Online Banking /
Business Direct Access

Entering this secure site is providing access to a private computer network. This site may be utilized for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Activity on this site is monitored for security purposes.

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Business Direct Security

YOUR SECURITY IS IMPORTANT TO US!

Your privacy and security are as important to us as they are to you. We are committed to using advanced technology to ensure that your personal information and confidential transactions remain safe, secure, and private. To ensure your privacy and security as our customer, FCB Banks will not discuss Online Access with anyone other than the individual to whom access was granted. If there are multiple users in your household, please make sure each individual applies for their own access to Online Banking.

HOW WE PROTECT YOUR PERSONAL INFORMATION AND PRIVACY

Individual Access ID/Security Tokens

Before gaining access to any account information each individual is authenticated by a personal access ID and Security Token. A Security Token is a small, connectionless device that generates a one time password to use each time you log in to Business Direct Online Banking. This password is unique to your account and it changes every 32 seconds for your protection. For more information about Security Tokens click here

Layered Security

Business Direct also offers multiple levels of additional security. You decide which accounts can be viewed and who can access those accounts. With these additional security levels you control who can create data, who can review data, and who can submit updates.

Firewall

FCB computer systems are protected by a powerful firewall that blocks unauthorized entry 24 hours a day. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available.

Encryption

All online access and Bill Pay sessions are encrypted. FCB employs 128-bit encryption which turns your information into a coded sequence with billions of possible variations. FCB computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.

Look for a “closed lock” icon in the lower right-hand corner (Microsoft Internet Explorer) or lower left-hand corner (Netscape Navigator) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with “https://...” indicates the page you are viewing uses encryption. The “s” stands for “secured.”

Ongoing Surveillance

FCB monitors all security systems to make sure that your accounts are safe and secure.

Timed Log-Off

FCB’s system will automatically log you off from Online Banking and Online Bill Pay after 20 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer. For added security, the date and time of last log in is shown on your screen.

What can I do to protect my account security?

Never reveal your online banking access code, password, authentication image, or pass phrase to anyone else.
Change your password frequently.
Always log off by clicking the “log off” button before visiting other internet sites or walking away from your computer.