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Enhanced Security

Help Us Protect You

In today’s online environment, username and password criteria used to access your financial information is no longer considered sufficient to securely verify your identity. Therefore, in addition to your username and password, our online verification requires us to deliver to you a One Time Passcode via something only you possess: your email.

Once you receive this piece of information and enter it into our system, we will remember your computer and browser and mark your browser with a cookie. This registers your computer and adds an extra layer of security.


Cookies are files placed on your computer by websites that help them identify you as a returning visitor, and allow you to access information more quickly and/or conveniently. Device registration is performed by our website saving a cookie on your computer.

First City Bank Online Banking uses cookie data to determine that you have already registered your computer and browser. When you return to our website, it checks for that cookie to confirm it is registered.

One Time Passcode

When you log in, you are in a secure session. A One Time Passcode (OTP) provides an enhanced level of security, called two-factor or two-step authentication, and is used to register your computer. Our OTP is a series of numbers sent via email when you log in from a device we don’t recognize.

The code can be used only once, and expires 30 minutes after it’s sent. Valid One Time Passcode (OTP) emails come from, and are only valid from within the Internet Banking session used to request it. This means it’s valid only for one login session, so it’s imperative to leave this page open, and open a second window to go to your email (or access your email from a second device) to retrieve the OTP, then go back to the First City Bank security page to input the OTP. If you closed this page by mistake and log in again, another OTP will be generated and the first OTP will not work.

If you do not receive this email, please check your “Spam” or “Junk Mail” box. If you need to update your email address, please call First City Bank Customer Care at 850-244-5151.

If you have registered your computer by previously inputting a passcode and check-marking the “Do not challenge me again on this device” statement at the bottom of the security page, but the system is still asking for a OTP next time you log in, one of the following may apply:

  • Your browser is set to delete cookies, or cookies are being manually deleted, either every time the browser is closed, or after a certain amount of time (for example: daily, weekly, or monthly.)
  • You are logging in via a different browser on the same registered computer. Each browser must be individually registered.
  • You are using a different computer.
  • Online banking has been updated, requiring all users to register their computer again.

Settings vary by browser, but you can usually change your cookie settings by going to the browser “Options” or “Settings” menu and finding the “Privacy” settings. Or, search your browser’s “Help” menu for “enable cookies.”

Please remember, not all cookies are beneficial, so please consider the security implications prior to adjusting your browser settings.