Online Banking

A person shopping on a cellphone

Online and mobile

Online banking

Not a current online banking user? Click here to sign up!


  • View account balances
  • Review statement history including detailed ATM and debit card transactions
  • View check and deposit images
  • Transfer funds between FCCB accounts
  • Access prior month’s statements
  • Place stop-payments on checks
  • Report lost or stolen debit card
  • Set up one-time and recurring bill payments
  • Upload account data to QuickBooks and Quicken

Bill Pay

Bill Pay is accessed within online banking. Set up one-time, recurring, and expedited electronic payments to any individual or payee in the United States. First-time users can self enroll through online banking; click on the Bill Pay tab. For questions regarding Bill Pay, please call 866.416.7349 (5:30 a.m. to midnight Monday through Friday).


Recurring payment examples:

  • Utilities
  • Mortgage payments
  • Credit cards
  • Loan accounts
  • Subscriptions
  • Babysitter, landlord, or relative
Calculate the ways Bill Pay will help you save here.


What is online Bill Pay? Who can I pay?

Online Bill Pay allows you to pay virtually any business or individual with a mailing address within the United States and Puerto Rico through online banking. For example, you can pay utilities, bills, credit cards, or individuals. You determine who you want to pay, when you want to make the payment, and which FCCB account you want the payment to come from. It’s secure, convenient, and timesaving.


Getting started with online Bill Pay

How do I start using online Bill Pay?

The first step is to add a payee—the person or company you wish to pay.

  1. Log in to online banking and click on the Bill Pay tab
  2. Click the “Add a Payee” button on the dashboard
  3. Enter the requested information (this information can typically be found on the bill statement)

Once you add your payee, you can start making payments in seconds.


How online Bill Pay works

How are online payments delivered?

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is online Bill Pay secure?

Paying bills online is one of the safest ways to pay bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills, and statements. It also increases your privacy because only you can access your account information, account numbers, and payment history. As a result, you maintain tighter control of your account with real-time access to your payment activity.

How long does it take before my payment is received?

Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.

How are the scheduled payments processed with online Bill Pay?

Most scheduled payments are sent electronically; funds are withdrawn from your account on the payment date.


Online Bill Pay benefits

What are the benefits of online Bill Pay?
  1. Save time. You can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves postage, envelopes, late fees, and checks. If you pay just 10 bills per month, you can save over $110.00 per year. (Based on the average annual cost of stamps, envelopes, and checks required for paying 10 bills per month.)
  3. Stay organized. Your payment history is stored in your online account, so you won’t have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Setting up reminders and automated recurring payments reduces worry about missing a payment.
  5. Help the environment by saving paper.There are no checks to write, envelopes to mail, or trips to the bank or post office.



What is eBill?

eBill allows you to receive and pay electronic summary versions of paper bills directly from your online Bill Pay account.

How do eBills work?

eBills are delivered directly to your online Bill Pay account. Once you set up an eBill for a business, an eBill comes directly from that payee to your account (such as cable service providers, phone service providers, utility providers, and credit card companies).

Will I still receive paper statements when I have eBill?

Please contact the payee directly to ensure you continue receiving paper statements.

How will I know if eBill is available for a payee?

There are two easy ways to determine if a payee offers eBill. You can check to see if there is a “Set up eBill” link next to their listing on your online Bill Pay homepage, or look for the “Sign up” icon under their name in the “View Payees” section.

What are the benefits of eBill?

With eBill, everything you need is in one convenient location. eBill allows you to streamline your payment routine, have online access to your bills, and eliminate the need to keep track of paper bills. You can also view past summaries at a glance.

What information is included in an eBill?

Balance due, due date, and minimum payment amount are included. For additional details, there is a link to log in to your account on the payee’s website.

How do I pay an eBill?

To pay an eBill, choose the account you want to pay from, enter the amount you want to pay, and schedule when you want the payment delivered.

How do I know when I have received an eBill?

You can sign up to receive an email notice to alert you when an eBill has been delivered to your account.

Web Connect for QuickBooks and Quicken

Web Connect allows account transaction history to be downloaded from within online banking. The file containing the transaction information (known as a QFX file) is downloaded directly from there, which can be uploaded to Quickbooks and Quicken.

