SecurLOCK Equip

SecurLOCK Equip is a new mobile app that allows you to control how, when and where your debit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

SecurLOCK Equip requires you have a debit card issued on your account with First Commercial Bank. You will also need an Apple or Android smartphone. Any Android device running version 4.1 or later, as well as any Apple iPhone running IOS 8.0 or later are compatible.

It is simple. If you have an iPhone, just download the app from the Apple store. If you have an Android phone, download the app from the Google Play store. After downloading the app you will be instructed to enter your full card number along with other authentication information. Once registered, you can begin using the app immediately.

NO. SecurLOCK Equip only allows you to manage your debit card. It does not provide balances or information about your other First Commercial Bank accounts such as checking, savings, or loans. The FCB mobile app should continue to be your on-the-go connection to your bank accounts.

There is NO fee for the app. It is provided to you free so you have more control over your card.

You can register as many debit cards as you like as long as they are issued by First Commercial Bank. Your email is needed in case you forget your password and need to reset it.

Please use the Contact Us button at the bottom of the home screen of the SecurLOCK app. You may also call us directly at 601-709-7777 and our support agents will be happy to help.

You can begin using the service immediately. By turning the card off, the little green button in the top right corner of the card image will turn red. This means that all transactions (except for recurring) will be declined. When you are ready to make a purchase, simply turn the card back on. It’s that easy. Now you have the ultimate control to combat fraud. Once you become comfortable with the on/off function, you can start selectively setting controls and alerts by channel (online, in-store, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.

On the Login page of the SecurLOCK Equip app, tap the “Forgot Password?” link below the Login button. Enter your SecurLOCK Equip username and click OK. You will be emailed a one-time security code. Check the box “I have the security code” on the Forgot Password page, enter your username, this code, and then create a new password.

Contact us immediately at 1-800-500-1044 if your debit card is lost or stolen. After you receive a replacement card, you must add this new card to your SecurLOCK Equip account via Menu > Manage Portfolio > Add Card. The old card cannot be removed, but you can “unmanage” the old card via Manage Portfolio.

Just download the app to your new smartphone and login with your current username and password. You can then set your controls and alert preferences. Alternatively, if you backed up your old smartphone you can use the backup to set up your new phone and not have to do anything else.

No, your other transactions will not be affected by SecurLOCK. You will be able to view the last 50 debit card transactions in the SecurLOCK app for thirty calendar days.

Some merchants send pre-authorizations at higher amounts to test cards’ validity. For example, a $25 gas purchase might display as $125. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the pending charge is listed in the app for more, it will clear your account for the actual amount of the purchase.

Press the icon that has three stacked lines to reach the menu. This icon is found in the top right corner of the screen.

Detailed information can be found throughout the app. Help can be found at the bottom of the Login page and listed in the menu. On specific pages there will often be an “i” you can tap for additional information. For example, on the My Location page, tapping the “i” next to My Regions will open a window with information on how the My Regions control works.

A password is required to access the app. The app only displays the last four digits of your card number. Also, no personal information is stored on the smartphone.

Certain Android devices do support fingerprint identification.

Alert preferences let you know every time a card transaction is attempted. You can be alerted for all transactions or just preferred transactions. Preferred alerts are available by location, transaction type, merchant type, and threshold amount.

It is an immediate notification sent to the app.  You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions.  Preferred alerts are available by spend limits, location, transaction type and merchant category.

It happens immediately after you set and save the option.

No. Alerts are sent via push notification to the app on your device. These alerts also display under Messages in the SecurLOCK Equip app.

No, standard limits set by First Commercial Bank take precedence over any controls set within SecurLock.

No.  Using the card controls to turn the card off does not change the status of your account. Recurring transactions will continue to be approved and processed even when the card is turned off. You can also choose to receive alerts on recurring transactions.

In the app, go to Transactions, find the one that was denied and open it. Tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.

My Location and My Regions can work independently or together, but they cannot be used in conjunction with International. If you are travelling, you still need to contact us to have travel notes added to your card to avoid any interruptions.

Only the primary device will receive alerts. Use the Settings menu in the SecurLOCK app to set your phone as the Primary Device. You should also check the Settings on your mobile phone to make sure you have allowed notifications from the app to appear on your device.

There is a “Help” function within the app as well as a “Contact Us” button. Tapping this button allows you to select the most convenient way to contact First Commercial Bank.