First City Monument Bank (FCMB) has introduced a set of new features on its mobile app, including an introduction of a reward points system that turns everyday transactions into tangible benefits for customers.

In a statement, the bank said it is shifting its focus from routine banking to value creation, giving customers a stronger reason to engage, transact, and stay within its digital ecosystem.

It added that the introduction of the Reward Points feature allows customers to earn and redeem points on transactions made in the app.

It stressed that beyond the rewards, the enhanced app introduces a Regal Premium Lifestyle Subscription that offers users access to curated lifestyle benefits across travel, dining, and entertainment, plus a three-month free transfer for new-to-bank customers.

It said that customers can now access mutual fund investments directly within the app, helping them grow wealth without multiple platforms.

“This feature reinforces FCMB’s commitment to empowering customers with accessible financial tools,” the statement added.

It stressed the app now includes “Chat with Temi”, an intelligent in-app support feature that delivers instant assistance, quicker issue resolution and to improve customer experience.

The bank’s Divisional Head, Payments and Solutions, Oladipo Alabede reaffirmed the firm’s commitment to improve customers’ experience.

“At FCMB, we are constantly innovating to meet the evolving needs of our customers. These features are designed to provide convenience, reward loyalty, and empower our customers to do more with their finances, right from their mobile devices,” he said.

He added that the bank has simplified account upgrades from Tier 1 to Tier 2, allowing customers to access enhanced banking services without visiting a branch.

“Additionally, the introduction of instant virtual card request and activation ensures customers can immediately create and use secure digital cards for online transactions,” he said.

The bank’s Divisional Head, Personal Banking, Adetunji Lamidi, emphasised the bank’s digital transformation journey.

“These upgrades reflect our technology-driven strategy to build a smarter, more intuitive banking platform. By integrating intelligent support systems like Temi and enabling instant services such as virtual card activation, we are redefining convenience and accessibility in banking,” he said.