To get started

Find steps to activate a Web Connect account here.

Mobile banking

Mobile banking allows you to view accounts, pay bills, and transfer funds to and from FCCB accounts through your mobile phone. There are also advanced mobile business banking features such as cash management compatibility.



  • Free app available to iPhone/iPad and Android users
  • Access to FCCB bank accounts
  • View transaction history and account balances
  • Make Person-to-Person (P2P) money transfers
  • Pay bills to existing payees
  • Receive confirmations of processed payments and fund transfers, as well as general account information via SMS text messaging
  • Report a lost or stolen card and reorder a new card
  • Suspend a misplaced card and reactivate it once found
  • Activate card alerts so you are notified for transaction on your debit card


Download our mobile banking app

Download the app via Google Play for Android users or the App Store for Apple users.

  • Search for “FCCB” or “Four Corners Community Bank”
  • Settings and preferences must be initially set through online banking


Look for this mobile banking app icon


What is mobile banking?

Mobile banking is a simple and convenient service that is offered by FCCB. Mobile banking gives you access to your accounts right from your mobile phone. It is a safe and secure service that allows you to access your account balances and activity, transfer funds, pay bills, and receive account alerts on your mobile phone.

What are the restrictions on the type of mobile devices that can be used to access accounts?

Our mobile solution is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.

What functions can I perform from my mobile device?
  1. View transaction history
  2. View account balances
  3. Transfer funds between accounts
  4. Make Person-to-Person (P2P) money transfers
  5. Pay bills to existing payees
  6. View alerts
  7. Receive confirmations of processed payments, fund transfers, as well as general account information via SMS text messaging
  8. Activate card alerts so you are notified for transactions on your debit card
  9. Release ACH and wires
  10. Report your card lost or stolen, and reorder a new card
  11. Suspend your card if you misplace it, and reactivate it once you relocate it

How do I know if my transfer or bill payment was entered successfully?

If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS text message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via online banking.

Will any confidential bank information be stored on my mobile phone?

No. No account number, name, or password information will be contained in the text messages sent to your mobile phone via mobile banking. However, it is important to keep in mind that these incoming messages are stored in your mobile phone, and it will be your responsibility to clear out your text messages periodically.

What if I no longer want to be a mobile user?

Log on to online banking via > select Options > Mobile Settings > Deselect Activate Mobile Banking Access > click Agree.

What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your mobile settings and make any changes to the wireless provider and/or phone number.

Why can’t I add a new payee?

Functionality is limited to sending payments to already established payees. To add a new payee, log on to online banking, select bill payment, and add a new payee. You can then submit payments to that payee via your mobile device.

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

What do I need to do if I get a new phone?

If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log on to online banking and update your information on the Options > Mobile Settings page. You will not receive SMS text messages regarding mobile banking transactions if your phone number is not correct.

How can I search for a transaction?

You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.

Can I use any mobile device to access my accounts?

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS text messages will be sent to the phone number entered when enrolling for mobile banking, not necessarily the device from which you perform a transaction.

Can I add a new bill payment payee via mobile banking?

No. You can only add payments to payees already established through your traditional online banking ID.

How do I delete a bill payment that I set up through my mobile device?

You must log on to online banking and delete the payment from the main menu of the bill pay module.

When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

Check your phone’s settings to make sure you don’t have alpha-only enabled on the keypad.

What if I can’t get my mobile device to work with online banking?

There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements:

  • Your mobile device must be web enabled.
  • Your mobile network must allow secure SSL traffic.
  • You may need to contact your mobile provider to determine this.

How much does Mobile Banking cost?

There is no cost for mobile banking. However, check with your mobile provider as message and data rates may apply. This includes your wireless carrier’s applicable SMS text messaging) fees. Please make sure that you understand the terms of your service with your wireless carrier before taking advantage of our mobile banking service.

Who should I contact if I need help with mobile banking?

