First City Monument Bank

FAQs On Account Reactivation Process

Can I reactivate my account at any FCMB branch?

Yes, you can. Simply visit our nearest branch with a copy of XXX, YYY and fill an Account Reactivation Form

Can I reactivate a corporate account with new signatories?

Yes. However, a copy of the Certificate of Incorporation as proof of the new signatories must be provided before account can be reactivated.

FAQs on Domiciliary Accounts

Can I pay funds into my Domiciliary Account from overseas?

No, you can’t, except where you placed a Standing Instruction to debit your Naira account and credit your Domiciliary account.

FAQs on Education Investment Plan

Can I change the name of the beneficiary?

Yes, a customer can change name of beneficiary at any time.

FAQs on Salary Accounts

Can I pay cheques from other banks into my Salary Current Account?

Yes. However, submission of documentation such as a valid means of identification (ID), utility bill and 2 valid references are required for this.

Can my salary be paid into my Savings Account?

Yes. All you need to do is give your Savings Account number to your Employer as your preferred salary account.

Can I continue to use my Salary Account after resigning from the company?

Yes. However, submission of documentation such as a valid means of identification (ID), utility bill and 2 valid references are required for this.

FAQs on Target Savings Account

Can I open a Target Savings Account in Euro?

No. Currently, Target Savings Account is only available for savings in Naira and US Dollars

FAQs on Statement of Account

Can I generate my Statement of Account online?

Yes, if you have registered for Internet Banking. Otherwise, you can either contact the Contact Centerto request that your Statement be sent via your registered email address or visit the nearest FCMB branch to request for your Account Statement.

FAQs on Travel Allowance

Can a company apply for Business Travel Allowance / Personal Travel Allowance on behalf of a non-signatory / staff?

Yes. Visit the nearest FCMB branch to apply

FAQs on Internet Banking

What is FCMBOnline?

FCMBOnline is our 24/7 online banking service which allows you carry out banking transactions from the convenience of your home, office or any location anywhere in the world. All you need is an internet enabled device – phone, desktop computer, tablet or laptop. More and more people are discovering the benefits of online banking, with new customers signing on daily.

FCMBOnline is available for individual and corporate customers (link to respective internet banking login page)

What type of transactions can I carry out on FCMBOnline?

Most of the transactions carried out in the banking hall can be carried out via FCMB Online. These include:

24/7 access to your account, which allows you conveniently carry out banking transactions from the comfort of your home, office and anywhere you are in the world
Transfer funds from your account to any account anywhere in the world (USD and GBP)
Online real-time account monitoring facility – check your balance, monitor transactions, print your account statement and print your transaction receipts
Bills payment – you can pay your Custom Duty, DSTV, GOTV bills, as well as purchase airtime and much more
Request for Cheque book, bank drafts and debit cards
Easy access to bank information and products i.e. loans and credit cards.
Request, confirm and stop cheques
Change password and update your login details.
Single view of ALL your FCMB accounts showing available balances including credit cards, loans and deposits accounts.
And so much more…

Can I still use my branch for manual transactions?

Yes, you can. You will be able to carry out a range of transactions online, but still have to visit a branch for some transactions such as depositing cash and cheques.

What is the registration process for online banking?

This service is automatic for all new customers once ticked in account opening form. Existing customers can register for this service following the steps below:

Steps to Register for FCMBOnline

Visit www.fcmb.com
Click on FCMBOnline: Personal Version
Click Register
Read and accept the terms and condition
Enter your Account details
Account Name
Mobile Number (as registered with the bank)
Email Address (as registered with the bank)
Select a New Login Name (your preferred name for logging in to FCMBOnline)
Select Debit Card preference:
- Click Yes, if you have a Debit Card and enter your card PAN (16-19 digit number)
- Click No if you don't have a debit card and continue (please note that where the card number is not provided, you will be placed on “View Mode Only”, pending when card PAN is supplied)
Click Submit to register your form

Once the steps above are completed, you will receive your login credentials immediately – your Username is sent to your registered phone and Password to your registered email address.

Login with the received details, then change your password, generate your transaction password and change your default transaction password to your preferred transaction password. After this, you are ready to start carrying out your online transactions!

I got a text messages saying I have been profiled for Internet Banking, but am yet to receive my Username and/or Password?

