Making a difference is important to us at First Federal. We're partners with every customer, investing into the communities we serve. Our focus is on serving, and our banking products are designed to meet your real day-to-day financial needs. And with every First Federal personal checking account, you'll enjoy free Online Banking and Bill Pay, our easy-to-balance monthly statement and a no-fee Visa® Debit Card (subject to approval). Ask any First Federal representative for details.
First Federal provides several options for overdraft protection
Our standard overdraft practices come with your account and allow us to authorize and pay overdrafts for the following types of transactions: checks and automatic bill payments. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practice.
Finally, you can have First Federal authorize and pay at our descretion on overdrafts, ATM and eveyday debit card transactions. If you are interested in this service, click here for more info. Questions? Click here for FAQ. For tips on avoiding overdraft fees click here.
See all your savings activities on a single monthly statement or, even better, combined with your monthly checking statement. Ask for this convenient combination.
Earn competitive interest with the convenience of check writing and in-person withdrawals. Some withdrawal restrictions apply. You may check current interest rates here.
First Federal offers Certificates of Deposit with varying terms and fixed or variable rates. Ask about the options to fit your individual needs. Some withdrawal restrictions apply. You may check current interest rates here.
Good savings habits start early with First Federal’s Kids Savings Club Account. Collect your allowance, birthday and holiday gift money in your piggy bank and bring it to First Federal. Then watch your savings grow. $1 minimum opening balance.
Arrange for automatic deposits to be placed into your Holiday Club Account, and you’ll be ready for holiday shopping. You’ll receive your funds in November, just in time for holiday shopping.. Happy Holidays!
Plan for wellness, health care and medical emergencies with a First Federal Health Savings Account. Our HSA lets you save for health expenses and grow unused funds for retirement. Call today and talk with us about a Health Savings Account. Visit our online HSA Service Center .
First Federal provides both Traditional and Roth IRA plans to maximize retirement savings. Earnings may grow tax-deferred and may be deductible from current income, depending on the plan you choose. We can put together plans with flexible distribution options as well as great options for accumulating IRA funds before you invest in higher yield term IRA certificates, transfer to another IRA, or as you anticipate mandatory annual IRA distributions. Consult your tax advisor and talk with us about options and details. Visit our online Retirement Central website for more account details.
Coverdell Education Savings Accounts (ESA) were created to provide qualified investors with a flexible, tax-advantaged option for saving for qualified expenses associated with elementary, secondary or higher education. Funds contributed are considered a gift to the designated beneficiary. Assets grow tax-free and may be distributed free of penalty or federal income tax liability for qualified educational expenses such as tuition, fees, books, supplies (including computers), and, in certain circumstances, room and board. Assets can be rolled from the account of one beneficiary to an ESA of a qualified family member. Consult your tax advisor and ask a First Federal representative for details.
Access your First Federal accounts by phone 24 hours a day, every day of the year. Transfer funds between accounts, check on balances or cleared checks, make regular loan payments, check loan balances and more.
You’re in control 24 hours a day, 7 days a week with First Federal’s secure Online Banking and Bill Pay. Transfer funds between First Federal accounts, schedule bill payments, verify transactions and balances. And you can do it all whenever you want, from anywhere you have Internet access.
Taking care of banking on the go has never been easier. First Federal's convenient mobile app makes it a breeze with easy-to-use interfaces and clear navigation. Download our app on your iPhone or Android phone today!
First Federal is pleased to introduce a better way to organize your finances -FinanceWorks powered by Quicken. This great tool allows you to:
Manage your finances in one place
Ensure your bills are paid on time
See where you're spending your money
Know how much money you really have to spend
FinanceWorks is available now for our online banking customers. Along with all of its great features, it's easy to use! Please take a few minutes to review this information regarding FinanceWorks
Ensure that you’re saving for the future with a First Federal automatic monthly transfer from your First Federal checking account to statement savings, nine month variable rate CD or VIP IRA account.
First Federal is your banking partner, working with you to make your financial life easier and more convenient. In your life and in the communities where we all live and work, we’re making a difference. Together.
You get it all with the First Federal Visa Debit Card. – Convenience • Security • Rewards
Making it as easy as possible to manage your money is a top priority at First Federal. That’s why we offer you the First Federal Visa Debit Card with no monthly or annual fee, no First Federal ATM fees, plus the opportunity to earn cash back from your favorite retailers.
Carry the First Federal Visa Debit Card and enjoy:
Activating your card / Changing your PIN
First Federal’s enhanced card service! This is a 24 x 7 toll free system, which allows customers to activate their new, reissued or replacement cards. Just by calling 1-800-567-3451 Cardholders will now have the added convenience of the following services available:
It’s great to know you’re never far from money-saving MoneyPass® ATMs. They’re easy to find with our ATM Locator – at ourfirstfed.com/locations or moneypass.com.
Wherever you live, work or travel, the MoneyPass® ATM network gives you more convenient choices for accessing your accounts – and all are surcharge-free! Just look for the MoneyPass® logo and use your First Federal ATM or debit card. Don’t have a card? Apply for one today at your local branch, and start saving at thousands of locations nationwide!
International Debit Card Alerts - Play it safe and enjoy your trip!!
Due to increases in fraudulent debit card transactions from foreign countries, First Federal must place restrictions on the use of our debit cards outside of the United States. If you are planning to travel abroad and wish to use your debit card, please contact your local branch or our Customer Service Department at 360-417-3204 to have your card activated for foreign transactions during your travel dates.
You may also log in to Internet Banking and under the Secure Forms tab choose the International Debit Card Transactions link.
Lost or Stolen Debit Cards
Contact Customer Service immediately at 360-417-3204 or 800-800-1577 during business hours to report a lost or stolen card and request a new card. After hours please call 1-800-554-8969.
You can visit any branch location to request a temporary instant issue card to access your account until you receive your permanent card in the mail.
Debit Card Awareness Program
First Federal has a monitoring system for ATM and debit card transactions. This program can identify potentially fraudulent activity and will contact you to proactively stop the fraudulent activity. Potential fraud is triggered by many different activities such as a change of locale, change in patterns, purchases at high risk businesses or industries.
You will be contacted initially with an automated phone call and will be asked to verify recent transaction activity. To contact the monitoring system after you have been notified of potentially fraudulent transactions, call 1-800-262-2024. Or you can reach First Federal's Customer Service center at 360-417-3204 during business hours.
Personal Debit Cards: To change your PIN you may visit any branch of First Federal to have your PIN number changed. If you know your current PIN and just want to change it you may use any First Federal ATM machine.
ATM’s and Check Images will be unavailable March 6th from 8:00 pm to 11:30 pm PST.