Frequently Asked Questions

About First Command Bank

Where are your branches?

Currently we have one branch located at 1 FirstComm Plaza in Fort Worth, Texas.

What are your hours of operation?

Our lobby hours are 9:00 a.m. – 3:00 p.m. Central Time, Monday – Friday. Our Customer Care Center is available via phone at 888.763.7600 from 7:00 a.m. – 7:00 p.m. Central Time Monday – Friday. We are available to assist you with online banking issues 24 hours a day at 888.763.7600.

What is the bank’s routing (ABA) number?

The bank’s routing number is 111993695

How long will it take for you to respond to my email?

We strive to respond to e-mail received Monday - Friday within four hours. Messages received over the weekend and on holidays will be reviewed the following business day. You may contact our Customer Care Center at 888.763.7600 from 7:00 a.m. - 7:00 p.m. Central Time Monday - Friday.

Are my deposits at First Command Bank FDIC insured?

As a member of the Federal Deposit Insurance Corporation (FDIC), First Command Bank is insured by the FDIC. The FDIC insures deposits in checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories.

If a family has $250,000 or less in all of its deposit accounts at the same insured bank, the deposits are fully insured. A person may qualify for more than $250,000 in coverage at one FDIC member bank if he or she owns deposit accounts in different ownership categories and all FDIC requirements are met.

The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an FDIC member bank.

To learn more, read our FDIC Deposit Insurance FAQs or visit the FDIC’s Deposit Insurance Web site at www.myFDICinsurance.gov where you can estimate your FDIC insurance coverage.

Online Banking

What hours is OnCommand Online Banking available?

Access to the system is generally available 24 hours a day, 7 days a week except from 2:00 a.m. until 5:00 a.m. ET on Wednesdays, and occasionally for system maintenance.

What Internet browsers should I use to access OnCommand Online Banking?

Recommended Browsers for Windows and Macintosh Users

What if I forgot my OnCommand User ID or password?

If you forget your User ID, call online banking support any time, day or night, at 888.763.7600.

If you forget your password, go to the OnCommand log-in and enter your user ID and select the Forgot Password link at the password request. You'll be prompted to respond to the authentication questions you set up when you established your OnCommand account. (Remember, your answers are case-sensitive.) Once you’ve successfully answered the authentication questions, you’ll be prompted to reset your password. If you are unable to answer the authentication questions or need additional help, call OnCommand online banking support at 888.763.7600.

How do I register for eStatements?

To register for eStatements you must have an OnCommand online banking profile. Once you are logged into OnCommand:

Select the Accounts tab, then the View Statement link in OnCommand.

Upon accepting the terms in the disclosure, you’ll be registered to begin receiving eStatements, and you will no longer receive paper statements.

View more eStatements FAQs

What is Expedited Payments?

Expedited Payments is a secure bill pay service that allows you to make a payment to a participating merchant that is received and credited to your account by the merchant on the same day. Expedited payments made on holidays and weekends will post on the next business day. With our 100% payment guarantee you will never pay a late fee or penalty for a properly scheduled payment that complies with the merchant’s policies. There is a fee for sending an expedited payment. For more information or to make a Expedited Payment, log into OnCommand, click on the Payments tab and follow the instructions.

What are Account Alerts and how do I receive them?

Account Alerts provide timely information about your account to your e-mail or mobile device, so you can manage your accounts more effectively, help prevent fees, and monitor for irregular activity.

Account Alerts are available for Current Balance, High Balance, Low Balance, Deposits, and Withdrawals.

What are your current rates?

First Command is committed to offering competitive rates for all our financial products.

View current rates.

What fees are charged to my account?

We are committed to enhancing the value of your accounts by keeping costs low, some fees are necessary to cover costs for additional services.

We’re confident that if you compare, you'll find them to be some of the lowest around.

View Deposit Account Fees.

How do I update my contact information?

Learn how to change your mailing address online, by fax, mail or phone.

How do I order checks?

To place an initial order for checks, call Customer Service at 888.763.7600.

To re-order checks, follow these instructions

How do I mail in deposits? What address should I use?

It’s easy to bank by mail. Endorse checks by writing your signature, your account number and For Deposit Only in the endorsement area on the back of each check to be deposited, then drop your non-cash deposit in the mail using one of our preaddressed, postage-paid envelopes.

If you don't have a preaddressed, postage-paid envelope, simply mail your deposit to us at:

First Command Bank
PO Box 901041
Fort Worth, TX 76101-2041

If you need to get your deposit to us in a hurry? Address overnight or express mail to:

First Command Bank
1 FirstComm Plaza
Fort Worth, TX 76109-4999

How do I request deposit slips, envelopes and check book registers?

To request postage-paid deposit envelopes, deposit slips and check book registers, send e-mail to fcbcustsvce@firstcommandbank.com, including your name and current mailing address in your message. You may also make your request by phone to Customer Service at 888.763.7600, or mail your request to:

First Command Bank
PO Box 901041
Fort Worth, TX 76101-2041

Are First Command Financial Advisors able to accept deposits at their offices?

