Digital Banking

On Tuesday, December 14, we are updating our online and mobile banking services, providing a cleaner, simpler more secure platform. Bank anywhere, anytime using FNBCC’s digital banking services.

What You Need to Know

Your username and password for online and mobile banking will stay the same. If you don’t know your current credentials, click Forgot or call (912) 384-1100.

  • Our FNBCC mobile app will automatically prompt you to download the new version.
  • If you use bill pay, your existing bill payments and payees will automatically appear in the new system.
  • 120 days of Account History will transfer over with the conversion to our new digital online banking product. Your transaction history will continue to build from there. If you require additional history, download it prior to December 13th. If you are already enrolled in eStatements, your statements will be available up in 18 months in the eStatements section.

Frequently Asked Questions:

How do I sign in for the first time?
Online Users: Click on the Login button on the top right of our home page to get started.
Mobile App Users: You will be automatically prompted to download the new FNBCC mobile app from the App Store or Google Play.
All Users:
  • Enter your existing Username and Password to sign in. If you do not remember your Username or Password, click Forgot or call (912) 384-1100.
  • Enter your email address and a phone number where you can receive a text or phone call to obtain a verification code.
  • Select how you would like to receive your verification code.
  • Enter the 7-digit verification code received and click Verify.
  • Review the User Agreement and click Accept.
  • You will be taken to your new Dashboard to begin your new online banking experience.
What if I’ve forgotten by FNBCC Username or Password?
Choose Forgot? If you don’t remember your user name or password, you will need your account number to access this information. If you are unable to complete the steps, call (912) 384-1100 and we can help.
What browsers are supported?
We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*.
Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform.
To download the latest browsers, click the links below:
Google Chrome:
Mozilla FireFox:
Microsoft Edge:
*Safari is not available for Windows. To find out more information, visit: 
What is two-factor authentication?
Two-factor authentication is a security feature that helps safeguard your account information. To implement 2FA, you will need to enroll an email address and a phone number that the bank has on file (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code:
  1. Text message to the mobile phone entered
  2. Automated phone call to phone number entered
  3. Authenticator App (download the Authy app here)
After entering the verification code, if you are logging in from a secure computer, you have the option to select "Don’t ask for code again on this computer." This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.
How does the phone call verification process work?
If you select to receive a phone call (cell phone or landline), you will receive a phone call and receive a verification code. You must enter the verification code provided. If you do not answer the phone call, please note that a second call will not be made automatically. Therefore, if you do not answer the authentication phone call, you will need to select the option to have the code re-sent. (Note: The “from” phone number may be listed as coming from anywhere in the US).
What should I do if I did not receive a verification code to continue with the two-factor authentication enrollment?
Please be sure the phone number you entered is correct. If it needs to be changed, contact (912) 384-1100.
If I selected “Remember this computer,” why am I being asked for a verification code each time I log in?
There are several reasons you may be prompted for a verification code:
  • If you log in on different browsers
  • If you deleted your browser history
  • If you have your browser settings set to delete your cookies and history automatically
How can I reset my two-factor authentication enrollment?
You can reset your own two-factor authentication enrollment in both the app and online by going to your Profile page, then select "Security"’ within the ‘Settings’ area.
How do I set up an account alert?
Select the account you would like to add an alert to and then select "Alert preferences." You may set up balance or transaction alerts based on low or high thresholds. You may choose to receive alerts by email, text or within the app.
Why are transactions labeled as pending?
Transactions appear as pending until they are completely processed.
Can I view my statements?
Yes. To view your statements, choose the account you’d like to review and select statements. If are currently not signed up to receive statements, you have the option to enroll.
Will my bill payees and scheduled payments continue after December 14th?
Yes, all scheduled payments and bill payees will continue to be available.
Will my scheduled or recurring transfers continue after December 14th?
All scheduled and recurring transfers between bank accounts will continue.
Are there device requirements to access the mobile app?
Yes, the mobile app is compatible with iPhone and iPad devices running iOS version 11 or newer, and Android phones and tablets with version 5.0 or newer. Devices must have access to the internet.
Do I use the same user ID and password for the mobile app as I would for online banking?
Yes, you will use the same user ID and password that you use to log into online banking.
If I forgot my password, can I reset it within the app?
Yes, you can easily reset your login credentials by clicking on the "Forgot?" link on the mobile app.
How do I sign out of the mobile app?
You will automatically be signed out once you swipe or close the app. Each time you access your app, you will be required to enter your passcode, use your fingerprint or utilize the facial recognition feature in order to log in again.
Can I pay bills or a person in the app?
Yes, you can easily add payees, edit payees, and submit payments using the app.
Is there a fee to use mobile deposit?
No, mobile deposit within the FNBCC app is free.
When I make a mobile deposit, why doesn’t the app automatically take a picture?
The auto capture feature is not currently available, but we are actively working to offer this as soon as possible. When taking pictures of a check, make sure you're in a well-lit area and the check is placed on a darker surface for contrast.