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Ways customers can assist to improve their security.
  • Check your account often for suspicious activity – either through the Internet, phone or ATM statements.

  • If you have a reason to suspect fraud, contact your financial institution right away by phone, your online banking site, or at the branch.

  • Other general safety recommendations provided by the American Bankers Association include:
    • Be wary of your surroundings and of other people who may be near you at the ATM or retail point-of-sale.
    • Use your body or hand to “shield” the ATM kor point-of-sale keyboard as you enter your PIN. Be wary of those trying to help you, especially when an ATM "eats" your card. They may be trying to steal your card number and PIN.
    • Always take your receipts or transaction records with you and check them against your statements. Report unauthorized transactions immediately.
    • Do not give your personal or financial information to anyone who calls you over the phone or through text and email. Thieves often pose as bank representatives to steal this information; however, banks already have this information and will not request it from you.
    • Keep a record of card numbers, expiration dates and 1-800 numbers for banks so you can contact the issuing bank easily in cases of theft. Do not leave your bank statements, checkbooks, or credit/debit cards lying around the house or on your desk at work. No one should have access to this information but you.
    • Contact the Federal Trade Commission at www.consumer.gov/idtheft, or call the FTC, at 1-877-438-4338, or write to Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, D.C., 20580.
    • Periodically obtain credit reports from each nationwide credit reporting agency. If any information on the credit report appears fraudulent, request that the credit reporting agency delete that information from the credit report file. Under federal law, consumers are entitled to one free copy of their credit report every 12 months from each of the three nationwide credit reporting agencies. Obtain a free copy by going to www.AnnualCreditReport.com or by calling 1-877-322-8228.
Phishing Alert

Victims of the Home Depot data breach are vulnerable to phishing attacks right now. Remember, we will never ask for your personal information or your account number in an email. Do not respond to emails that warn of dire consequences, check your accounts regularly and look for the padlock key when submitting sensitive information over the internet. File complaints with the Internet Crime Complaint Center at http://www.ic3.gov/default.aspx

Bill Pay

Due to the recent upgrade to Bill Pay, some users may be receiving an error message when clicking on the Bill Pay button.  In order to clear this error message, it may be necessary for you to clear your cache and cookies within the browser you are utilizing.  To clear cache and cookies in Internet Explorer, in the upper right hand corner of your screen, click on Tools, then Internet Options, then go to the Privacy tab, hit the Advanced button, and make sure the following buttons are checked.

If using a browser other than Internet Explorer, your Help section in that browser will be contain information on how to clear cookies and cache in those browsers.  Once you have cleared cookies and cache in your browser and are sure you are using the most recent version of the browser, please close out of online banking completely.  Then log back in and try Bill Pay again.  This will usually solve the error message problem you were having.

Also, if you have had the firstchatham.com URL previously saved in your favorites or Top Sites, please delete that URL and enter www.firstchatham.com, choose Online Banking log in, and save that new URL to your Favorites or Top Sites going forward.  This will also correct a repeat issue in most cases of errors when accessing Bill Pay.


When customers were converted from Zashpay to Popmoney®, those customers who did not have a phone number on file in the system were given a default phone number. Therefore, Popmoney® may request a valid phone number when using the service for the first time, even if you had previously used Zashpay.

Before you travel internationally, update your Visa® Debit Card!

When traveling internationally, please notify us at least one day prior to your departure, to help prevent interrupted service with your FCB Visa® Debit Card. Notifying FCB will ensure your purchases are not blocked by our fraud monitoring system. Without notification of your travel, we may block usage of your Visa® Debit Card when transactions are identified outside your normal spending habits or in blocked countries. 
Please Read this Important Alert.

First Chatham Bank’s web page should never be accessed from a link provided by a third party. It should only be accessed by typing the Web site name or address in the Web browser or by using a “book mark” that directs the Web browser to First Chatham’s website. A financial institution should not, and First Chatham Bank will not, send email messages to you that request confidential information such as account numbers, passwords, PIN numbers, social security numbers, date of birth, etc. Never respond to any such request, no matter how authentic it looks, and report such an incident to the bank.

To read more about fraudulent schemes and identity theft, please refer to the following websites provided by the Federal Trade Commission (FTC):
http://www.ftc.gov/bcp/edu/pubs/consumer/general/gen22.shtm - “Putting a Lid on International Scams” and
http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt01.shtm - “Identity Theft: What to Know, What to Do"

Fake Check Scam – In a nutshell, if anyone you don’t know tries to pay you for something by check and wants you to wire money back, or wants to send you a check and asks that you to wire funds back, it is a SCAM! There is no legitimate reason for someone who is giving you money to ask you to wire it back.

Some links within this website may link to other sites, which are not under the control of First Chatham Bank or its subsidiaries. We have no control over the nature, content, and availability of these sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.