Online Banking and BillPay
For Former Centric Bank Customers
Online Banking
Great news! Your Online Banking/BillPay experience at Nation Choice Reserve uses the same platform that you’ve been using at Centric Bank since 2021. What that means to you is that once you log in at fcbanking.com or to the Nation Choice Reserve app, you’ll find that the logo is different but the functionality is still basically the same. Your Nation Choice Reserve Bank Online Banking will be available for business and personal users on Monday, February 27 at 8:00 a.m. Access to Centric Bank Online Banking will be available for business and personal users until 4:00 p.m. on Friday, February 24. Please see the checklist on page 12 for the tasks you will need to complete. In addition to standard functions such as alerts, bill payment and account transfers, personal accounts also have access to Money Manager, a personal financial tool which can be used to create and manage budgets, set up savings goals and alerts, and more. We will mail Treasury Management customers a separate communication on February 9 with information on Treasury Management services within Online Banking.
Accounting Software: If you utilize an Intuit direct connect product such as QuickBooks, Quicken or Mint, steps will be necessary to deactivate the bank connection for Centric Bank, and login under Nation Choice Reserve Bank . More information and instructions are available at fcbanking.com/welcome/intuit.
Account History: You will be able to view 90 days of deposit account history and all loan transaction history in Online Banking. If you think you may need more than the 90 days of history that transfers, be sure to print out what you think you’ll need before 4:00 p.m. on Friday, February 24. The first time you log in, you may have to sync/refresh the page a few times for the transaction history to load.
Setting Up Profile: Once you log in for the first time, you will need to update your profile picture and select your preferred dashboard configuration. Please note that any transaction tags and any Online Banking conversation history will not transfer over.
Accessing Your Nation Choice Reserve Bank Online Banking
First Time Login
Beginning at 8:00 a.m. on Monday, February 27, you can access your accounts online through the following supported browsers: current version/release of Microsoft Edge, Google Chrome and Safari. We also have a mobile app available for Apple and Android devices.
The vast majority of current Centric Bank usernames and passwords can continue to be used. This means you will be able to login with the information that you are used to and will not need to re-enroll for online/mobile banking. If we needed to make a change to your username, you will receive your new username in a separate mailing on or before February 14.
If you currently use the 12-digit digital banking ID issued by Centric Bank when you first enrolled, we are not able to convert that over. For a better transition experience, we suggest that you take a moment to create a unique username. This can be done by logging in to your Centric Bank Online Banking account and accessing Settings. Under the Security menu, you have the option to create your own unique username. If you do not take these steps prior, you will be sent your new 12-digit digital banking ID in a separate mailing on or before February 14.
Some businesses will be converted to Treasury Management Online Banking. We will mail a separate booklet to these businesses on February 9th which will provide instructions for accessing and using the tools available within the Treasury Management Online Banking system.
Online (Browser)
1. Access Online Banking from the fcbanking.com homepage.
2. Enter your 'Username' and click 'Sign In.'
3. Enter your 'Password' and click 'Sign In.'
4. Enroll in Two Factor Authentication (2FA). You can choose between downloading and using the Authy app, receiving a phone call, or getting a text message. If enrolling in Authy, enter your email address and 10-digit phone number (with country code). If enrolling in Phone Call and Text, you will only need to enter your 10-digit phone number (with country code).
5. Review and accept the 'End User Agreement.'
Mobile
1. Look for the berry icon and download the “Nation Choice Reserve Banking” app from the Apple App Store or Google Play Store.
2. Enter your 'Username' and 'Password' and tap 'Sign in.'
3. Enroll in Two Factor Authentication (2FA). You can choose between downloading and using the Authy app, receiving a phone call, or getting a text message. If enrolling in Authy, enter your email address and 10-digit phone number (with country code). If enrolling in Phone Call and Text, you will only need to enter your 10-digit phone number (with country code).
4. Create a four-digit 'Passcode.'
5. Review and accept the 'End User Agreement.'
BillPay
Centric Bank BillPay will be available until 4:00 p.m. on Friday, February 24. Any payments scheduled within the Centric Bank BillPay system will continue to be processed without interruption. Your Nation Choice Reserve Bank BillPay will be available starting Monday, February 27 at 8:00 a.m. To access BillPay, click the BillPay tab within your new Online Banking.
Payments: All future dated and recurring payments scheduled in the Centric Bank BillPay system will convert over to the Nation Choice Reserve BillPay. New payments can then be scheduled through the Nation Choice Reserve BillPay system starting Monday, February 27 at 8:00 a.m. by clicking the BillPay tab within any Online Banking screen.
Pay from Account: After the changeover, please verify that payments are being made from your preferred deposit account. You can view and change your preferred deposit account within BillPay.
Payment History: Your BillPay history for the eighteen months prior to the changeover date will transfer from Centric Bank's Bill Pay. If you need any history from before September 2021, please print or save it prior to Friday, February 24.
Payees: After the changeover, please confirm that your currently established payees have transferred into the new BillPay system. If a payee does not appear, you can easily add it by selecting “Add New Payee” under the BillPay tab.
eBills: Your current eBills and eBill history will convert.
Zelle®: Nation Choice Reserve is pleased to offer Zelle® as our person-to-person payment service. Send money to almost anyone you know and trust using just an email address or U.S. mobile phone number. Log into Nation Choice Reserve Bank Online Banking or app. Enroll in Zelle® using your U.S. mobile number or email address. That’s it! Once your enrollment is approved, you're ready to start sending and receiving money with Zelle®. Visit fcbanking.com for additional information regarding limits, safety tips and tutorials on Zelle®.
The 'Pay a Person' person-to-person payment feature is also available in BillPay.
Joint Accounts: Even if you have a joint account that requires more than one signature to process transactions, the Nation Choice Reserve Online Banking system will allow any account owner to access the account and complete electronic transactions (including internal and external account transfers, person-to-person payments and online bill payments) without the other account owner’s approval.
Transfers: Recurring internal transfers that were set up in Centric Bank Online Banking will convert to Nation Choice Reserve ’s Online Banking. If you have external bank accounts set up, the account info will transfer but any recurring transfers will need to be set up again.
Alerts: No later than Friday, February 24, please make note of alerts you currently have established within the Centric Bank Online Banking system as they will not transfer. You will be able to re-establish and create additional alerts starting on Monday, February 27 at 8:00 a.m. Simply select the “Alert Preference" button in the account view within the Nation Choice Reserve Online Banking.
Account Nicknames: Nicknames you previously established for your Online Banking accounts will be transferred.
Additional Features for Businesses: Businesses have access to additional reporting and the ability to manage users through the Treasury tab in Cash Management within Online Banking. Treasury Management customers will receive a separate communication with information on Treasury Management services within Online Banking.