Your checking account should be readily accessible and easy to use. With features like unlimited check writing, a debit card and OnCommand™ online banking, First Command Bank offers all that — and more. From your teenager’s first account to an interest-bearing checking account for yourself, we have a solution that’s right for you.
Our personal checking accounts offer service on demand and on the go.
Earn interest while enjoying the convenience of a checking account that’s loaded with features.
Download the MobileCommand™ app for iPhone® or Android®, and discover the simplicity and convenience of doing your everyday banking right from your mobile device.
Check account balances
Common Checking Account Questions
To place an initial order for checks, call Customer Service at 888-763-7600.
To reorder checks, simply log in to OnCommand online banking and follow these steps:
1. Click on “Accounts,” then choose “Account Summary.”
2. Find the account for which you want to order checks.
3. Click the “Order Checks” link on the right.
You’ll be able to choose from a variety of check styles. Checks ordered online may be shipped to U.S. addresses and APO/FPO addresses. If you have a foreign address, call us to place your order.
To request postage-paid deposit envelopes, deposit slips and checkbook registers, email email@example.com. Be sure to include your name and current mailing address in your message. You can also call Customer Service at 888-763-7600 or send a request by mail to:
First Command Bank PO Box 901041 Fort Worth, TX 76101-2041
Provide the following information to your employer’s payroll or financial service department:
Bank name: First Command Bank Routing number: 111993695 Your Account Name Your Account Number
Please call the number on the sticker affixed to your card to activate your card. The activation process will require you to answer a security question.
To Activate your First Command Bank Mastercard® Debit Card, call 888-763-7601 or 817-569-3400. When prompted, set your four digit PIN.
Your new card will be mailed to the address associated to your account several weeks before your current card expires.
You can make purchases of up to $3,500 a day using your First Command Mastercard® Debit Card if your account balance allows it. The amounts are deducted directly from your checking account, and the purchase history is detailed on your monthly bank statement and in OnCommand account transactions.
You may request that your daily purchase limit be changed by contacting our Personal Bankers Monday-Friday, 7 a.m.– 6 p.m. Central Time, at 888-763-7600 or by sending a service request through OnCommand.
The daily ATM withdrawal limit for your First Command Mastercard® Debit Card is $1,000.
To report a lost or stolen First Command Mastercard Debit Card, call 888-763-7600 during normal business hours Monday-Friday 7am-6pm CT. For assistance after hours or on Bank Holidays, call 888-297-3416.
At First Command we encourage responsible financial management, but we recognize that there are times when you need some flexibility. That’s why we offer two types of overdraft protection: the Overdraft Program and Coverdraft.
An overdraft occurs when you don’t have enough money in your account to cover a transaction, and we pay it anyway (fees apply). The Overdraft Program provides an approved overdraft limit of $500, subject to credit approval. The Overdraft Program is not available on the Teen Checking account.
Coverdraft automatically transfers funds directly from another First Command Bank Deposit account when there are insufficient funds in your checking account at the time of the withdrawal/transaction.
Note: We reserve the right not to pay an overdraft if your account is not in good standing, if you aren’t making regular deposits or if you have too many overdrafts. To learn more about overdraft protection, please refer to the Depository Agreement and Disclosures booklet.
There is no fee for the Coverdraft transfer. You have the option to set a predetermined amount for transfers (such as $250, $100, etc.). With this option, the specified lump sum will transfer when a Coverdraft is needed, helping to reduce the number of potential transfers. If you choose not to set a predetermined amount, only the amount needed to cover the transaction will be transferred for each separate transaction.
Coverdraft transfers from a First Command Money Market Savings Account are included in the federal limit of six withdrawals/transfers per month. Withdrawals exceeding the limit will incur a fee.
eStatement users will receive a notification email detailing the transaction(s) and fee(s) for the items paid under the Overdraft program. If you’re not an eStatement user, we’ll send you a notice by mail.
Here are a few ways to avoid overdrafts on your account:
Know your current balance and keep track of your spending.
Use OnCommand Account Alerts to monitor your account activity.
Review your account statements monthly with eStatements.
Schedule your bill payments in OnCommand or MobileCommand to control when funds move out of your account.
Take action quickly to deposit funds when needed. Funds can be easily transferred between your accounts using OnCommand and MobileCommand.
Deposit a physical check in minutes using the MobileCommand app on your iPhone or Android smartphone.
We post mail and in-person deposits until 3 p.m. Central Time Monday – Friday (except holidays). For funds availability on Mobile Deposits, please see our Funds Availability Policy in our Depository Agreement.