You can make any transaction by using the  transfer code. Dial *822# to make an authorised online transaction without any network connection or need to visit the bank.

Also: List of FCMB USSD Code And Transfer Code

Here is the list of   codes.

List of   Codes

Options
Start *822#
Transfer (To Sterling Bank) *822*Amount*Account Number#
Transfer (Other Banks) *822*Amount*Account Number#
Airtime (Self) *822*AMOUNT#
Airtime (Others) *822*AMOUNT*Phone Number#
Check Balance *822*6#
BVN *565*0#
Pay Bills *822*BillerCode*UniqueCode*Amount#
Block & Manage Card *822*19#
Cardless Withdrawal *822*42#
Reset PIN *822#, select Pin Reset
Check Your Account Number *822*8#
Account Opening *822*7#
Pay Merchant *822*28*AMOUNT*MERCHANTCODE#
Coral Pay Merchant *822*000*RefNo#
MCash Merchants *822*22*Sellercode*Amount#
LCC Toll Payments *822*15#

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