Skip to main content

Online Banking FAQ

Mobile Banking Overview

Q. Where do I sign in to NCCFCU Online Banking?

You can access NCCFCU Online Banking at

Q. Will I need to download a new app with the new digital banking?

Yes. The Apple app is available on the App Store and the Android app is available on Google Play. Be sure to delete the OLD NCCFCU app as it will no longer work.

Q. Will I have to change my username and password to access the new online banking system?

Yes! You will need to re-enroll in the new platform.

You can use your same username and password as before if you would like, as long as they meet the new requirements, listed below:

To Enroll:

1. Click on the “First Time User? Enroll Now” link on the login screen.

2. Complete the required info for the PRIMARY account holder- SSN, Member Number (this is the last 5 OR 6 digits of your full checking account #), Email and Phone Number and click NEXT.

3. Username requirements: 

Must be between 8 and 15 character in length

Must begin with a letter.

Cannot contain special characters.

4. Passwords must be between 8 and 20 characters in length and can use any of the following special characters ONLY:


Online banking login form showing Username field
Online banking form showing Social Security number input field, member number input field, email input field and phone input field

Q. Will I need to re-enroll in eStatements with the new digital banking?

No. You will not have to re-enroll in eStatements. If you have not yet enrolled in eStatements, we encourage you to do so. The new digital banking site will make accessing your account and statement information easier than ever.

Secure Log On With Mobile Banking

Q. What is 2-factor authentication and why is it used by the digital banking system?

Two-Factor Authentication is a new security measure that allows you to request a one-time access code to log in to digital banking. The code enhances the security by creating an added layer on top of your unique username and password. This security process helps to verify you and better protect your credentials and the accounts you can access.

Q. Can I use an email for two-factor authentication?

An email and a phone number are required for the two-step authentication. The one-time access code will be sent via text or phone call. The phone number must match our records for the additional security layer to work correctly.

Q. How do I login to the new online banking platform?

You can access the new digital banking and your account on a desktop, laptop, mobile phone, or other internet-accessible device. There are two ways to do this: 1) Visit our website and click Log In to get started, or if you prefer to use the app, 2) Download the NEW mobile banking app from the Google Play or Apple Store.

Q. When I log into digital banking, do I need to get a confirmation code every time I log in?

No. Check the “Don’t ask for codes again on this computer” box if you do not want to receive a confirmation code or phone call each time you log in. If you prefer to input a confirmation code with each use, you can leave the box unchecked or use the 2-Factor Authentication app to deliver the code. Note: If you ever want to remove a device and reset your security settings, you can change them in settings once logged in to digital banking.

Q. How can I log in to digital banking if I can’t get a verification code through text message?

Two-Factor authentication uses a unique one-time access code to verify identity and log on to digital banking. If you are unable to receive text (SMS) messages, you can choose to receive your access code via a phone call.

  • On the verification code screen click Try another way located beneath the Verify button
  • Select Phone Call and click Next
  • You will receive an automated phone call that will provide your access code (Have a pen and paper ready)
  • Return to the verification code screen
  • Enter your access code and click Verify

Understanding Features

Q. Can I manage my cards using online banking?

You can do the following:

  • Activate or deactivate a card
  • Reorder a card
  • Report a lost card

For a step-by-step guide, download the instructions.

Q. Can I manage alerts from the mobile app?

You can manage the following types of alerts:

  • Balance alerts
  • Transaction alerts
  • Deposit alerts

For a step-by-step guide, download the instructions.

NCCFCU Mobile App Manage Alerts screen

Q. Which internet browsers can I use to access my accounts online?

Recommended browsers (current major release):

  • Microsoft Edge
  • Firefox
  • Safari
  • Chrome

Note: Microsoft no longer supports Internet Explorer versions older than 11.0, and security updates are not available. Please download one of the browsers listed above.

Safari versions below 10.1.2 are not compatible with the initial log in process. To complete the initial log in process, upgrade to the latest version of Safari, or use Chrome or Firefox.

Q. What minimum software versions are required for the mobile app?

The Apple mobile app requires a minimum version of iOS 11. The Android mobile app requires a minimum version of Android 5.0.


Q. What types of transfers can be initiated in the mobile app?

We offer:

  1. One-time transfers
  2. Future-dated transfers
  3. Recurring transfers

Two accounts need to be associated with the app to complete a transfer. Future-dated transfers and recurring transfers are available only for JHA core institutions.

