Convenience is banking from anywhere at anytime - 24 hours a day, seven days a week. First Federal's Online Banking system provides this 24 hour access, by viewing account balances and activity, making a loan payment, transferring money between your First Federal accounts, and viewing account history. It's FREE, and a TIME SAVER!
You'll save money and your valuable time. Use it for paying your bills, keeping track of expenses and receiving your eStatements.
Your information and transactions are securely protected. First Federal's Online Banking has several layers of security, including multi-factor authentication - providing added security by requiring multiple forms of identification. Once we validate your enrollment information, we will mail your access information using the postal system. Your Access ID and Password are the first line of defense, and are your unique identifier, needing both to complete your initial logon and begin banking online! Once online, your transactions and personal information are secured by encryption.
HOW DO I SIGN UP?
First Federal continually improves its mobile banking design with intuitive and easy navigation, touch optimized screens and controls, remember me login, and more! At home, at work and during travels, your banking is within hands reach. You can get balance and history information at any time of the day, transfer funds between your First Federal accounts, or make a regular loan payment. Access your accounts anywhere you are and perform convenient transactions, pay bills, person-to-person payments, or receive text and email alerts, all from your smartphone or tablet device.
Rest assured, First Fed Mobile is safe to use! Smartphones such as iPhones, Android and Blackberry have a very controlled and secure operating system. Just like Online Banking, Mobile Banking uses secured encryption and strong Firewalls – which protects from unauthorized or malicious intrusion, and uses your Username & Password for access. Your account will lock down after 3 incorrect attempts from your mobile device - just like online banking. Also, First Fed Mobile uses additional Security Q&A authentication for ongoing access to your account.
Nobody wants their phone lost or stolen, but in the rare case that it does, you should know that your mobile banking access is secured.
No personal info from your Mobile Banking account is ever stored on the phone. Your password is never stored. Your login session automatically times out after 20 minutes of inactivity.
Access to a phone or a tablet can be prevented (suspended) if the device is reported as lost or stolen. Access can be un-suspended to restore mobile services, or the phone or tablet can be de-registered permanently.
HOW DO I SIGN UP?
It’s really easy to get First Fed Mobile Banking - you just need a smartphone (iOS, Android, BlackBerry), a web-enabled device (mobile browser), or standard mobile device with text capabilities.* You must first be enrolled with First Federal's Online Banking product to have access to Mobile Banking. You can then enroll via Online Banking or simply find our app in your device app store or Google Play (search for First Federal Van Wert). To later access your mobile banking selections, click on "Options" within Online Banking, go to your Mobile Banking Profile, and select "Manage Devices". To receive any text or email alerts, click on the eAlerts button within online banking (eAlerts can not be set up from First Fed Mobile). If you need assistance, call us at (419) 238-1463.
*Messaging and Data Rates May Apply. Check with your mobile phone carrier for details.
CONVENIENT FEATURES THAT SIMPLIFY MONEY MANAGEMENT
- See when a check has gone stale - you will receive notifications when checks have not been cashed by the recipient.
- Enhanced AutoPay Management
- A great display of payees
- Information about withdrawal dates, delivery status, and delivery dates
- Ability to review the send method - such as electronic, check or Popmoney®
- Allow multiple payments from different accounts with ease
- Includes Feature Ribbon links located on each payee row of the Payment Center:
- Activity, Reminders, AutoPay, and eBills
- Popmoney® features with great choices for paying bills and friends
- Pay a bill taking a picture of it - You will be able to take a photo of a bill, review its details, and pay it.
- Add contacts and billers - Sending and receiving money is easy importing contacts from your mobile phone.
- Review pending activity - To confirm a payment has been scheduled, review your pending payments at the touch of a button.
Pay your bills online during the times that are most convenient for you. First Fed Bill Pay is a quick and secure way to schedule electronic transfer of funds from your First Federal Checking account any time - day or night. Save time with fewer trips to the post office, and save money with no envelope, postage cost, and check costs. You can choose to establish your bills to be scheduled to be paid at a later date, or set up recurring payments automatically. Call (800) 877-8021 for Online Bill Pay assistance in paying your bills anytime 7:00 am until 1:00 am EST.
HOW DO I SIGN UP?
To access First Fed Bill Pay, you'll first need an online banking account. After logging in to your online banking account, click on the First Fed Bill Pay option and follow the sign up process. After you are signed up, you will also have access through your mobile device.
