Upcoming Office Closures:
July 4, Independence Day
Financial Focus Newsletter
Our Financial Focus Newsletter for the summer quarter is now available for download. Read it and know the latest about
Attention: Former Focus One Credit Union Members
On April 30, 2014, checks with the Focus One routing number (322078419) and account number will no longer be honored. If you are currently using these checks, please contact us at (800) 944-2200 for a free box of starter checks to replace your old Focus One checks. You may continue using checks with the First City routing number of 322078972.
Please see the sample below for help in locating the routing number and account number on your checks.
Ever notice the difference between your Total Balance and your Available Balance? Have you had difficulty figuring out what transactions are waiting to clear your account? Feel like you need a superhero to straighten out your finances? We’ve got good news, First City is here to save the day! Pending Transactions are now available in your transaction history. They appear at the top of the listing and provide limited information about transactions on hold in your account. You can log-in to your account to see it in action or sign up for Homebanking on the homepage.
First City Supports the Children's Miracle Network!
We hope you’ll join us by making a donation at one of our branch locations to make a difference for local children who need medical help or donate online here.
NOTICE OF CHANGE IN TERMS
This is a supplement to and a change in terms of the Schedule of Fees and Charges and is effective August 1, 2013.
The fees for uncollected funds, nonsufficient funds and Skip-a-Pay will increase to $31.00. Additionally, the wire transfer fee for international wires will increase to $75.00. Some fees have been eliminated.
Please contact us at 800-944-2200 for information about or a copy of the new Schedule of Fees and Charges. This schedule is also posted online at www.firstcitycu.org and in Home Banking. In Home Banking, click “estatements” and then the “Disclosures” tab to view the new Schedule of Fees and Charges effective August 1, 2013.
Schedule of Fees and Charges
We have released our new mobile banking apps! The new mobile banking apps provide a simpler, more user-friendly mobile banking experience than our previous mobile banking product.
Log in to your First City Homebanking account and sign up using these three simple steps:
That’s it. Three simple steps and you’ll be on your way to managing your First City accounts — on the go, day or night — and receiving important alerts on your smart phone.
Need help setting up your new mobile text message banking? Stop by your First City branch office and one of our Member Services Representatives will help you get started.
The security of your account information and your personal privacy online are top priorities at First City CU. With that in mind, we are pleased to announce a security upgrade to your First City CU HomeBanking account. This upgrade is based on new government requirements for safe and strong user IDs and passwords to make online banking even more secure.
What does this mean?
After this upgrade is completed this summer, you will see a new welcome screen the first time you log in to HomeBanking. Once you click on “Let’s get started,” you’ll be guided through three easy steps to enhance your online security. The steps will take about five minutes or less to complete, and you will need to have a phone (mobile or landline) handy to activate your new security measures.
If you have any questions or concerns about these new online security upgrades, please call or stop by First City CU for personal assistance.
Effective August 1, 2013, First City will no longer produce our online newsletter each month. Instead, a quarterly newsletter (January, April, July, October) will still be published and available at our branch locations, within member statement inserts, and online. Please look for our postings and articles at First City Interactive and Facebook.
Most People Think Big Banks Have More ATMs and Branches…
It’s Just NOT True! First City Has Way MORE Fee-FREE ATMs
According to Nerdwallet.com, credit unions such as First City that participate in the CO-OP® ATM network have way more fee-free ATMs nationwide than Bank of America and ALL other major banks—(we could have told them that)! Popular retailers such as 7-Eleven®, Costco® and Walgreens® are just some of the convenient places you can get cash fee-FREE. Compare and see for yourself how easy it is to find an ATM as a First City member:
|Bank of America||16,220|
With Over 6,000 Locations—We Have MORE Branches Than Chase!
As far as branches go, First City can compete with the big banks when you take into consideration our affiliation with the CU Service Centers® shared branch network. By joining cooperatively with other credit unions nationwide and internationally, First City gives you access to over 6,000 CU Service Centers. So, no matter where your travels take you, there’s always a branch nearby!
Find a CO-OP ATM or a CU Service Center near you on our homepage.
MPOWERTM is Here!
