First City Monument Bank (FCMB) has rolled out a new wave of upgrades for its mobile banking app, positioning the platform as more than a tool for routine transactions. The highlight is a reward points system designed to convert everyday spending and transfers into benefits customers can use, while additional features—including lifestyle subscriptions, direct mutual fund access, and faster customer support—aim to deepen engagement with the bank’s digital ecosystem.
Reward points and lifestyle perks at the core of the update
FCMB’s latest app enhancements are anchored by a Reward Points feature that lets customers earn and redeem points on qualifying transactions conducted through the mobile platform. The bank said the more customers use the app, the greater the value they can unlock, linking day-to-day banking activity to tangible rewards.
Alongside the rewards program, the update introduces a Regal Premium Lifestyle Subscription. Through this subscription, users receive access to curated lifestyle benefits spanning travel, dining, and entertainment. For customers who are new to the bank, FCMB also added a three-month free transfer offer.
Broader financial tools: mutual funds, upgrades, and instant cards
The bank also used the software update to expand the range of financial services available within the app. Customers can now access mutual fund investments directly through the platform, allowing them to work toward growing wealth without relying on separate channels.
FCMB further said it is supporting financial inclusion by making account upgrades simpler. It has streamlined the process for moving from Tier 1 to Tier 2, enabling customers to access enhanced banking services without needing to visit a branch.
For day-to-day convenience and online security, the app now supports instant virtual card request and activation. FCMB said this ensures customers can create and begin using secure digital cards immediately for online transactions.
Faster support and the bank’s technology push
To improve the customer experience, the upgrade includes “Chat with Temi,” an intelligent in-app support feature intended to provide instant assistance and speed up the resolution of customer issues.
FCMB also framed the package as part of a wider technology-driven transformation. In comments on the rollout, Oladipo Alabede, Divisional Head for Payments and Solutions, said the bank is continuously innovating to respond to changing customer needs. He added that the new features are meant to deliver convenience, encourage loyalty through rewards, and help customers do more with their finances directly from their mobile devices.
Adetunji Lamidi, Divisional Head for Personal Banking, described the upgrades as reflecting FCMB’s strategy to build a smarter, more intuitive banking platform. He said the integration of intelligent support such as Temi and the introduction of instant capabilities like virtual card activation are intended to redefine convenience and accessibility in banking.
What customers need to do next
- Customers can update or download the FCMB Mobile App from their app store to access the new features.
- The upgrade is positioned as a “one-stop” digital banking experience designed to be seamless, rewarding, and geared toward future needs.
