FAQs

Online Banking Users: Click the Login button on the top right of our home page, then select Enroll.

Mobile App Users: Download the FNBCC mobile app from the App Store or Google Play and select First Time User? Enroll Now.

All Users:

• Enter your Social Security Number, Account Number, Email Address, and Phone Number.
• Email address and phone number must match what the bank has on file. Please contact us if this information needs to be updated.
• Select how you would like to receive your verification code.
• Enter the 7-digit verification code and click Verify.
• Review the User Agreement and click Accept.
• You will be taken to your Dashboard to begin your online banking experience.

Select Forgot? on the login screen. If needed, choose Try Another Way and enter your Social Security Number and Account Number to recover your credentials.

We recommend using the latest version of:

• Google Chrome
• Mozilla Firefox
• Microsoft Edge
• Safari (not available for Windows)

Microsoft Internet Explorer is not supported and may prevent access to online banking.

For more information on Safari compatibility, visit Apple Support.

Two-factor authentication (2FA) adds an extra layer of security to your account. You’ll need an email address and phone number on file to receive a one-time verification code through one of the following methods:

• Text message
• Automated phone call
• Authenticator app (such as Authy)

If you’re logging in from a secure personal device, you may choose Don’t ask for code again on this computer. This option should never be selected on shared or public computers.

If you choose phone call verification, you will receive an automated call with a verification code. Enter the code when prompted. If the call is missed, you will need to request the code again. The incoming call may appear to come from anywhere in the U.S.

Please confirm the phone number entered is correct. If your information needs to be updated, contact FNBCC at (912) 384-1100 for assistance.

This may occur if:

• You use different browsers
• Your browser history or cookies were deleted
• Your browser settings automatically clear cookies

Select the account, choose Alert Preferences, and set balance or transaction thresholds. Alerts may be received by email, text message, or within the app.

Yes. Select the account you want to review and choose Statements. If you are not enrolled in eStatements, you will have the option to enroll.

No. Mobile deposit within the FNBCC app is free.

The auto capture feature is not currently available, but we are actively working to offer this as soon as possible. When taking the pictures of a check, make sure you're in a well-lit area and the check is placed on a darker surface for contract. 

• Income verification (Last two years' tax returns, W-2s, 1099s, and your last few pay stubs)
• Drivers' license and Social Security card (or alternative ID)
• Bank statements
• Proof of funds to close (and an explanation of where they came from, if it's not obvious)
• For a Refinance: Current mortgage statement taxes and insurance.

There are several different types of mortgages to choose from. If you're a veteran, a VA loan could be the best option for you, and if you plan to buy a home in a rural area, a USDA mortgage could give you a no-money-down option.

Simple – the same as everyone else! There are set fees that are used by most Companies and Lenders. That’s right, if they say you aren’t paying any in your closing cost, then you’re probably paying for it somewhere else.

Closing Costs include taxes, title work, appraisal, insurance and a recording fee – these essentially help pay to get your Home Loan closed.

• Budget for Private Mortgage Insurance
• Research your utilities
• Don’t forget to budget miscellaneous expenses
• Manage your debt carefully
• Get pre-qualified before shopping