Profiled customers should check their email (including spam / junk / bulk mail folders) for their log in details. Where customers still can’t locate their details, kindly Contact Us to request a reset. (link to Contact Us page)

I have more than one account. How many of them can I view on FCMBOnline?

All your accounts are automatically added to your profile once you are set up on the platform (including loan accounts). If any of your account is not profiled on the platform, please Contact Us. (link to Contact Us page)

Can I operate both Personal and Business Accounts on FCMBOnline?

Yes you can. For personal banking, all your accounts will be displayed. For example; if you have 2 current accounts and 1 savings account, you will be able to view all three accounts. The bank is currently reviewing a separate online banking for business account holders; FCMBOnline (Business Version).

How secure is FCMBOnline?

The security of your accounts and transactions is our number one priority. FCMBOnline uses the state-of-the-art encryption technique and fraud detections systems, which ensure your transactions are secure and you can enjoy the benefits of convenient banking wherever you are. The security system and technologies utilized to guarantee customer security when using FCMBOnline include:

128 bit data encryption between your computer and internet banking system.
Keypad for PIN entry to guard against password cloning.
The use transaction code to complete a transaction.
Secret questions and answers.
User name and Password

In addition to the measures put in place by the bank to guarantee your security when using FCMBOnline, there are important steps that you can personally take to help ensure your accounts remain safe and secure:

Never share your sign-in details with anybody
Never respond to emails that ask you to supply your sign-in details. These are known as phishing emails and we would never email you asking you to supply your sign in details

I can’t remember my Username or Password or answers to my Security Questions

Can’t remember Username

If you cannot remember your log in Password or Username, kindly Contact Us to request a reset. (link to Contact Us page)

Can’t remember Password

If you cannot remember your login password, after inputting your Username, click the “Forgotten your password” link, which will take you to a page that requests for your “Login Name” and “Any Secret Answer”. An email containing a default password will be sent immediately to your registered email address. You are advised to login with the default password and change the default password to any password of your choice.

Can’t remember answers to Security Questions

If you are already logged in and can’t remember your security answer, click on the Get secret answer link. An email with one of your secret answers will be sent to your registered email. Once you are logged on to the platform, click on the Home option menu and click on Security questions. This will display all your security questions and you will have the option of requesting for your secret answers or changing your secret questions.

What is Authentication Code?

Authentication Code is an automatically generated numeric passcode that enables you carry out transactions with your online account. Authentication codes are required only for highly sensitive transactions such as funds transfers, Airtime Purchase, Bills Payment etc.

How do I generate Authentication Code?

Authentication code can be generated in any of the following two ways:

System generated code: authentication code is automatically generated via the system and sent as an SMS to the customer’s phone. Once received, the customer should insert the 8-digit code in the space provided for authentication code.
Hardware Token: the Hardware Token is a small mobile device (key holder-size), which is used to generate a one-time passcode to enable you carry out transactions requiring a higher level of authentication. Once generated on the hardware token, the customer can insert the 6-digit code in the space provided for authentication code.

How do I use Hardware Token?

To use your Hardware Token, simply follow the below steps:

Press the play button at the bottom left of the Hardware Token and a 6-digit code will appear.
Enter the numbers onto the tab provided on your transaction page for authentication code
Click Transfer / Pay button to conclude your transactions.

How can I get a Hardware Token and what is the cost?

You can get a token from any FCMB Branch at a one-off fee of N1, 500. However if you are outside the country, you can request for one at same cost but will be charged for courier fees. This will vary depending on your location.

Can the Authentication Code expire?

The SMS authentication code will expire if not used within 5 minutes, while the Hardware Token expires in 10 seconds. In this case, you will be required to generate another one-time-pass code which will be different from the previously generated code.

SMS Authentication Code is not delivering to my phone

Kindly Contact Us to resolve this. Please be aware that phone numbers that have been recently ported to a different network may face challenges with code delivery. (link to Contact Us page)

I am getting an error message on my Hardware Token – “Invalid Token”. What do I do?

Kindly generate another token. If the issue persists, please Contact Us to request a reset. (link to Contact Us page)

How do I generate Transaction Password?