Experience financial freedom with a new or used auto, or lower your payments by refinancing your loan from another lender at First City. Not only will you get rock-bottom rates, but every First City auto loan also includes these complimentary MPOWER+ VEHICLE LOAN PROTECTION benefits:
To apply for your auto loan, call (800) 944-2200, ext. 5 - anytime, or apply here with the Instant Loan Application.
*Annual Percentage Rate. Rates may vary depending on your credit qualifications, term, model year of vehicle, mileage and loan-to-value. No payment for 90 days offer is not available on existing First City loans. Payment estimate: on a $15,000 loan with a term of 60 months at 2.00% APR = $263. 2007 model years or newer up to 125% of Kelley Blue Book value, all inclusive, for qualified members. This offer cannot be combined with other First City promotional offers. Rates and program details subject to change without notice. Credit approval is required. Other conditions may apply. MPower products not available on Indirect loans.
**Interest will accrue from date of funding.
Rates as Low as 9.25% APR*
Carrying around credit cards with annual fees, balance transfer fees, cash advances fees, and penalty rate increases, is dragging you down! Escape to what First City offers:
• NO annual fee
• NO balance transfer or cash advance fees
• A true 25-day grace period on purchases
• Generous credit limit up to $15,000
You’ll also enjoy plugging into these Platinum-level perks:
• Up to $500,000 coverage in travel insurance
• Up to $15,000 coverage for personal ID Theft
• Auto Rental and Collision Damage Repair and more!
Apply for Your First City Visa Platinum Credit Card Today!
Cut to the chase and get a low rate and fewer fees... Apply for a First City Visa Platinum! To apply, call (800) 944-2200, ext. 5, or apply here on the Instant Loan Application.
*Variable rate based on the Prime Rate plus a margin, subject to change monthly. Your rate and margin may vary, depending on your credit qualifications. Credit approval required.
Think Big on Benefits, small on fees and what you've got is First City Checking--checking as you please! When you switch to a First City Checking Account, you won't feel crossed up with:
For more information or to apply for a checking account, click here or call (800) 944-2200, ext. 0. Or stop by any First City branch.
A Share-Secured Loan Offers a Rainbow of Benefits…
A Share Secured Loan is a bright idea if you want to build your credit or need to make a purchase, but don't want to dip into savings. Here’s how it works:
• Use the funds in your Savings or Term Certificate Account as security against the loan
• Pay just 1.50% APR* over your current dividend rate while you continue to earn dividends on your savings
• Enjoy flexible terms and pay NO fees
Apply for your share-secured loan today! Call (800) 944-2200, ext. 5 - anytime, or apply here with the Instant Loan Application.
*Annual Percentage Rate. Rate based on current dividend rate plus 1.50% APR. Term is based on certificate maturity or maximum of 60 months for share-secured. Rate is subject to change without notice.
Refinance Now for a Lower Monthly Payment
Record Low Mortgage Rates
With our partnership with CU Members Mortgage, First City is able to offer a full range of first mortgage products at record-low rates… for purchase or refinance.
Apply 24-hours a Day
For more information about CU Members, or to apply 24 hours a day, click on the First Mortgage Link. You can also apply 24/7 by calling (800) 944-2200, ext. 6. Qualified applicants are approved in minutes, and offered a choice of rates and options. Also ask about our home equity loan, and line of credit.
Changes to Courtesy Pay Debit Transactions
New federal regulations, effective August 15, 2010 have required that consumers "Opt-in" for Courtesy Pay to cover debit transactions made at merchant locations, such as grocery stores, gas stations, restaurants, etc.* This regulation includes transactions made with your Visa Check (debit) or ATM card.
What Happens If You Don't "Opt-in"
Unless you "Opt-in," your purchases made with your Visa Check (debit) or ATM card will be denied if funds are not available in the your checking account to cover the transaction - even in emergencies or while you are traveling.
How Do You "Opt-in"?
To Opt-in, please click here for the online form. Or call (800) 944-2200, ext. 0, or stop by any First City branch for a printed copy.
*This regulation only includes debit transactions made at merchant locations. It does not include checks, ACH electronic transactions, or online transactions, which will continue to be covered by Courtesy Pay on a discretionary basis for qualified members.
A Valuable Convenience—If Handled Responsibly
Courtesy Pay is an overdraft service provided to qualified First City checking account holders, to protect against Non-sufficient Funds (NSF). Courtesy Pay covers overdrawn checking transactions*—including checks, ACH electronic payments, internet, and merchant debit purchases—up to a designated limit.
