First Commercial Bank SWIFT/BIC code

SWIFT/BIC code of First Commercial Bank

The 8-character code FCBKUS66 and the 11-character code FCBKUS66XXX refer to the same bank: First Commercial Bank. The code does one job: it ensures that money from abroad ends up at the right bank. In practice you mostly see it on international invoices, in your banking app and in the bank details of First Commercial Bank customers.

On this page you can read how the code is put together, when you need it and what else you need for a transfer to or from First Commercial Bank. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN does that part.

Which of the 2 codes of First Commercial Bank do you need?

First Commercial Bank has 2 different SWIFT/BIC codes across 1 cities. One of them is the head office code; the others identify branches.

Usually you do not need to look up a branch: transfers sent to FCBKUS66XXX are routed within First Commercial Bank correctly. Branch codes are only needed if the recipient’s bank specifically mentions it, which is more common for corporate accounts and specialised services.

The safest route is to take the code straight from the recipient’s statement. Branch codes can change when banks reorganise.

Verifying the SWIFT code of First Commercial Bank

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given does not match FCBKUS66 or FCBKUS66XXX, do not guess – contact the recipient or First Commercial Bank.

Mistakes in the SWIFT code are costly more than disastrous: often the payment comes back, minus fees. Do not forget the IBAN: an error there is more difficult to undo than a wrong code.

A validity check in your banking app merely tells you that the code exists. More and more banks check the payee name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people send a small amount first before sending the rest.

Changed bank details? Be careful

A common scam goes like this: you receive a request saying that a contact has a new bank account. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Never rely on a phone number in the same message that announces the new account. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from straight away and have them start a recall.

Fraud can also target the receiver. Someone sends more than agreed and wants you to refund the difference. Do not act before the money has really arrived and check with First Commercial Bank if anything seems off.

Sending USD to First Commercial Bank

The local currency of United States is the US Dollar (USD). When you pay another currency, the amount gets converted somewhere along the way: by your bank, an intermediary or First Commercial Bank itself. Every conversion eats into something – usually through the rate rather than a fee.

Who does the conversion affects the final amount. Check how much USD the recipient gets with several providers before choosing one.

Exchange rates move during the day – some services let you fix a rate in advance. For regular payments, a slightly better rate make a real difference over a year.

Paying someone abroad from your First Commercial Bank account

The price of a payment abroad is made up of several parts. Besides the transfer fee, correspondent or intermediary banks can take a cut, and if the money changes currency, the bank usually applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. GoldexPay compares these services side by side, showing what actually arrives. You can still use your account at First Commercial Bank as the source of the money; only the conversion and sending happen elsewhere.

8 or 11 characters: FCBKUS66 versus FCBKUS66XXX

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. Together, those parts make up FCBKUS66.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, so FCBKUS66XXX and FCBKUS66 are interchangeable.

Do not add spaces or dashes when you enter FCBKUS66 or FCBKUS66XXX. A single character can send a payment to another bank.

A note on our data

We collect SWIFT/BIC codes using publicly available data and check our list regularly. Banks reorganise, close branches and change codes – a directory can be a step behind. The number of codes we show reflect our own data and not on information from First Commercial Bank itself.

Treat our data as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with First Commercial Bank, we only compare transfer services. Spotted outdated information? Tell us via our contact form so we can correct it.

When will the money arrive at First Commercial Bank?

There is no single delivery time for every transfer: many arrive the same day or the next while others need several business days. Transfers sent after the cut-off time or just before weekends and holidays usually start a business day later. Compliance checks by one of the banks can also add a delay, even when all details are correct.

When a payment takes longer than expected, contact the sending bank about the status or the UETR so they can trace it along the chain. Keep the payment confirmation until the money has arrived.

If a payment has not arrived within the expected time, the person who paid should start with their own bank, not the receiving bank. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Incoming international payments to First Commercial Bank

A sender in another country needs a few details from you. That means: your full name as registered with First Commercial Bank, your account number or IBAN, the SWIFT/BIC code FCBKUS66XXX (or FCBKUS66) and usually your postal address.

Some banks also ask for the bank’s address. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive for the full amount. Intermediary banks may deduct a fee, First Commercial Bank may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. On invoices, it is common to state how the fees are split.