To generate your Transaction Password, simply follow the steps below:

Login to FCMBOnline with your User ID and Password (link to FCMBOnline login page)
If the account was registered without card PAN Details, call Contact Centre to take you off View Only mode
Click the Transaction Password link on the Home Options menu
Fill in the correct answer to the displayed security question
Input the Login password
Click the Reset button.
Upon successfully Transaction password generation and receipt of “transaction password changed successfully” notification on the online banking page
Do step 1-4
Input the Current Transaction Password( which is the default transaction password sent to the registered email (It’s advisable to copy and paste the default transaction password to avoid any error)
Input the New Transaction Password (password of your choice) and confirm the new transaction password by inputting it a second time
Click Change.
Check registered email for successful notification upon successful notification “transaction password changed successfully” on the internet banking page.

How can I change my Transaction Password?

Login to FCMBOnline with your User ID and Password (link to FCMBOnline login page)
Click on the Transaction Password link on the Home Options menu
Fill in the correct answer to the displayed security question
Input the Current Transaction Password
Input the New Transaction Password and confirm the password by inputting it a second time
Click the Change button
Check registered email for successful notification upon successful notification “transaction password changed successfully” on the online banking page.

How do I transfer money to others?

Click on transfer within FCMB or outside,
Select the account you want to transfer from
Input the beneficiary’s account number, click on Confirm Account Number
Input the amount you want to transfer
Input the narration or purpose of transfer
Click on Continue
Input your transfer password and authentication code sent you via SMS or Hardware token
Click on Transfer

How do I transfer money between my FCMB accounts?

Click on the Transfer funds (within FCMB) menu
Click on the To own Account link.
Select the account number to be debited and account to be credited
Input the transfer amount and transfer memo
Click Continue.

What is the maximum amount I can transfer on a daily basis?

The daily default limit is N1,000,000 (One million naira only), while one time transfer limit is N500,000 (five hundred thousand naira only). The daily limit and one time limit can both be increased on your request. Kindly Contact Us to request a limit increase (link to Contact Us page)

What happens if I initiate an interbank transfer with the wrong recipient details?

Where wrong account details don’t exist, the transaction won’t go through, as the system will be unable to recognise the account number. Thus, the transaction would be automatically reversed.
You have to confirm the recipient account number before initiating the transaction. At this point you are encouraged to check the account details to ensure it is correct.

What are applicable charges for transfer?

Account to self - No charge
Third party (intra-bank) - No charge
Inter-bank – N70 for amounts less than N500,000 and N100 for amounts between N500,000 and N9,999,000 and N500.00 for amounts above N10,000,000.00
DSTV/GOTV – N100

How do I block my Debit Card?

Under the Manage Request menu, click on the Block Card link. This service is only available for Verve card holders. Please note that you can request for a new card in any of the following ways:

Visit our nearest branch to be issued a new card (link to Branch Directory)
Via our online banking platform; or
Reach our 24/7 Contact Centre Consultants on 01-2798800 or Contact Us to request a new card (link to Contact Us page)

How do I Confirm / Stop a cheque?

Go to the Manage Request menu, click on the Confirm Cheque link and enter details such as cheque number, beneficiary details, date on cheque, amount, etc. Thereafter, fill in your transaction password and click Submit.

I attempted to login and received the error message – "Invalid login/Password"

Contact Us to request a password reset. The password you will be sent is valid for 24hrs and you are required to change your password upon receipt of the new password. (link to Contact Us page)

I am unable to carry out transactions on my account

Reply the email with advise on your login details to request for a Transaction password or call the Contact Centre. Upon receipt of your Transaction password, you are required to acknowledge receipt within 24hrs in other to activate it.

I am unable to make an intra-bank transfer from my account to another FCMB account

Ensure that you have entered the correct Account name and Account number. Also check that you have internet access.

Can I transfer funds from FCMB to accounts in other banks?

Yes, you can.

FAQs on FCMBMobile

Click here to view and or download a STEP BY STEP Document ON FCMB MOBILE

What is FCMBMobile?

FCMBMobile is the Mobile Banking service of First City Monument Bank Limited. It is an account-based Electronic Funds Transfer application which allows subscribers to make use of their mobile phones to carry out banking transactions. With it, you carry out basic banking transactions conveniently on your mobile phone within Nigeria, anywhere, anytime.

