Instant Cash and Check® Card
The Instant Cash & Check Card works just like your checkbook only it’s faster, easier and more convenient than writing a check. Purchase amounts are automatically deducted from your checking account. The card also works as your ATM card. There is no charge for our Instant Cash and Check Card, and ATM transactions are free at First Federal ATM locations and many Instant Cash locations.

For lost or stolen Instant Cash/Instant Cash and Check cards, please contact our main office in Bemidji at (888)751-5120 or (218)751-5120. After hours, please contact Instant Cash Lost/Stolen Card Support at (800)535-8440 or (612)316-1484.

ATM Network
We will not charge an ATM transaction fee when you use an ATM within our Instant Cash network. Our network includes First Federal ATM locations, Wells Fargo Bank location machines, and most Instant Cash brand machines at other financial institutions. Use of an ATM outside of this network may result in a transaction fee from us and/or a surcharge from other machine owners. For a list of Instant Cash machine locations, visit www.instant-cash.com "ATM Locator".

Reorder Checks Online
Don’t have time to drop off your check reorder form at the bank? Go online to Deluxe, our check provider, and order your new checks online. For security reasons, you cannot change account information, such as mailing address, at this time.

Online Credit Card Services
You can access your credit card account 7 days a week, 24 hours a day, by logging in to our Credit Card Services website. View you account history or make a credit card payment online. To learn more about our Credit Card products, contact your nearest First Federal branch location.

Online Banking
Online Banking is simple, easy, and secure. See Online Banking for additional information.

Bill Pay
Discover just how easy it is to pay your monthly bills with Online Bill Pay! See Online Bill Pay for additional information.

First Bankline – 24 Hour Telephone Account Access
For 24-hour automated account information, call (800)749-9606 or (218)751-9606. First Bankline provides 24-hour service to:

• Transfer funds between deposit accounts
• Obtain balance information
• Verify transaction activity
• Get tax information on interest earned or paid

Other Services
For information about the following services, please contact your nearest First Federal branch location. Certain fees may apply.

• Combined checking and savings statements
• Automatic payments and transfers
• Payroll direct deposit
• Wire transfers
• Safe Deposit Boxes (subject to availability)
• Personal money orders, cashier’s checks, and traveler’s checks
• Notary and signature guarantees
• Night drop deposit services

Other Helpful Links
www.ftc.gov/idtheft
www.annualcreditreport.com
www.fdic.gov