There are several ways to obtain help:

  • Visit us. Stop by a branch near you.
  • Call us. Our online/mobile banking team is here to help you.
    • Monday-Friday (9:00 a.m. to 6:00 p.m.) at 505.327.3222 or 970.565.2779
    • Saturdays (9:00 a.m. to 12:00 p.m.) at 505.566.2151 or 970.565.2779
  • Email us at

Mobile deposit

Mobile deposit is a feature contained within online banking and the mobile banking app. It allows users to make deposits by taking a photo of a check with a smartphone or tablet; deposits are posted to a specified FCCB account.

Who is eligible for mobile deposit? How do I sign up?

All FCCB customers are automatically eligible to use mobile deposit upon account opening via mobile banking. Upon initiation, users are prompted to accept the terms and conditions.

What are the requirements for the service?

Mobile deposit users must first enroll in online banking. Afterward, the service can be accessed either through online banking or mobile banking app. The app is downloadable for free at the Apple Store or Google Play.

How do I get started?

  • Ensure that the check is made payable to you and all the required areas are filled out completely
  • Endorse the back of the check “Mobile Deposit Only” under your signature
  • Open online banking or the mobile banking app and log in
  • Select the “Make a deposit” tab and follow the prompts on the screen


What types of checks can I deposit with mobile deposit?

Domestic checks (drawn on or payable at or through a U.S. bank), money orders, Treasury checks, cashier’s checks, and traveler’s checks can be transmitted through mobile deposit. Only items that are made payable to, and endorsed by the customer are accepted. International checks, remotely-created checks (whether in paper or electronic form), checks drawn against a line of credit, and cash are not accepted.

Are there any limits on the number of checks or dollar amount I can deposit?


Daily transaction limit





Daily amount limit





When will funds be credited to my account?

If a deposit is made before 4:00 p.m. MT, the deposit will be credited to the account the same day. Deposits received after 4:00 p.m. MT will be credited to the account the next business day. (Every day is a business day except Saturday, Sunday, and federal or state holidays.)

FCCB’s general policy is to allow customers to withdrawal funds deposited in their account on the first business day after the bank receives the deposit. In some cases, the ability to withdrawal funds beyond the first business day may be delayed. If so, the funds will generally be available by the fifth business day after the day of the deposit. For additional details, please refer to the Regulation CC Funds Availability Disclosure.

What do I do with the check after I submit it for deposit?

Checks should be held in a safe place until they have posted to the account. Afterward, shred and properly dispose of the check, but not later than 14 days. FCCB recommends that users write “remote deposit” and the date of deposit on the front of the check to avoid duplicate deposits. This acts as a reminder of when the deposit was made, and as a reminder to verify that it posted successfully.

How will I know if my deposit has been received, processed, or rejected?

Users will receive an email notifying them that their deposit was approved for processing, processed with an adjustment, contained a duplicate, or was rejected.

What if I submitted a deposit for the wrong amount? Do I need to resubmit it?

An incorrect amount error will likely be detected immediately, and prompt the user to correct it before it can be sent. If not, FCCB reviews every remote deposit. If the wrong amount is entered, it will be corrected and an email regarding the adjustment will be sent to the user.

What if I mistakenly submit the same deposit twice?

If a duplicate deposit error is detected immediately, the user will be prohibited from submitting it again. If not, FCCB reviews every remote deposit. If a duplicate deposit is submitted, it will be deleted and an email regarding the duplicate deposit rejection will be sent to the user.

Digital wallets

Digital wallets are now available for:

  • Apple Pay
  • Samsung Pay
  • Google Pay
  • LG Pay
  • Garmin Pay

To activate, go into the digital wallet on your device and add your debit card number. You may be prompted to contact your bank to complete the activation process.


  • No need to reach for your wallet, simply pay with your phone
  • Protects your debit card information
  • Simply unlock your phone to pay, no need to open an app

Electronic statements (eStatements)

Free electronic statements are available for all checking and savings accounts. Notifications are sent securely to your email when a new statement is available. Sign up for eStatements by logging into online banking; click on the Documents tab.


  • Save paper and reduce waste
  • Statements are password protected and encrypted
  • Email notifications include truncated electronic statements
  • Easy-to-use customer enrollment process via online banking
  • Centralized archival and retrieval
  • View, download, save, and print as PDF, HTML, or TXT files
  • Reduce identity theft from lost or stolen mailed paper statements