Home Finance How to upgrade FCMB Bank account easily (Online & Offline)

How to upgrade FCMB Bank account easily (Online & Offline)

Upgrading your bank account is an important step to take for improved banking services and access to a wider range of features. If you are an FCMB (First City Monument Bank) account holder and looking to upgrade your account, you’re in the right place! 

In this blog post, we will guide you on how to easily upgrade your FCMB bank account both online and offline. With the advancement of technology, upgrading your account has become a seamless process that can be done from the comfort of your home. So, whether you’re a tech-savvy individual or prefer traditional methods, we’ve got you covered. Let’s dive in!

How to Upgrade FCMB Bank Account Easily Online 

Upgrading your FCMB Bank account online is a simple and convenient process. Here are the steps to upgrade your account easily:

  1. Visit the FCMB Bank website: Start by accessing the official FCMB Bank website on your computer or mobile device.
  2. Log in to your account: Enter your login credentials, such as your username and password, to access your FCMB Bank account.
  3. Navigate to the account upgrade section: Look for the “Upgrade Account” option or a similar menu item within your account dashboard. Click on it to begin the upgrade process.
  4. Fill out the necessary information: Provide the required details, such as your personal information, contact details, and any additional information requested by the bank.
  5. Submit the upgrade request: Review all the information you’ve entered, ensuring its accuracy. Once you’re satisfied, submit the upgrade request.
  6. Wait for verification: The bank will review your upgrade request and may require additional documents or information for verification purposes. Be prepared to provide any requested documentation promptly.
  7. Confirmation and completion: Once your account upgrade request is approved and processed, you will receive a confirmation notification from FCMB Bank. You will then have access to the enhanced features and benefits of your upgraded account.
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Remember, upgrading your FCMB Bank account online saves time and offers the convenience of completing the process from anywhere at any time. So, take advantage of this seamless process to elevate your banking experience.

How to upgrade FCMB Bank account easily Offline  

If you prefer a more traditional approach, you can easily upgrade your FCMB Bank account offline as well. Here are the steps to do so:

  1. Visit your nearest FCMB branch: Locate the nearest FCMB branch to your location and make a visit.
  2. Approach a bank representative: Inform the bank representative that you would like to upgrade your account and they will guide you through the process.
  3. Provide the necessary documents: The bank representative will ask for certain documents for verification purposes. Make sure you have all the required documents ready, such as your identification proof, proof of address, and any other documents specified by the bank.
  4. Fill out the account upgrade form: The bank representative will provide you with an account upgrade form. Fill it out with accurate information.
  5. Submit the form and documents: Once you have filled out the form and gathered all the necessary documents, submit them to the bank representative.
  6. Wait for approval: The bank will review your application and documents. They may contact you for further verification or clarification if needed.
  7. Confirmation and completion: Once your account upgrade request is approved, you will receive a confirmation notification from FCMB Bank. You can then enjoy the enhanced features and benefits of your upgraded account.

Remember, upgrading your FCMB Bank account offline allows you to interact with bank representatives directly and seek assistance throughout the process. It’s a great option for those who prefer face-to-face interactions or may have difficulty accessing online platforms.

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Key Documents Required for Upgrading Your FCMB Account  

Upgrading your FCMB Bank account requires certain key documents for verification purposes. Here is a list of the documents you will need to provide when upgrading your account:

  1. Identification proof: This can be your national ID card, international passport, driver’s license, or any other valid government-issued identification document.
  2. Proof of address: You will need to provide a document that confirms your residential address, such as a utility bill (electricity, water, gas), a bank statement, or a tenancy agreement.
  3. Passport-sized photographs: Prepare a few passport-sized photographs that will be used for your account upgrade.
  4. Employment information: If you are employed, you may need to provide details such as your employer’s name, address, and contact information.
  5. Financial documents: The bank may ask for documents to confirm your income, such as pay stubs or bank statements.
  6. FCMB Account documents: Ensure you have your current FCMB Bank account details and any other related documents readily available.

Having these key documents ready will streamline the account upgrade process and help ensure a smooth transition to your enhanced FCMB Bank account.


How do I upgrade my FCMB bank?

To upgrade your FCMB account, you can follow these steps:

  1. Visit an FCMB branch.
  2. Fill out an account upgrade request form.
  3. Provide the required documentation, such as a copy of your valid ID and proof of income.
  4. Pay the applicable fees.

FCMB will review your request and let you know if your account has been upgraded.

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What is Tier 3 account in FCMB?

A Tier 3 account in FCMB is a type of savings account that offers some benefits, including:

  • Higher interest rates
  • Lower transaction fees
  • Access to exclusive products and services

To open a Tier 3 account in FCMB, you must meet the following requirements:

  • You must have a minimum balance of N100 million in your account.
  • You must have a good credit history.
  • You must maintain a regular source of income.

What is the new USSD code for FCMB?

The new USSD code for FCMB is *329#. You can use this code to perform a variety of transactions, including:

  • Checking your account balance
  • Transferring money to other bank accounts
  • Paying bills
  • Buying airtime and data
  • Withdrawing cash from ATMs

How do I activate my FCMB easy account?

To activate your FCMB Easy Account, you can follow these steps:

  1. Dial *329# on your phone.
  2. Select option 1 for “Account Opening”.
  3. Select option 2 for “FCMB Easy Account”.
  4. Follow the instructions on the screen to complete the activation process.

How can I upgrade my FCMB account online?

Currently, you cannot upgrade your FCMB account online. You must visit a branch to complete the account upgrade process.


In conclusion, upgrading your FCMB Bank account is a crucial step towards enhancing your banking experience. Whether you choose to upgrade online or offline, FCMB has made the process simple and convenient for its account holders. 

Regardless of the method you choose, make sure to have all the necessary documents ready for verification. Providing accurate and complete information will expedite the approval process and ensure a smooth transition to your upgraded account.

So, take the next step in improving your banking services and access a wider range of features by upgrading your FCMB Bank account today!

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