Courtesy Pay protects against the inconvenience and expense of NSFs. And it can save you hundreds of dollars in merchant fees and penalties, while it protects your good name and credit rating. At the same, the service must be handled with care. Here's why:
To avoid using overdrawing your account, should regularly monitor your clearings, available balance, and deposits. Our free FirstCitylink online banking service at www.firstcitycu.org, makes it easy. You can also use PhoneTeller, our 24-hour automated phone service, at 800-934-2489, or call (800) 944-2200, ext. 0 for personal assistance, 8 am - 6 pm, Monday-Friday..
Member checking transactions can also be covered by First City's Overdraft Protection service, with automatic transfers from available funds in regular Savings or Visa Platinum Credit Card account. There is a $5 fee to use this service. To request Overdraft Protection from your Savings Account, call (800) 944-2200, ext. 0, 8 am - 6:00 pm, Monday - Friday. Apply here for a Visa Platinum Credit Card 24 hours a day, or dial ext. 5.
First City's Courtesy Pay service is non-contractual and discretionary. It is available only to members with accounts in good standing that have been open at least 60 days. We reserve the right to cancel the service at anytime, without notice.
Go GREEN With Us!
Sign up for eStatements!
Did you know that the printing of First City monthly statements requires about 1.4 million pieces of paper each year? That's why we want to encourage members to receive their statements online. Help us save our forest! Sign up for eStatements!
Top 10 Reasons To Sign Up for eStatements
View Your Statements Online
Your First City monthly statements are now available within our FirstCitylink online banking service. eStatements are displayed in the same easy-to-read format as our printed statements – plus you’ll be able to view and print-out copies of your checks! If you are not yet registered for online banking, click on the “Sign-up” link in the FirstCitylink box at www.firstcitycu.org. It’s easy, and it’s FREE!
Member-only Aquarium of the Pacific Discounts
First City has signed up for the the Aquarium of the Pacific Member and Employee Online Discount Tickets Program. This means, as a member, you can now buy discounted tickets for the Aquarium of the Pacific online! You may purchase tickets by going directly to their online store at https://affiliatetickets.aquariumofpacific.org and entering this personalized Store Name: First City Credit Union
We hope you are able to visit the Aquarium of the Pacific soon!
When you refer a friend, family member or co-worker for first city membership, you'll both receive $25! Have your friend submit the Referral Form and you'll get $25 when their new accounts are opened.
Who Can Join:
For more information, or to verify that the person you are referring can join, call (800) 944-2200, ext. 0 or visit the "Become a Member" section.
"Phishing" is a term used by Internet fraud artists who send email lures to "fish" for private information, such as passwords and account numbers from consumers. Personal information should never be provided to a site or email, unless you initiate a request or inquiry. And remember: First City, the National Credit Union Administration (NCUA), or any other reputable organization, would never solicit personal information from you through an email! If you suspect that you have been phished under the guise of First City's name, please call (800) 944-2200, ext. 0. For more information about protecting yourself from fraud, please visit the Federal Trade Commission site at http://onguardonline.gov/index.html
Online Banking Security Upgrade
Enhanced Login Procedures Provide Added Protection
Your online security is important to us. We have upgraded your online banking experience to include a new security service, which is known in the online security industry as Multifactor Authentication (MFA), to further help protect you from identity theft. At First City Credit Union we refer to this as Enhanced Login Security. With this enhanced login security, both your online banking password and your computer will be automatically recognized by our data processing systems. This feature will tell us if you’ve logged on to online banking from a public computer or one you have NOT used before. If you’re using a computer we do not recognize, we will e-mail a temporary passcode to your personal mobile phone. You will need to know the temporary passcode, in addition to your online banking password, to access your account. This will prevent unauthorized access to your accounts. Your Homebanking password will need to be changed semiannually for security reasons. You will be prompted in Homebanking when the password change is required.
Signing Up for Enhanced Security
Simply sign up once, using the home banking login prompts for Enhanced Security, register your PC and email address, and you’re all set. The next time you log in, it’s business as usual. The rest of your online banking experience will remain the same. We’ve posted a list of Frequently Asked Questions about these new features here. For assistance or more information on Enhanced Login Security, please contact us at (800) 944-2200, ext. 0.