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Online & Mobile Banking

Online and Mobile Banking Overview

Get all the convenience of Online Banking right from your smartphone or gain access on the homepage of this website. 

With mobile banking you can access your accounts when you need them from just about anywhere you may be. You can use your mobile phone or device to conveniently and securely access your accounts the way that’s best for you using your iPhone, iPad, Android or web enabled phone or device.

With Mobile Banking you can:

  • Access real-time account information and check balances
  • Transfer funds instantly to other FD Community FCU accounts or loans
  • View transaction history
  • Pay your bills whenever you want with Online Bill Pay1
  • Locate ATMs and/or branches near you2
  • Deposit checks with your smartphone
  • It’s safe, convenient and free3

If you are already signed up for Online Banking, accessing Mobile Banking is easy. Just download the app to your device from your device’s market (iTunes for Apple devices, Google Play for Droid, or Amazon Apps for Kindle Fire). 

Mobile apps for your iPhone, iPad, Android phone, or Kindle Fire

To download our app click on the appropriate button below from your phone and follow the instructions to download to your phone.

Download on the App store - FD Community FCU Mobile App
Get It On Google Play - FD Community FCU Mobile App
Availble at Amazon - FD Community FCU Mobile App

Or visit your phone’s App Store and search "FD Community."

If you don’t have an Apple or Droid device you can access the mobile web version from your web enabled smartphone.

Mobile Banking Frequently Asked Questions Mobile Banking Security Tips

Don’t have a web enabled device? No problem, we’ve got you covered too!

Even if you don’t have a web enabled device, you can still access your account information if you have SMS text messaging service from your wireless provider. Receive balance information and view recent transactions by texting** any of the following commands to 454545

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Savings account balances
  • LAST = Last five transactions
  • TRANS $$$ = Transfer specified fund amount to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords

Balance and transaction alerts can also be set up through Online Banking by clicking on “My Profile” and then “Alerts & Notifications.” Provide your cell phone number, select the alerts and notifications you would like to receive and then save your changes.

1 Payees for Mobile Banking Bill Pay must first be set up in Online Banking Bill Pay. Not available with sms text message banking
2 Not available with sms text message banking
3 Check with your wireless carrier for voice, text or data fees that may apply.
All terms applicable to FD Community FCU Online Banking also apply to FD Community FCU Mobile Banking.
iPhone, iPad and iTunes are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android is a trademark of Google, Inc.

Frequently Asked Questions

What can I do with Mobile Banking?

With the FD Community Federal Credit Union mobile banking, you can:

  • Check your balances
  • View and search transaction history
  • Transfer money between accounts
  • Pay Bills
  • Find ATM and branch locations
  • Deposit checks with your smartphone

Do I need internet access on my mobile device?

Yes. You must have Internet access on your cell phone to use all the features of this service. If you do not have Internet access, please contact your service provider for details on specific fees and charges.

Is there a fee to use FD Community Federal Credit Union’s mobile banking services?

FD Community Federal Credit Union mobile banking is provided at no cost to our members. However. data charges by your mobile phone provider may apply, and are the responsibility of the mobile phone owner.

What is the difference between FD Community Federal Credit Union Mobile Website and the apps?

Both are free from FD Community Federal Credit Union and both offer easy access to your accounts. You must have a supported Apple or Android device to download the app, while our Mobile Website can be accessed by any smartphone or web-enabled device. The features of the FD Community Federal Credit Union Mobile website are pretty much the same as the app, but the app uses your phone’s built-in features to provide a more customized experience.

How do I access the FD Community Mobile Website?

From a mobile device with Web browsing capabilities and an active data plan, all you have to do is open a browser and go to our homepage at Click on the “e-Branch login” button to access the mobile website home page.

Enter your user ID and password – the same you use for Online Banking – and select the Log In button. The first time logging in you will be asked to confirm your identity by responding to a phone call or text message. Your logon to Mobile Web Banking will then proceed.

Is mobile banking secure?

Yes. Just like in FD Community Federal Credit Union Online Banking, we use the same 128-bit encryption to help keep your information secure and private. FD Community Federal Credit Union mobile banking does not store any personal or account information on your phone.

What if my mobile phone is lost or stolen?

If your phone is ever lost or stolen, you should notify your carrier right away. No one can get to your FD Community Federal Credit Union account information without knowing your username and password. If you feel your password needs to be reset, log into FD Community Federal Credit Union Online Banking from your pc and change your password. If necessary, you can also contact us to turn off your Mobile Banking service.

Do I need a user name and password to access the FD Community Federal Credit Union Mobile Website?

Yes, but you must be an Online Banking user. Your user name and password are the same for Mobile Web and Online Banking.

If I don’t have FD Community Federal Credit Union Online Banking, how do I get FD Community Federal Credit Union Mobile Banking?

