Online Banking & Bill Pay

Finish your to-do list without getting off the couch. Online banking and bill pay let you manage your money anytime, anywhere there’s internet access. Check account balances, view checks written, and transfer funds — all from the comfort of home. Forget about late fees when you schedule payments in advance. And easy access to free eStatements helps you reach your financial goals. Find more time in your day (and more money in your wallet) — enroll in online banking today!


Online Banking

  • Free, secure, and easy-to-use service for First Colorado customers
  • Manage a number of banking activities anytime, anywhere with internet access:
    • Access eStatements
    • View account balances and history
    • Transfer funds between accounts (one-time and recurring transfers)
    • View checks written
    • Make loan payments
    • And more!
  • Make more time for yourself; fewer bank trips necessary
  • Print or download information to popular financial management software 

Online Bill Pay

  • Pay one-time or recurring bills with ease:
    • Schedule payments in advance
    • Set up payment reminders
    • Ensure payments are received on time
    • Have all payee information in one convenient place
    • Retain funds until paper drafts are presented for payment
    • Avoid paper clutter
    • More secure than paper billing
  • Save money on postage

Get Started

  1. After you have opened your account, go to the home page of our website ( and click on the “Online Banking Login” button in the top right-hand corner. This will prompt the below window to open. olbmodal
  2. Click on the button at the bottom of the window to “Enroll New User.”
  3. Enter your information in the spaces provided and click Next.
  4. Answer the out-of-wallet questions to verify your identity.
  5. Click on the highlighted links to view each disclosure.
  6. Enter your new Username and enter a Security Code. The Security Code is different from your account password and is for one time use to validate the invite email.
  7. Click Finish. By clicking Finish, you are agreeing to First Colorado National Bank’s Online Banking Services Agreement.
  8. If your enrollment was submitted on a normal business day, an email with an invitation link to use for your first login will be sent to you within 24 hours. If your enrollment was submitted on a holiday or weekend, the invite email will be sent on the next business day.
  9. When you receive the invite email from, click the highlighted link.
  10. Enter the Security Code that you created in step 6.
  11. Enter your Username and create a Password. Passwords must be at least 8 characters, including a number, an upper case letter, a lower case letter, and a special character.
  12. Choose or create your Security Questions and Answers and click Save.
  13. You will now be able to login with your new Username and Password to access your account information!

Note: If you receive an error or are experiencing issues, please feel free to call the bank at either of our branches and we will be happy to assist. Paonia – 970-527-4141 Delta – 970-874-0100


Why do I have to complete the update?

Our online banking technology includes Multi-Layered Authentication. This requires you to complete a one-time security update, which activates your account for access to online banking. You must complete this update to access your account information online. It is intended to provide you with the best security possible.

Multi-Layered Authentication consists of validation and authentication of an individual using more than one method of verification. Generally, this is accomplished by verifying three things:

  1. Something you are, in the form of identifying information like your dog's name or where you went to high school
  2. Something you have, such as a driver's license or a security token
  3. Something you know, such as a Password

Item #1 - You will need to create three (3) question and answer pairs. This allows us to verify that you are in fact, you, by presenting you with a question that only YOU know the answer to. If you don't answer the question correctly, you will not gain access to your accounts.

Item #2 - You will also need to create a "security key". This allows you to verify that you have reached our online banking site, and not some other site. Every time you attempt to log in to your accounts, we will send you a graphical representation of the security key that you created. If you do not see that security key or it is not the one you created then you know that you are NOT at OUR site. If this happens, please contact us immediately.

Item #3 - This is one that you already know. This is your Password. 

How does the login process work?

It is our commitment to you that access to your financial information is appropriately secure. We have taken enhanced measures to secure our online banking site. As always, if you have any questions or concerns regarding these changes, please contact us.   

The login process is as follows:

  • Login is a multiple step process instead of one screen where you enter your User ID and Password. First, you must enter your User ID and the Random Code. 
  • You will then be asked to answer one of the challenge questions. If you choose to remember your computer you will bypass this step. Remembering your computer is on the last step of the login process. 
  • The last screen will prompt you to verify the security key image that you selected during the security update and to enter your Password. You may select to remember your computer here. 

What is the Random Code?

The Random Code is an extra security measure used to eliminate fraudsters from randomly selecting account numbers. It is randomly generated each time you try to log in.

What is my security key image?

The security key image is used to help you identify our online banking as a legitimate site. The text word or phrase you select will be converted to an image. When you log into online banking you will see the security key image on every page.

Some things to keep in mind:

  • Use a unique set of characters or word(s) that you can use to identify our online banking site has your security key image
  • Please do not enter any Passwords

What does "remember this computer" mean?

If you choose to remember your computer, you will not be prompted to answer one of the questions you set up during enrollment. You will still have to enter in your User ID, Password and the Random Code. You can remember your computer after you have completed the initial enrollment and login. The system uses information about your hardware and software to recognize a remembered computer.

If you delete your browser cookies on your PC, you will have to re-remember the computer. The secure cookie will periodically expire on your computer and will require you to remember your computer again.

What does "do not remember this computer" mean?

If you are using a computer that is accessed by numerous users (ex. library or at airport kiosks) we recommend that you do not remember your account on this PC. We only recommend you remember your personal computer at home or at work. 

What is a secure cookie?

A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user.  In this case, the cookie that is stored on your PC during login lets you bypass your personalized security questions whenever you access online banking in the future. The secure cookie will periodically expire on your computer and will require you to remember your computer again.

Can I remember my account on another computer?

Yes. You can remember your account on more than one PC.

Can I, my spouse, and children remember our accounts on the same PC?

Yes. You can remember numerous accounts on the same PC. This will bypass the security questions when you log in.

Do I have to re-remember my PC when I delete my cookies?

Yes. The system uses your PC hardware and software information to recognize you are a legitimate user. If you delete your cookies, the information is no longer available to authenticate your login. You will be prompted to answer one of your security questions.

Why do I have to remember my computer again when I use a separate browser on the same PC to access online banking?

When you remember your account on a certain PC it stores software and hardware information used to access online banking. The system stores information like your browser (Internet Explorer, Netscape, Firefox) and operating system (Windows XP, 2000, Macintosh). If you access online banking with anything different for future logins, you are required to remember the new system information.

What if I forget my password or the answers to my questions?

Please feel free to contact us by phone and we can reset your session.

Can I change my questions and/or my security key image?

Yes. Once you log into your account you will have access to change your questions and/or your security key image.

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