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Online Security

Information security is one of our highest priorities. We use state-of-the-art software and other technologies to prevent unauthorized users from accessing our systems, especially those accessible from the Internet. Some of the measures we take are very apparent – encryption of sensitive data, password protections, etc. Some protocols, although less obvious, are equally effective. For example, your User ID and password are entered on a page that does not use the https protocol, but the data is encrypted when you submit it. Once you click the “Submit” button, we secure the connection to our servers using SSL technology, then transmit your User ID and Password. Once received, this information is transported within our systems via an encrypted network.

Following are descriptions of some of the layers of technology we employ to help ensure the confidentiality of your transactions:

  • Browser Encryption
  • Username and Password
  • Network Security and Monitoring
  • Browser Encryption

We require the use of a 128-bit secure browser to login to your account and perform transactions. Microsoft® Internet Explorer and Apple® Inc.'s Safari browser are secure browsers. If you are not using one of these browsers, or feel your browser does not meet the security requirements of First Community Bank and Trust, use one of the following links to download an upgraded browser.

Remember that once you've downloaded the proper browser, you must install it on your computer. Follow the browser manufacturer's instructions that appear on your screen.

Secure browsers employ secure sockets layer (SSL) technology to communicate with servers. This technology encrypts—or scrambles—the communication (ie. your account information) so it's virtually impossible for anyone other than First Community Bank and Trust to read it.

What is SSL?

SSL is a protocol designed by Netscape Communications Corporation to provide secure communications on the Internet. SSL does three things:

SSL authenticates that the server you have connected to is the one it purports to be. You can be assured that you are actually communicating with the bank, and not a third party trying to intercept the transaction.

SSL creates a secure communication channel by encrypting all communication between the user and the server.

SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count or checksum provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this checksum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

How can I tell when my connection is secure?

Your address bar will turn green and include a padlock or key icon, indicating a secure connection. You can be certain that any First Community Bank and Trust online banking product which displays or requests information about your account, username, password, application, or any other sensitive information is encrypted. This feature is explanined in more detail below.

Enhanced Online Security: Multifactor Authentication

We offer Multifactor Authentication, the highest level of security for our Internet Banking customers. This process adds an additional layer of security compared to the standard Username and Password log in.

For First eBanc, here's how it works:

Multiple Levels of Authentication
rsa 1

A valid Access ID is entered on our secure home page, www.firstcbt.com. Your Password is then entered on a second secure page. You know it's secure when the URL address bar is GREEN. Note: First eMobile TouchBanking may not always require a username.

rsa 2

The device - your computer or mobile phone - must be recognized or you may be asked an additional Security Challenge Question. It's a good idea to make these answers something you remember, but nobody else can guess.

rsa 3

Geographic location - if your location is different than normal, you may be asked a Security Challenge Question.

Before entering your Password or answering a Security Challenge Question, check your browser's address bar. If your browser's address bar is GREEN, you have a secure connection to the bank. If it's not green, stop your log in process and contact us.

Depending on your browser and its version, here is how the URL bar may look when you log in:

rsa 4

For First eBiz, here's how it works:

Enhanced Online Security for First eBiz verifies your identity in two-ways. Every time you log in to Business Internet Banking, the bank identifies you by your user name, a token generated password and your four digit PIN, and it lets you identify the bank using a four digit code matched to our server.

For First eBiz, here's how it works:

  1. Enter your current Access ID
  2. Activate token to get eight digit password
  3. Enter eight digit password followed by your four digit PIN
  4. Click SUBMIT
  5. Press token again and match four digit number to the one displayed on your monitor.
  6. If they match, begin banking online. If they do not match then close your browser and start over, or contact First Community Bank and Trust at 708.946.2246 for assistance.
  7. Click OK

How I can protect myself?

Never reveal your password to anyone. Never write it down where anyone can find it or figure out what it is. Change your password often, and be sure that you do not use common words that can be found in a dictionary, or numbers in a series. Try using birthdays combined with pet names, or sports teams combined with a birthday for example. Never access the banking site from a computer that an untrusted individual may have access to.

Treat your online username and password with more care than you use for your automated teller machine (ATM) or credit card personal identification number (PIN). With the PIN, you need to present the card. Here you only have the password. In addition, you should make sure that no one is physically watching as you enter your password. Also take standard precautions to keep your computer free from viruses.

Log Out

Please use our "Log Out" feature if you are going to be away from your computer for an extended period of time. Logout will end your session, and you will have to submit your username and password before entering the website again. We strongly recommend shutting down your browser as a good way to prevent others from using your access.

After a period of inactivity your current session on the website will automatically timeout. To restart your session, re-enter your username and password at the log in screen.

Network Security and Monitoring

Firewalls are used to shield our systems and proprietary networks from any unauthorized Internet traffic. The purpose of a firewall is to ensure only authorized traffic is allowed to pass to our systems and networks—all other traffic from the Internet is rejected. Firewalls also create logs of network traffic that allow for centralized auditing and security monitoring. Once your information has been entered, we use an encrypted network to transport data between all our systems and our partner systems to make online banking secure and to protect your personal information. Ensuring the security of your financial transactions is our main goal at First Community Bank and Trust. As such, we employ around the clock security monitoring of our systems and networks.


Standard e-mail sent through our website are not secure e-mails. E-mails sent using our secure e-mail link use secure socket layer ("SSL"). Since our e-mail response back to you using either of these methods is not secure, we will not include confidential account information in the response. You may also contact us by phone or U.S. mail.



  • Encryption: A method of scrambling information while it moves from one source to another to prevent others from reading it.
  • Secure Browser: An Internet browser that has SSL encryption version 3.0 or higher to conduct secure financial transactions over the Internet.
  • Secure Socket Layer (SSL): A form of encryption that protects information being transmitted over the Internet to prevent tampering while it's in transit.
  • Secure Transaction: A transaction that is protected from outside tampering.
  • Firewall: Firewalls are used to shield our network from the Internet.
  • Cookies: A "cookie" is a small text file placed on your hard drive by our web page server. Cookies are commonly used on websites and do not harm your system.