Online Banking and Bill Pay For former Santander Customers | First Commonwealth Bank Skip To Content

Online Banking and BillPay

For Former Santander Bank Customers

Online Banking

Accessing Your First Commonwealth Bank Online Banking

Steps for Logging In the First Time

  1. Access Online Banking using the most current version of Internet Explorer, Mozilla Firefox, Edge, Google Chrome or Safari.

  2. For personal accounts, your Online Banking ID is your Santander username. Your temporary Online Banking password is the last four digits of your social security number. For business accounts, your Online Banking ID will be a combination of your Santander Company ID and User ID. For example, if your company ID was "AA123" and User ID was "admin", your new Online Banking ID with First Commonwealth would be AA123admin. Your temporary Online Banking password is the last four digits of your business tax ID number. If you do not have a social security number or tax ID number, please refer to the letter sent in August or contact our Engagement Center (customer service) at 800-711-BANK (2265) for assistance in accessing your account. In the event that your current username is longer than 25 characters, you will only use the first 25 characters. In most cases, there is no change to your Online Banking username. If there is a change to our username, you will be contacted directly.

  3. For personal accounts, review and accept the Online Banking Agreement. For business accounts, you will be prompted to do this upon your second log-in.

  4. Create a new password between seven and 25 characters, with any combination of numbers and letters. Symbols can also be used.

  5. Choose a watermark image from the image selections.

  6. Choose and provide answers for three verification questions and enter your primary contact phone number. These may be used for security purposes to verify online activity. You may also receive a phone call from us providing you with a one-time code instead of the text message that you may be used to with Santander.

  7. Confirm and update your email address.

  8. Create a password reset question and answer. This can be used in case you ever forget your password.



Your First Commonwealth Bank BillPay is now available. To access BillPay, simply click the BillPay tab within your new Online Banking. Upon doing so, you can expect the following:

  • Payments: All future dated and recurring payments scheduled in the Santander BillPay system will convert over to First Commonwealth BillPay. New payments can now be scheduled through the First Commonwealth BillPay system by clicking the BillPay tab within any Online Banking screen. Before scheduling any new payments, please review the Pending and History sections under the Payments tab to avoid duplications.

  • Pay from Account: Please verify that payments are being made from your preferred deposit account. You can view and change your preferred deposit account within BillPay.

  • Payment History: Your bill payment history for the six months prior to the changeover date have transferred from Santander's bill pay.

  • Payees: Confirm that your currently established payees have transferred into the new BillPay system. If a payee does not appear, you can easily add it by selecting “Add New Payee” under the BillPay tab.

  • eBills: Your current eBills did not convert, and you will receive paper bills. You can enroll in the new eBills service, which will provide the balance, date due, and amount owed for each payee. Your paper bills will continue to be delivered. To discontinue receipt of paper bills, contact your service provider(s) directly.

  • Account-to-Account and Person-to-Person Payments: Account-to-account (external transfers) and person-to-person payment information did not transfer. To resume this service, you will need to re-establish your payment information. The cutoff time for account-to-account transfers is 2:30 p.m. Monday - Friday. Transfers initiated after the cutoff time will process on the next business day. As a First Commonwealth customer, you can send money to anyone with a phone number or email address within BillPay by setting up a person-to-person payment, whether they have a First Commonwealth account or not.

  • Joint Accounts: Even if you have a joint account that requires more than one signature to process transactions, the First Commonwealth Online Banking system will allow any account owner to access the account and complete electronic transactions (including internal and external account transfers, person-to-person payments and online bill payments) without the other account owner’s approval.

  • Transfers: Recurring internal transfers that were set up in Santander Online Banking converted to First Commonwealth’s Online Banking. You can now review recurring transfers within the First Commonwealth Online Banking system by selecting the “Internal Transfer” option under the Online Banking tab.

  • Alerts: As alerts in the Santander Online Banking system did not convert, No you will need to re-establish and create additional alerts. Simply select the “Alerts” option under the Settings tab within the First Commonwealth Online Banking. For a complete listing of available alerts, contact our Engagement Center (customer service) at 800-711-BANK (2265).

  • Account Nicknames: Nicknames you previously established for your Online Banking accounts have transferred but will be shortened to a maximum of 19 characters and will include the last 4 digits of the account number.

Additional Features for Businesses: Businesses have access to additional reporting and the ability to manage users through the Treasury tab within Online Banking. Learn more in our Treasury Management section.


Money Manager - For Personal Accounts

Within the First Commonwealth Online Banking experience, you have access to Money Manager,
a free financial management tool. The Money Manager dashboard screen shows a comprehensive illustration of your financial activities. Getting started is easy - just select the Money Manager tab in Online Banking.

  • Develop a budget and set financial goals
  • Track accounts and organize spending through customizable categories
  • Import account information from other financial institutions to keep track of all you financial activities, such as other bank accounts, credit cards and investments


Business Online Banking Conversion Guides

As you are converted over to First Commonwealth's Business Online Banking system, you will need to modify your Quicken and QuickBook settings to ensure as smooth transition of your data. Many customers have found the following tools to be helpful, so please use them as needed.


Quicken Mac 2015 - 2017 Web Connect

Quicken Mac 2015 - 2017 Express Web Connect

Quicken Windows Web Connect

Quicken Windows Express Web Connect

QuickBooks Mac Web Connect

QuickBooks Online Edition

QuickBooks Windows Web Connect