Advisors are allowed to accept only the opening deposit. Mail non-cash future deposits directly to:

First Command Bank
PO Box 901041
Fort Worth, TX 76101-2041

To expedite delivery, send overnight or Express Mail to:

First Command Bank
1 FirstComm Plaza
Fort Worth, TX 76109

When will my deposit be credited to my account?

We post deposits until 3:00 PM Central time. Anything received after 3:00 will be credited on the next day.

How do I set up direct deposit?

Provide the following information to your employer’s payroll processor or the financial service department of your employer:

Bank name: First Command Bank
Routing number: 111993695
Your Account Name
Your Account Number

What types of overdraft protection do you offer?

First Command Bank offers two types of overdraft protection: Overdraft Program and Coverdraft. The Teen Checking account is eligible for Coverdraft only. The Command Checking Account is eligible for the Overdraft Program or Coverdraft.

The Overdraft Program provides an approved overdraft limit of $250. This feature is subject to credit approval. Instead of an Approved Overdraft Limit, you may request a Coverdraft be set up from another First Command Bank Deposit account or First Command Bank Line of Credit.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

View more Overdraft Protection FAQs

How do I close my account?

To close an account, log into OnCommand, select the message box in the top right corner of the page, and send a request to close your account that includes the last four digits of the account you want to close. Or, make your request by phone to Customer Service at 888.763.7600.

How do I add a joint account holder?

To add a joint account holder, log into OnCommand, select the message box at the top right corner of the page, and send a request that includes the joint account holder’s full name, physical address (no PO Boxes) and telephone number; date of birth, Social Security number, mother’s maiden name, and last four digits of the account on which the joint account holder is to be added. Or, fax your request to us at 888.763.7605. The addition of a joint applicant that is not a current First Command Bank customer will be subject to a credit check.

How do I remove a joint account holder?

We do not remove account holders from a joint account. Call Customer Service at 888.763.7600 to close your joint account and open a new account in your name only.

Loans

What are your current rates?

First Command is committed to offering competitive rates for all our financial products.

View current rates

How do I apply for a loan?

Apply online for the loan that fits your needs. You may request a paper application by e-mail to fcbloanservice@firstcommandbank.com. Currently, we do not process applications via phone.

Credit Cards

How do I apply for a credit card?

We are currently accepting new account applications only from existing clients of First Command Bank or First Command Financial Services. If you are interested in establishing a relationship with a First Command Advisor, please visit our website at www.firstcommand.com.

For those who are already clients of First Command Bank, you may open an additional bank account via OnCommand or you may request an application by sending an e-mail to fcbebank@firstcommandbank.com.

For those who are clients of First Command Financial Services, but do not presently have an account at First Command Bank, please contact your First Command Financial Advisor.

How do I request a limit increase on my Visa account?

You can apply for a Visa limit increase online, by mail or by fax. To apply for a Visa limit increase online, log into OnCommand, select Account Services, under Service Requests click on Request a Visa Limit Increase, and follow the instructions to submit. To apply for a Visa limit increase by mail or fax, download the Visa Limit Increase Request Form, complete it and submit by mail or fax.

How do I transfer balances on my Visa?

You can request a balance transfer online, by mail or by fax. To request a balance transfer online, log into OnCommand, select Account Services, under Service Requests click on Request Visa Balance Transfer, and follow the instructions to submit.

To request a balance transfer by mail or fax, download the Visa Balance Transfer Form, complete it and submit by mail or fax.

Debit/ATM Cards

How do I activate my Debit MasterCard or ATM card? How do I find out my PIN?

Call the telephone number on the sticker affixed to your card to activate it. The activation process will require you to answer a security question.

We do not supply your PIN. You may take your card to any ATM to set your PIN. When the ATM requests your PIN, enter any four-digit number you choose.

My debit card or ATM card will expire soon. When will my new card be sent to me?

Your new card will be mailed to your address of record several weeks before your current card expires.

How much can I purchase each day with my First Command Debit MasterCard?

Your First Command Debit MasterCard works just like a check and draws directly against your checking account. You can make up to $3,500 a day in purchases using your First Command Debit MasterCard if your account balance is adequate. Purchase amounts are deducted directly from your checking account, and the purchase history is detailed in your account transactions in OnCommand and on your monthly bank statement.

If you seek a credit card with a no fees and a low everyday rate, please consider the First Command Platinum Visa card.

How can I raise my daily purchase limit on my First Command Debit MasterCard?

As stated in your debit card disclosure, any changes to your daily purchase limit must be requested in writing to First Command Bank and will be effective no later than 10 days following receipt by us.

How much can I withdraw from an ATM using my First Command Debit MasterCard or ATM card?

The daily ATM withdrawal limit on your Debit MasterCard is separate from the purchase limit. The daily ATM withdrawal limit using your First Command Debit MasterCard or ATM card is $1,000.

I lost my Debit MasterCard or ATM Card. What do I do?

To report a lost or stolen First Command Bank Debit MasterCard or ATM card, call 866.546.8273 within the US, 24 hours a day, seven days a week.

Security

What do I do if my purse or wallet has been lost or stolen?

Notify law enforcement immediately.
Call us at 888.763.7600 to block all lost or stolen cards, checks and account information.
Carefully review your account on a regular basis.
Notify us of any discrepancies on your account.
Report a lost or stolen credit card.