What's New?
Enjoy all the features you know & love in your current digital banking experience, plus a few new bells & whistles designed to make your financial life easier:
Holistic Account Management
Connect your accounts from other financial institutions to see your full financial life in one place.
Financial Wellness Tools
Access a suite of financial wellness tools including savings goals, budget tracker, and more!
Customize Your Experience
View accounts and features on your dashboard in the order that works best for you.
Track Spending Habits
Tag transactions to help keep track of spending, and create customized reports to monitor financial activity.
Self-Service Tools
Save time with new tools to submit a travel notice, set up overdraft protection, intiate a stop payment or wire transfer, and more!
Banco en español o inglés
¡Cambia entre español e inglés con sólo un clic! Switch between Spanish and English with just one click!
Financial Wellness Tools
Spending Analysis
Simplify how you track your spending. Filter by account, category, and time range. Plus, connect your other bank accounts to see everything in one place!
Savings Goals
The best way to save is to make a plan. Create a custom savings goal and track your progress as you make deposits before your target goal date.
Spend Forecast
When you know better, you can do better. Analyse your spending habits, identify trends, track bills and subscriptions, and more. Plus, connect your other bank accounts to see everything in once place!
Plan Ahead
There are a few things you can do now to make your digital upgrade as seamless as possible:
Double check we have the right contact info on file for your business.
The first time you log in, you will be asked to verify a security code sent to an email or phone number we have on file for you. If your contact info is missing or outdated, you'll have to contact us before logging in for the first time.
You can update your contact info in Profile Settings within Online & Mobile Banking.
Have the following info ready to verify:
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Digital banking username and password, for returning users
Plan ahead for limited availability:
Online & Mobile Banking
On October 20 at 7:00 am CT, digital banking will be down for maintenance and unavailable to users. We anticipate a smooth upgrade and availability the next day, October 21!
Mobile Check Deposit
Starting on October 20, users will not have access to mobile check deposit for 1-2 business days.
Online Bill Pay
Starting on October 20, users will not have access to manage their bill pay account for 1-3 business days.
Any bill payments scheduled to go out during this period will be posted without disruption.
Send Money to Your Friends
In our current digital experience, users can send money to a Contact (via email or text)— whether they are an FCCU member or not, within the United States.
After upgrade, the process to send money to non-FCCU members will only be available within Bill Pay until our Zelle feature is available early 2026. Step-by-step instructions coming soon.
Get Started After October 21
#1 Navigate to Digital Banking
Online Banking
From a browser, navigate to the digital banking login page by clicking the blue Online Banking button at the top right of any page on our website.
Mobile Banking
iOS iPhone Users
Keep your existing FCCU Mobile Banking App and update to the newest version of the app.
Turn on automatic app updates now, and you'll get the upgrade as soon as it's ready!
If you need help updating your app or turning on automatic app updates, check out this Apple Support article.
Android Users
Delete your existing FCCU Mobile Banking App and download the new "FCCU Mobile App" from the Google Play Store.
We will add a link to download the new Android app here once the upgrade is live!
#2 Log In or Register
Returning Users
Log in with your username and password. Follow the prompts to verify your identity (via email or text) and make a new password.
Step-by-Step Instructions 
New Users
Click the Or, Register with Online Banking button. Follow the prompts to verify your identity (via email or text) and make a username and password.
Business Users
All business accounts will need to be re-registered by only one authorized signer. See instructions for more important details for business users.
#3 What To Do First
Here's a list of things we think you should check out first: from settings you'll need to reset to new features to discover!
Double Check Your External Accounts & Transfers
Your External Accounts and scheduled transfers should carryover, but we still encourage you to ensure that they are still set up properly after the upgrade.
How to Schedule a Transfer 
How to Add External Account 
Set Up Alerts & Enhanced Security Features
Enable (or re-enable) email, text, and/or push notification account and security alerts. Get custom alerts about account balances, purchase activity, loan reminders, and more!
Plus, check out our whole new suite of card services including advanced card alerts and controls. Limit how your cards can be used by region, merchant type, transaction type, spending limits, and more!
Step-by-step instructions coming soon!
Frequently Asked Questions (FAQs)
Personal Digital Banking Upgrade | Last updated on 10/6/2025
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Why are you making this change?
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Simply put, we’re making digital banking at FCCU better. We’re introducing a ton of amazing features like savings goal tracking, in-app budgeting, account consolidation— so you can manage all your accounts in one place, even if they aren’t accounts at FCCU, and more!
We also received a lot of feedback from our business users about features they’d like to see to make managing their business accounts easier. We took those to heart and added a ton of things they have been wanting.
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When is the upgrade going to happen?
The digital banking upgrade will happen between October 20-23. On October 20 at 7:00 am CT, digital banking will be down for maintenance and unavailable to users. We anticipate a smooth upgrade and availability the next day, October 21!
Make sure your email on file is up-to-date because we will send you an email as soon as you can access the new digital banking upgrade!
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Do I need to do anything right now to prepare for the upgrade?
There are a few things you can do now to make your digital upgrade as seamless as possible:
Double check we have the right contact info on file for you.
The first time you log in, you will be asked to verify a security code sent to an email or phone number we have on file for you. If your contact info is missing or outdated, you'll have to contact us before logging in for the first time.
You can update your contact info in Profile Settings within Online & Mobile Banking.
Have the following info ready to verify:
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Digital banking username and password, for returning users
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Will there be any service interruptions?
Yes, there will be limited availability of specific features and digital banking as a whole, but we are working diligently to minimize downtime as much as possible. Details below:
- Online & Mobile Banking
On October 20 at 7:00 am CT, digital banking will be down for maintenance and unavailable to users. We anticipate a smooth upgrade and availability the next day, October 21! - Online Bill Pay
Starting on October 20, users will not have access to manage their bill pay account for 1-3 business days. Any bill payments scheduled to go out during this period will be posted without disruption. - Mobile Check Deposit
Starting on October 20, users will not have access to mobile check deposit for 1-2 business days. - Send Money to Your Friends
In our current digital experience, users can send money to a Contact (via email or text)— whether they are an FCCU member or not, within the United States. After upgrade, the process to send money to non-FCCU members will only be available within Bill Pay until our Zelle feature is available early 2026. Step-by-step instructions coming soon.
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How do I get the new mobile app?
iOS iPhone Users
Keep your existing FCCU Mobile Banking App and update to the newest version of the app. Turn on automatic app updates now, and you'll get the upgrade as soon as it's ready!
If you need help updating your app or turning on automatic app updates, check out this Apple Support article.
Android Users
Delete your existing FCCU Mobile Banking App and download the new "FCCU Mobile App" from the Google Play Store.
We will add a link to download the new Android app here once the upgrade is live!
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How do I know if I have the right mobile app?
The upgraded version of the mobile app will have this new app icon!
If your FCCU Mobile App has a different icon, delete the app and download the newest app from the Google Play or App Store. We will add the Google Play Store link here after the upgrade is live!
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Will my external transfers still work?
External transfers to other financial institutions should still appear in your upgraded app and online banking. When you log in for the first time, please verify that everything still appears properly.
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Will my payments to friends still work?
In our current digital experience, users can send money to a Contact (via email or text)— whether they are an FCCU member or not, within the United States.
After upgrade, the process to send money to non-FCCU members will only be available within Bill Pay until our Zelle feature is available early 2026. Step-by-step instructions coming soon.
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Step-By-Step Instructions
Click the links below to view step-by-step instructions in a new browser tab. | Last updated on 10/7/2025