HOW DO I SEND PERSON-TO-PERSON PAYMENTS?
Popmoney can be used! Experience a new way to send money. Bill pay and Popmoney® features are integrated together. First Federal offers Popmoney®, the personal payment service that lets you send money to friends, family or anyone at all such as your landlord, your cousin, or your co-worker. They can simply receive the money into their bank account online. You can now even use it to request money, and allows you to initiate a request for money to split a bill! It's the new way to pay and get paid! All you need is their name and email address or mobile number to move money from your bank account directly to someone else's. Your account information will not be shared. The recipient will only see your first name, last name, and the message you wrote for the payment.
The following are just a few of the convenient ways that you can use Popmoney:
- Send money to your child at college
- Send a gift to family and friends
- Reimburse friends for that fun outing
- Pay your babysitter or your lawn care service
- Pay your shared phone bill to a family member
- Splitting an Expense feature allows you to initiate a request to split a bill by entering who, how much, why, and deposit info
- Quickly claim incoming person to person payments from friends without leaving Bill Pay
- Turn on Auto-Deposit - you never have to worry about remembering to claim personal payments. The funds are automatically deposited into your accounts
- Manage Recurring Payments - now you can schedule recurring person to person payments so it's easier than ever to send money
Just sign in to online banking, select bill pay and register for Popmoney. You will also have access through your mobile device.
* A fee may be charged for each Popmoney transaction only and expedited delivery methods. Fees for the transaction are displayed below the amount field prior to sending.
HOW IT WORKS
As an online customer with eStatements, you can view your bank statements in just seconds with the click of a mouse wherever and whenever you would like. Our Electronic Statements include the same information as paper statements, without the clutter. It's simple! You are notified by email when your statements are ready to view online. Just sign onto our secure online banking web site. No need to deal with paper based statements.
HOW DO I SIGN UP?
Go Green! Sign up through your First Federal Online Banking account, then click on eStatements to register today. Not a current online banking customer? Just click on First Time User in our Online Banking login box on our homepage. If you need assistance, call us at (419) 238-1463 or contact us on our website with any questions.
WHAT YOU NEED TO KNOW
First Federal is online (real-time) with ATM and debit card transactions, which means that these transaction amounts are immediately deducted from the available balance on your account. Real-time helps you manage your balance, and we can better accommodate our customers when accounts are inadvertently overdrawn. We want our customers to avoid the hassle, costs, and other adverse consequences of having a check bounce or a transaction denied.
In following Federal Reserve rules that give debit and ATM card users options regarding overdrafts, we must offer you the ability to make decisions about overdrafts for transactions made with your debit or ATM cards.
We have available a separate notice, "What You Need to Know about Overdrafts and Overdraft Fees" and Opt-In Authorization Form which is your explanation about how we treat overdrafts. Here are some general key facts that you need to consider about overdrafts.
HOW DO OVERDRAFTS AND BOUNCED CHECKS HAPPEN?
An overdraft occurs when you write a check, use your debit card to make a purchase, withdrawal money from an ATM, or make an automatic bill payment or other electronic payment but don't have enough money in your checking account to pay for it. If the item is paid by the bank even though you don't have the money in your account, you may be charged an "overdraft" fee. If your check is returned without paying it, you may be charged a "bounced check," or "nonsufficient funds," fee. These fees can apply each time you overdraw your account. In addition, when a check bounces, you usually have to pay a "returned-check" fee to the person receiving the check back, plus resolve the issue and make a second payment. This is in addition to the bank fees. There are ways to help avoid these errors.
HOW CAN YOU AVOID OVERDRAFT AND BOUNCED-CHECK FEES?
Manage your account so you don't overdraw it. Only you know how much money is available in your deposit account and what payments have been initiated – whether by check, ATM transaction, debit card or regularly scheduled electronic payments.
- Keep track of how much money you have in your checking account by keeping your check register up-to-date. Record all your transactions, subtract fees, and review your account statements each month.
- Pay special attention to your electronic transactions. The convenience offered by today's banking system and the speed of payments brings more chances to lose track of your current balance. Sometimes there are two or more people in a family conducting transactions on the same account.
- Don't forget about automatic bill payments you may have set up for utilities, insurance, or loan payments.
