Frequently Asked Questions

What Internet Banking services are available at First Federal Savings Bank?
First Federal Savings Bank offers Online Banking, Business 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.
• Business Online Banking provides the same services as Online Banking plus additional business cash management services including online transmission of ACH files, wire transfers, and more. Fees may apply when using Business Online Banking services.
• Online Bill Pay allows customers to pay bills online from a designated First Federal Savings Bank 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 Savings Bank. You will need a personal computer and access to the internet, and a compatible browser such as Netscape Navigator or Internet Explorer, with 128 bit encryption.

What do I do to get started with Online Banking?
On the First Federal Savings Bank Home page, you need to select “First Time User”, or from an Online Banking page, select “Enroll Now”. You will be directed to our Online Banking Application to complete. Once you complete the application and click submit, you will be required to read through and agree to the terms and conditions included in our Internet Banking Agreement. You will then be given instructions to establish an Access ID and Password. You will receive a welcome letter from us within two weeks after enrollment.

What are the guidelines for establishing an Access ID and Password?
Your Access ID must be at least 8 characters and no more than 17 characters long. Your Access ID may include numbers, letters, and special characters (such as $, #, &, @). Your Access ID is case sensitive. Once an Access ID is created, it cannot be changed.

Your Password must be at least 8 characters and no more than 17 characters long, and must include at least 2 numbers and 2 letters. Your Password may include numbers, letters, and special characters (such as $, #, &, @). Your Password is case sensitive. We encourage you to choose a password that would not be easily guessed by others, and that includes a combination of uppercase, lowercase, letters, numbers, and/or special characters. 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.

How do I change my password?
To change the password associated with your Access ID, complete the following once logged into your account: (1) Select “Change Password” from the Options menu (2) Enter the “Current Password” (3) Enter the “New Password” (4) Enter new password in “Confirm New Password” (5) Click the “Submit” button.

Why do I need to Set Security Data?
The Security Data helps ensure your information is secure by protecting you from fraud and identity theft in two ways. First an Image and Pass Phrase helps you recognize that you’re at the valid First Federal Online Banking site, rather than a fraudulent look-alike site. Secondly, if we do not recognize your computer, we will ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.

What is the cost of Online Banking?
Our Online Banking service is free. If you sign up for our Business Online Banking or Online Bill Pay services, certain fees may apply. Please contact the nearest branch location or contact our customer service department at (877)488-8400 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 (877)488-8400 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.

If I transfer funds, when will the transfer be processed?
If you initiate a transfer on any business day by 5:00 p.m. CST, the transfer will take place on that day. Any transfer made after 5:00 p.m. CST or on a weekend or holiday will be processed on the next business day.

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 Savings Bank 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 10 minutes of inactivity, your session will automatically end. This is done for security purposes.

What happens if I don’t sign on to Online Banking for an extended period of time?
Your Online Banking account will be disabled if you do not log in for at least 180 days. This is done for security purposes. If you have not accessed your account for more than 180 days, you are considered a new user and must complete the “First Time User” process. Please contact your nearest branch location or call our customer service department at (877)488-8400 with any questions regarding this.

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 (877)488-8400 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.