What Internet Banking services are available at First Federal?
First Federal offers Online Banking and Online Bill Pay.

• Online Banking is a free service available to our personal and small business customers that allows you to check your deposit and loan account balances, transfer funds between accounts, make loan and line of credit payments and advances, and view a detailed history of your account transactions.
• Online Bill Pay allows customers to pay bills online from a designated First Federal checking account.  Fees may apply when using the Online Bill Pay service.

What do I need to access Online Banking?
To use Online Banking, you must have at least one deposit or loan account with First Federal.  You will need a personal computer and access to the internet, and a compatible browser such as Netscape Navigator 4.7 or higher or Internet Explorer 5.0 or higher, with 128 bit encryption.
 
What do I do to get started with Online Banking?
 
On the First Federal Home page, select “First Time User”, or from an Online Banking page, select “Enrollment Form”.  You will be directed to our Online Banking Enrollment Form.  Complete the form and mail or deliver it to the nearest branch location.  You will then be given instructions for establishing your Access ID and Password.
 
What are the guidelines for establishing an Access ID and Password?
Your initial Access ID and Password will be assigned to you by the bank.  You will be prompted to change your Password after you have logged in the first time.  You may change your Access ID by selecting “Option” on an Online Banking page.
 
We recommend that you change your Password periodically.  It is important that you memorize your Access ID and Password.  It is not recommended that you save your password in your computer.
 
What is the cost of Online Banking?
Our Online Banking service is free.  If you sign up for our Online Bill Pay services, certain fees may apply.  Please contact the nearest branch location or contact our customer service department at (888)751-5120 for details of these fees.
 
What types of accounts can I view with Online Banking?
You may access information relating to any checking, savings, certificate of deposit, loan, or line of credit accounts.  You must be listed as an owner to gain access to an account.
 
All of my accounts do not show up when I log in.  What do I do?
Only accounts for which you are an owner are available for your access.  If you feel an account is missing when you log in, please contact your nearest branch location or our customer service department at (888)751-5120 during normal business hours.
 
How current is the information obtained from Online Banking?
Balances shown online are as of the close of business for the prior business day, adjusted for any known current business day transactions.  Balances may include deposits subject to verification by us.  The balance you see online may differ from your records due to pending deposits, outstanding checks, or other pending withdrawals, payments or charges.
 
What types of accounts can I transfer funds between?
You can transfer funds between any checking, savings, or money market account.  You may also transfer funds to make a loan or line of credit payment, and initiate an advance from a line of credit.  Funds will only be transferred if they are available at the time you initiate the transfer.
 
If I transfer funds, when will the transfer be processed?
If you initiate a transfer on any business day by 7:00 p.m. CST, the transfer will take place on that day.  Any transfer made after 7:00 p.m. CST or on a weekend or holiday will be processed on the next business day.  A scheduled transfer will take place the day that you requested the transfer to be made.  Funds will only be transferred if they are available at the time you initiate the transfer, or on the date that an automatic transfer is scheduled.
 
Are there limits on the number of transfers I can make?
There are no limits on the number or dollar amount of transfers or payments you make from your checking account.  However, Federal Regulations state that you may not make more than six (6) preauthorized transfers from your savings or money market account during a given monthly statement period. 
 
Can I transfer money to another person’s account or to an account at another bank?
You may only transfer funds between accounts at First Federal for which you are an owner.  Funds cannot be transferred to another financial institution using the Online Banking transfer feature.
 
What happens if I forget to log off from my Online Banking session?
After a period of inactivity, your session will automatically end.  This is done for security purposes.
 
What happens if I forget my Access ID or my Password or they don’t seem to work?
You will need to contact our customer service department during normal business hours at (888)751-5120 to get your access ID and/or reset your Password.
 
Can I download information to my financial management software?
Yes, you can download your account information to some of the leading personal financial management software programs.
 
What can I do to keep my accounts safe when accessing them online?
We understand that conducting your banking in a safe and secure environment is essential.  Please read our Security Statement, Online Security Tips, and Identity Theft pages for valuable information and resources about online security, and guidance to help you protect your information.