Why do I need FCMBMobile?

FCMBMobile enables you to carry out transactions while on the move. It provides convenience, as you can perform critical banking transactions from your mobile phone without having to visit the banking hall.

What are the benefits of using FCMBMobile?

Access your account anywhere anytime
Remit funds to your loved ones and business associates without hassle
Pay your bills at your convenience (DSTV)
Pay business partners and suppliers without stress
Carry out transactions round the clock; it’s a 24/7 service.
Save yourself the time of having to visit the banking hall every time.

What transactions can be carried out on FCMBMobile?

The transactions available on the FCMBMobile service include:

Funds transfer (Inter-Bank and Intra-Bank)
Bills payment
Airtime purchase
Balance enquiry
Mini statement
Cardlex ATM

What types of phones can support FCMBMobile?

All customers that are on the GSM networks can get registered on FCMBMobile. In other words, all kinds of mobile phones support FCMBMobile.

How can I get FCMBMobile application on my phone?

a. For internet-enabled Smart phones

Send D FCMB as an SMS to 20220 from any of the following networks: MTN, Glo, Airtel or Etisalat
You will receive a text message from eTranzact containing a link – the FCMBMobile service application (this will be delivered as a .jar file).
Click on the link to start downloading the file. The application file is downloaded into the Games, Downloads or Application folder
Choose Activate with Account and enter your account and mobile number as registered with the bank during account opening. Enter any password of your choice and select your network provider
You will receive a Profile synchronisation successful message at the end of the exercise.
Follow the instruction in the congratulatory text to receive your PIN immediately via SMS; or call Contact Centre on 01-2798800 and ask for activation
Log into FCMBMobile application and change your PIN.
Visit a nearby branch for data capture, in order to increase your daily transaction limit.

b) For non-smart phones (e.g. Nokia 3301, Nokia 103, Nokia 700)

Dial *389*214# on any of the following networks – MTN, Glo, Airtel and Etisalat
Select Activate with account by dialling the number assigned to it
Enter your account number
A message will appear on your screen Congratulations you have been successfully synchronised
Call Contact Centre for activation and PIN
Once you get your PIN, dial *389*214# and select Services, then select Change PIN, enter the default PIN and your new PIN, then confirm your new pin.

Note: You should always dial *389*214# whenever you want to use the service. You can save *389*214# on your phone as FCMBMobile for easy access.

c) For others:

For Android Phone – Go to Play Store
For Blackberry Q10, Z10 etc – Go to Blackberry World
For Nokia Lumia – Go to Market Store
For iPhone, iPad – Go to Apple Store
Other Java enabled phones including BB Curve and Bold - Text D FCMB to 20220

What memory space is needed on phones to install FCMBMobile?

At least 128KB of free memory space is required on phones.

Do applicants need to have an account with FCMB before they can use FCMBMobile?

Yes. FCMBMobile is restricted to FCMB account holders only.

Can funds be transferred to accounts in other banks with FCMBMobile?

Yes, except to Citi Bank and Standard Chartered accounts.

How much am I charged when I make transfers between accounts?

Transfers to an account within FCMB attract no charge while transfers to an account in another bank costs N100 only.

How much is charged when airtime is bought with FCMBMobile?

No extra fee is charged. You only pay for the exact amount of airtime purchased. In fact, for airtime top up you need not have airtime on your phone to do a top up.

How much is charged when a balance enquiry is done with FCMBMobile?

This service is free.

How do I initiate a transaction?

To pay your DSTV bill, follow these steps:

Select Bill Payment on the main menu.
Select the Pay DSTV option
In the space provided, enter your smart card number, amount and PIN
Press the Proceed button the confirmation page is displayed.
Press the Proceed button. The next screen is displayed.
Select your preferred method and then click on Proceed (if you chose the SMS method, on some phones, you will prompted twice to approve, by choosing Yes, that the SMS be sent.)

How do I purchase Airtime?

There are two main methods of airtime purchase – Topup or Pincode. With Topup, the indicated phone is recharged automatically and no Airtime Voucher Number is received. In a Pincode Purchase, an Airtime Voucher Number is received and the indicated phone is not recharged automatically. The Airtime Voucher Number must be loaded manually into the phone in the usual way.