Q. How do I complete a transfer in the mobile app?

Depending on the situation there are multiple steps you must follow. Please download the Transfer Instructions to learn the best method to meet your situation.

Bill Pay

Q. Can I pay bills and add payees in the mobile app?

Yes. You can conveniently pay bills to virtually anyone in the US, 24 hours a day in the mobile app.

To get started:

  1. Select Payments from the main menu. The Enroll in payments screen appears if the end user is not enrolled in iPay.
  2. Select Enroll.
    The success screen appears, along with an Add a payee option.
  3. Select Add a payee to go to the screen to add payees.
    The end user is enrolled in bill pay and can add payees.

Adding Payees

Save time by adding multiple payees. Enter the form information and tap Continue or Submit when finished.

  1. Go to the Payments landing page and select Payees.
  2. Select Add a payee.
  3. Tap the type of payee to add.
    • Company
    • Person
      • Direct deposit
      • Email
      • Text message (SMS)
      • Check

Q. Can I add multiple payees?

Yes. Yes. You can conveniently pay bills to virtually anyone in the US, 24 hours a day in the mobile app.

Q. Will my existing bill pays transfer over to the new platform?

Yes. Any bill pay items that have been scheduled up until 8 AM EST on Wednesday, October 20th, 2021 will transfer over to the new platform.

Q. Is there a fee for using Bill Pay?

No. Bill Pay is free for all NCCFCU customers.


Q. What happens if my mobile device is lost or stolen?

If your mobile device is lost or stolen and/or you feel your log on credentials may have been compromised, please contact the Customer Service immediately.

We also recommend contacting your wireless service provider to have your device deactivated.

(iOS) As soon as possible, log on to iCloud ( and remotely wipe your device using the ‘Find my iPhone’ app. Select the lost device and erase its data.

(Android) As soon as possible, log on to your Google Account ( and remotely lock or erase your device.

Mobile Check Deposit

Q. How do I make a check deposit using the mobile app?

  1. Select Deposit checks in the Banno Mobile main menu.
    The Deposit history appears.
  2. Select Make a deposit.
  3. Complete the To and Amount fields. NOTE: You can select
    +Add a deposit note to include a deposit note of 50 characters or less with the deposit. When the account is chosen and you’ve inputted an amount, the Capture check button becomes active.
  4. Use Capture check to take images of the front and back sides of your check using your device’s camera.
    Make sure the check is signed and includes your account number along with “for mobile deposit only at NCCFCU.”
    A Verifying check message appears.
  5. Confirm the information that appears on the next screen by selecting Deposit[amount], or select Edit to change the
    NOTE: To deposit additional checks, select +Add another check.
  6. When finished, select Done.
Make a deposit mobile app screen showing deposit history which includes six most recent transactions

Q. What should I do with my paper check?

You must write ‘mobile check deposit’ and the date on the front of the check, and save it for 90 days. After 90 days you should destroy your check.

Q. Are there fees for using mobile check deposit?

No. However, data rate charges from your service provider may apply. North Carolina Community Federal Credit Union is not responsible for these charges.

Touch ID/Face ID or Fingerprint ID

Q. What is Touch ID and Fingerprint ID log on, and can I use it to log on to the NCCFCU Mobile Banking App?

Touch ID on Apple, and Fingerprint ID on AndroidTM, are fingerprint recognition features available on certain mobile devices, allowing you to log on to the mobile app using just your fingerprint, instead of your Digital Security Device Passcode. Touch ID is available on iPhone 5s and newer, and Fingerprint ID is available on devices running Android 8 and later.

Q. How do I set up touch ID for iOS?

  1. Tap the slideout menu and select Settings.
  2. Tap Security in the menu.
  3. Tap the toggle next to Touch ID.
  4. Select Enable Touch ID.

Q. If the mobile app does not recognize my fingerprint or face, can I still log on?

  1. Tap the slideout menu and select Settings.
  2. Tap Security in the menu.
  3. Tap the toggle next to Touch ID.
  4. Select Enable Touch ID.

Q. Will my fingerprint or face be stored in the mobile app or anywhere else within NCCFCU?

No. For more details please refer to the Online Banking Terms and Conditions.