Call the Credit union during normal business hours at 203-753-9201 and have a Member Solutions Representative register you for Online Banking. It only takes a few minutes and once complete you will be able to access your accounts through Mobile Banking too.

Why does my mobile banking screen look different than my friend's screen even though we both bank at FD Community Federal Credit Union?

Each mobile device model and service provider offers a variety of web browser applications, and Mobile Web is capable of adjusting to most types of phones that offer web access. However, different mobile devices may display a variety of font sizes, colors and buttons.

Mobile Deposit FAQs

Who is eligible for Mobile Deposit?

Individuals who have an active savings or checking account are eligible for the service if they qualify. Business share accounts are not eligible for Mobile Deposit.

How do I qualify for Mobile Deposit?

You must be a member in good standing and be a registered user of online banking to qualify for Mobile Deposit. Please refer to the Mobile Remote Deposit Services Agreement for additional details.

What types of checks can I deposit with Mobile Deposit?

Most domestic checks may be processed through Mobile Deposit. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through Mobile Deposit. Please refer to the Mobile Remote Deposit Services Agreement for additional details.

Are there any limits on the dollar ($) amount of deposits I can submit and/or limit count?

Yes. Initially there is a $500 limit per deposit item and a daily limit of $1,000.00. Higher limits may be requested by contacting us at 203-753-9201.

Are there fees associated with Mobile Deposit?


Do I photograph both the front and back of my check?

Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for Mobile Deposit?

You will sign your check with the following endorsement:

  • Your Signature
  • “For Mobile Deposit Only”

How will I know if my deposit has been received?

You will receive a notification by email when your deposit has been received.

How will I know if my deposit is processed?

When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

When will my deposit post to my account?

Deposits may be made with Mobile Deposit at any time. If your deposit is made after our daily cutoff time of 3:30 PM EST, your deposit will post to your account on the next business day. Deposits confirmed as received after close of business, and deposits confirmed as received on holidays, Saturdays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure

Can I deposit more than one check at a time?

Only one item/check is allowed per deposit. You may make multiple deposits per day. However, keep in mind that initially there is a $500 limit per deposit item and a daily limit of $1,000.00. Higher limits may be requested by contacting us at 203-753-9201.

What if the check image I photographed is bad?

You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please bring your deposit to one of our branches for processing.

Do I destroy my check after I make the deposit?

Yes, but not immediately. After you receive confirmation that we have received an image, you must securely store the original check for 60 calendar days. Please refer to the Mobile Remote Deposit Services Agreement for additional details on retaining checks.

Can I make my initial membership deposit through Mobile Deposit?

No. Currently, your account has to be opened and the initial deposit made at one of our branches.

What if I submit a deposit for the wrong amount? Do I need to resubmit the deposit?

No. You do not need to resubmit your deposit. In most cases our operations area will correct the deposit amount.

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Deposit service.

If a check I submit is returned, can I resubmit it?

No. Returned checks are not permitted. Please stop by your local branch for processing or further information.

Is Mobile Deposit secure?

Yes. The mobile banking service utilizes best practices from online banking. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, log into online banking on your personal computer and under “My Settings” change your username and password and delete your cell phone number, or call us at the number below.

If I need additional information on Mobile Deposit, who may I call?

For additional assistance, please call 203-753-9201 and select option 2.

Mobile Remote Deposit Services Agreement

Security Tips

FD Community Federal Credit Union takes safeguarding your personal and financial information seriously. The following mobile security tips and precautions will help protect your account and keep sensitive information private.

  • When not in use, keep your mobile device locked with a password.
  • Turn off your mobile browser “remember password.”
  • Do not store login information on the mobile device.
  • Do not store private information on your phone.
  • Never send sensitive account information via text message or unsecure email.
  • Take advantage of all security options available on your device.
  • Consider installing an anti-virus software application on your mobile device.
  • Frequently delete browser history and text messages.
  • Do not open messages from an unknown sender.
  • Never click directly on links in emails unless you are sure of the destination.
  • Take extra precautions when downloading applications to your mobile device and understand the permissions the application is requesting.
  • If you lose your mobile device, log into your account from another computer and change your User ID and Password.
  • For more information about on-line security and how to protect your identity, you can visit our e-Fraud Prevention website.

FD Community Federal Credit Union will never call, email, or send a text message asking for your login credentials i.e. your username or password. If you receive a suspicious communication, please contact the credit union at 203-753-9201 during normal business hours.

Please contact us with any questions or concerns. If you ever feel that your personal information has been compromised, please contact FD Community Federal Credit Union as soon as possible at 203-753-9201 during normal business hours.

FD Community Federal Credit Union’s mobile banking service is an easy way to keep up with your credit union accounts while you are on the go. You can view your account balances, search recent transactions, pay bills, find ATMs and branch locations and – all from your internet-based phone or device. Bank from your phone through our iPhone app, our Android app, or our FD Community Federal Credit Union Mobile Website.

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