- Knowing your balance and what transactions have been authorized but are not yet reflected in that balance are very important to avoiding overdrafts. Even if you don't always keep an up-to-date record of your transactions and balance, it is easy to check by phone, ATM, accessing online banking, or setting up eAlerts to receive low balance email notifications.
- Carry a Cushion - Making sure you have more money in your account than you will spend is the best way to avoid overdrafts.
- Sometimes mistakes happen. If you overdraw your account, deposit money into the account as soon as possible to cover the overdraft amount plus any fees to avoid additional overdrafts and fees.
YOUR OVERDRAFT PROTECTION MEASURES
You choose. We must first get your permission to apply our standard overdraft practices to everyday debit card* and ATM transactions before you can be charged overdraft fees. To grant this permission, you will need to respond to the notice and opt in (agree).
|*everyday debit card transactions - purchases made with your debit card on a day-to-day basis (excludes all checks and automatic bill payments)|
Existing accounts. If you do not opt in (agree), our standard overdraft practices won't apply to your everyday debit card and ATM transactions. These transactions typically will be declined when you don't have enough money in your account, but you will not be charged overdraft fees. If the bank, at its option, covers an ATM or point-of-sale (POS) item when your account is overdrawn, under the rules the bank cannot charge you an overdraft fee if you do not opt-in.
Flexibility. Whatever your decision, these Federal Reserve mandated overdraft rules give you flexibility. If you opt in, you can cancel at any time. If you do not opt in, you can do so later.
Checks and automatic bill payments. The rules do not cover checks or automatic bill payments that you may have set up for paying bills such as your mortgage, rent, or utilities. We may still automatically enroll you in our standard overdraft practices for these types of transactions.
OPTING-IN FOR OVERDRAFT SERVICES
ATM and Point of Sale Debit Card Purchases
As a First Federal customer, you have a choice whether to opt-in to our overdraft program. By choosing to opt-in, the bank can cover your overdraft on point-of-sale (POS) or ATM transactions that exceed your account balance. However, you will pay an "overdraft" fee for each item. This choice is part of Federal regulations which provide certain protections for bank customers when their deposit account(s) are overdrawn.
Standard overdraft practices. We do authorize and pay overdrafts for checks and other transactions made using your checking account number, and automatic bill payments. We do not authorize and pay overdrafts for everyday debit card and ATM transactions unless you ask us to (opt-in). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We will charge you a fee of up to $25 each time we pay an overdraft. There will be no per item overdraft fee when your account is overdrawn by $5 or less at the end of our business day. If the account is overdrawn by more than $5 there will be a charge of $25 per item paid or returned, with a cap of no more than $100 per day in overdraft/nonsufficient charges.
|For example, if you opt-in, we can cover your transaction for a flat fee of $25 each time you overdraw your account. If you make a purchase with your debit card for $75 but only have $50 in your account, your account will be overdrawn by $25 and an overdraft fee will be charged. If you then make an ATM withdrawal for $50, your account will be overdrawn by $75 and you will be charged another fee. In this example, you will pay a total of $50 in fees.|
WHAT IF I WANT FIRST FEDERAL TO AUTHORIZE AND PAY OVERDRAFTS ON MY ATM AND EVERYDAY DEBIT CARD TRANSACTIONS (OPT-IN)?
Just complete the First Federal "What You Need to Know about Overdrafts and Overdraft Fees" Opt-In Authorization Form. It's simple and easy... and could save you time and money in the long run.
WHAT IF I WANT TO REVOKE MY AUTHORIZATION TO PAY OVERDRAFTS ON MY ATM AND EVERYDAY DEBIT CARD TRANSACTIONS?
Just complete the First Federal Revoke Opt-In Form.
WHAT IS ANOTHER WAY TO HELP COVER OVERDRAFTS AT FIRST FEDERAL?
Overdraft protection plan. We offer a link to your savings account to cover transactions when you overdraw your First Federal account for overdraft transfer protection. We charge a fee each time you overdraw your account, but this overdraft protection plan may be less expensive than our standard overdraft practices.
We will transfer the amount needed to cover your transaction (once per business day). You must have enough available in your linked savings account to cover the overdraft plus a $5.00 transfer fee for the transfer to occur. Transfers can occur by specific amount or multiples of $100. If you are interested in our overdraft transfer protection, just stop in to our First Federal office to complete an Overdraft Transfer Authorization Form.