To purchase airtime to recharge the FCMBMobile phone, follow these steps:

Select Phone Recharge on the main menu
Select Topup to make a Topup Airtime Purchase or Pin Code to make a Pincode Purchase
Select Self if you are buying for yourself or Third Party for others
Select your network
Select airtime value, enter PIN and select Send

How to initiate Inter-Bank/Intra-Bank Funds Transfer

To transfer funds to an account in another bank, follow these steps:

Select Funds Transfer on the main menu. The menu below is next displayed:
- Select the Bank Accounts option
- Select the Beneficiary’s bank
- Enter the beneficiary’s account number, beneficiary’s phone number; enter a narration (optional), amount and select account to use; select account type and then enter your pin
- Press the Proceed button. The Confirmation Page is displayed.
- Press the button.
- Select your preferred method and then press Proceed. (If you chose the SMS method, on some phones you Proceed will prompted twice to approve, by choosing Yes, that the SMS be sent.)
An SMS is received showing whether or not the transfer was successful.

How much is charged when a request for a mini-statement is made?

This service is free

How much am I charged on SMS for my transactions?

SMS costs N10

How many times can the application be used in a day?

The application can be used as many times as needed daily

Is FCMBMobile restricted to a particular location or region in Nigeria?

No. FCMBMobile can be used anywhere in Nigeria once there is network service on your phone.

What is the maximum amount that can be transferred via FCMBMobile every day?

The maximum that can be transferred via FCMBMobile is N200,000 per day. You can however, ask for your limit to be increased to N500,000 by calling the contact centre or visiting any FCMB Branch.

What account type can be used for transactions on FCMBMobile?

Both current and savings accounts can be used.

If I misplace my phone, what happens to my account?

All transactions on FCMBMobile require the subscribers PIN. Thus, if an unauthorised person has possession of your phone, s/he cannot make any transaction on FCMBMobile except he knows your PIN.

How safe is the application?

All transactions on FCMBMobile are PIN protected and further authenticated by special account codes. Additionally, the network over which the transactions are carried out is Triple Des secured.

What do I do when I change my mobile number?

First you need to visit any FCMB branch to carry out a customer profile update to reflect your new number.
Call the contact centre on 01-2798800 and inform them so that your existing profile can be updated
Thereafter, delete the existing FCMBMobile app on your phone
Download the FCMBMobile App afresh on your new phone. Depending on your phone type:
- For Android Phone – Go to Play store
- For Blackberry Q10, Z10 etc – Go to Blackberry store
- For Nokia Lumia – Go to Market store
- For iPhone, iPad – Go to Apple store
- Other Java enable phones including BB Curve and Bold - Text D FCMB to 20220
Upon successful download of the app and receipt of successful synchronization message, select Menu – Register with Account
Input your phone number as registered with the ban and also your account number
Select your network, then send
You will receive a congratulatory message notifying you that you have been successfully activated on FCMBMobile. Kindly Contact Us or visit the branch for your pin.
Upon receipt of the pin go to the security menu, change the pin and continue enjoying the FCMBMobile Services
Should you require any support please Contact Us (link to Contact Us page)

I have forgotten my FCMBMobile PIN. What do I do?

If you forget your FCMBMobile PIN, kindly ask for a reset at the nearest branch or Contact Us (link to branch directory and Contact Us page respectively)

I have ported my line. What do I do?

To ensure uninterrupted use of FCMBMobile, when you port your line, kindly Contact Us to request your phone number be logged on the ported line application. Typically sorted within 48 hours after request, this will allow you synchronise or change setup to get your PIN, as well as receive transaction alerts on your ported line.

FAQs on ATM Transactions

How do I top up my mobile phone airtime on the ATM?

Insert your card with the FCMB logo surface facing up and ensure that the edge with the Chip goes in first
Enter your PIN (4-digit number) using the keypad and press the Proceed button.
From the list of transaction types, select the Recharge option.
Select Current for current account, Savings for savings account and Credit for MasterCard and VISA account to choose which of your accounts you would like to use to make the payment
Select your mobile phone network provider e.g. MTN
Select an amount and enter the mobile phone number you want to top up, then conclude by pressing the Proceed button
Choose Yes if you want to perform another transaction and then enter your PIN number again, otherwise choose No to end transaction.