses “http” for any customer interaction.

Where can I view all my accounts including my credit card account?
To view all your accounts including your credit card account simply click on the following option after login:-

My Home / Account List

Why is my entire account number not displayed upon login?
This feature was introduced to further enhance the security to our customers. To view your entire account number simply click on the Show Protected Data option, then enter your password to view your full account number.

Why are my Online Banking Options no longer displayed on the left side of the web page?
As part of the upgrade, your Online Banking options are now displayed to the top of the web page. Simply click on any of the tabs to locate the option you wish to select.

Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

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