Other Services


First Federal has an ATM located in the first drive-thru lane and is open 24/7.  Our ATM accepts any cards using the Accel Network, PLUS Systems, American Express, VISA, MasterCard, Maestro, Cirrus, and Discover card networks.  First Federal's ATM card allows you to withdraw, deposit*, or transfer funds anytime of the day.  First Federal's Debit card also acts as an ATM card by using your pin number.  First Federal's cards have access to the Accel® Network, PLUS, and Maestro networks.  

*ATM Deposits may not be available for immediate withdrawal

Automatic Transfers 

Save time and set up Automatic Fund Transfers to various bank accounts.  Your money can automatically be set up to transfer to any First Federal Checking, Savings, Christmas Club, or Loan Account.  Once your transfers are set up, they'll take place automatically, every week, every month or whichever schedule you would prefer.  For most convenience, go to your online banking account and set up your automatic transfers.  It will help you save!

Bank by Mail

First Federal will accept your deposit or loan payment by mail.  Your transaction will be handled promptly, and a receipt will be mailed back to you upon your request. 

Change of Address

Please keep us informed of any change in your address or phone numbers.

To ensure the security of your personal information, your signature is required to change your address.  Simply print and complete all the applicable information including the name and signatures of other household members affected by the address change.  Just drop off the signed Address Change Request Form at our office, mail it to us at the address on the top of the form, or fax it to us at (419) 238-6485.  


Coin Counting

We offer free coin counting service for our customers to assist you with your savings!

Coins for Sale

Do you collect coins?  Check out our coins for sale in the display case in our lobby.  We may have what you are looking for!  Ask us for any assistance.

Drive-Thru Banking

First Federal offers convenient drive-thru banking.  The night depository and ATM is located in the first drive-thru lane, and drive-thru hours are extended beyond the regular lobby hours.

Money Orders/Cashier's Checks

Cashier's Checks or Money Orders are available at our office for a small fee.  Cashier's Checks are usually accepted just like a certified check with much less cost to you!

Night Depository

Night depository service is available at First Federal.   If you need to bank with us after business hours, just drop your transaction in our night deposit box in our first drive-thru lane, and we will process it the next business day for you.

Overdraft Transfer Protection


You can choose to link a savings account to your First Federal checking account for Overdraft Transfer Protection. 

  • If you write a check, authorize a payment or take a cash withdrawal when there are not enough funds in your checking account, funds may be transferred from your identified savings account to cover the amount.
  • 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 the applicable fees for the transfer to occur.  Transfers can occur by specific amount or multiples of $100. 
  • For each day on which a transfer occurs, a transfer fee of $5.00 will be charged to each checking account that received a transfer from the linked savings account. 


No charge to sign up.  No annual feeSave Money – Helps to avoid paying fees for checking account overdrafts.  Helps avoid fees from creditors or merchants such as returned check fees or late fees.  Peace of Mind – Mistakes can happen, but with Overdraft Transfer Protection, you can help ensure your checking account is covered.


Just stop in to our First Federal office to complete an Overdraft Transfer Authorization Form.

Reorder Checks

First Federal has partnered with Main Street Checks to offer reordering of checks online.  Check reorders will be sent to the mailing address on your account and a charge for the order will appear on your account.  Checks may not be able to be reordered online in some situations.  Please stop in to our office if there are changes to your check order, such as a name or change of address, or if this is the first time ordering checks with First Federal using this vendor.  Click below to reorder.

 Reorder Checks Button

Safe Deposit

First Federal offers Safe Deposit Boxes for your convenience. With various sizes available, your valuables and important documents are secure in one of our Safe Deposit Boxes.  The deposit fee is due when opened and billed annually thereafter through automatic debit from a First Federal account.*

*Safe Deposit box contents are not FDIC insured.

Savings Bond Redemptions

Come in to our First Federal office to redeem your savings bonds.  We will be happy to assist you with your financial needs.*

*Buying U.S. Savings Bonds?  After December 31, 2011, you need to purchase electronic bonds online through TreasuryDirect instead of buying at a financial institution or via mail order.  Sign up for an account today at www.treasurydirect.gov.

Wire Transfers

For First Federal customers, domestic wire transfers are available upon request if you need to transfer money quickly!