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Online Security


Online Privacy and Security

First Federal Savings Bank is strongly committed to protecting the privacy of our customers' personal and account information. Ensuring that our customers have a secure online banking experience is our number one priority.

If an individual is just visiting us online, or utilizing any of our demos or financial calculators, we do not collect or capture any of their personal information. If they are a current customer, we use the information provided to validate their identity, establish their account, or provide the information they requested. We do gather data about our web site usage, such as number of hits, pages visited, and length of stay in order to evaluate the effectiveness of our site.
We do not market nor knowingly collect data from children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

First Federal Savings Bank has provided external web addresses solely as pointers to information that may be useful to users. First Federal Savings Bank does not endorse or accept responsibility for any such web site.
If an individual chooses to send us an email, we may retain the content of the email message, their email address, and our subsequent response. NOTICE: because there is a risk that information transmitted via internet email could fall into the wrong hands, we suggest that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, we ask that customers please contact our office directly at 574-223-2128 or 800-422-3372.

The privacy of the communications between the customer (their browser) and our servers is ensured using cryptography. Cryptography scrambles messages exchanged between the customer's browser and our online banking server. Encryption happens as follows: When a customer goes to the sign-on page for online banking, their browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between the customer's browser and our server. After the keys are exchanged, their browser will use the numbers to scramble (encrypt) the messages sent between their browser and our server. Both sides require the keys because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol not only ensures privacy, but also ensures that no other browser can "impersonate" the customer's browser, nor alter any of the information sent. The customer can tell whether their browser is in secure mode by looking for the secured lock symbol at the bottom of our browser window.

It is also important to verify that only authorized persons log into home banking. This is achieved by verifying customers' passwords. When a customer submits their password, it is compared with the password we have stored in our secure data center. We allow them to enter their password incorrectly 3 (three) times. If they enter their password incorrectly three times, their online banking account will be locked until they call us to reinitialize the account. Customers are advised to never use passwords that are easy to guess, and never reveal their password to another person.

We provide a number of additional security features in online banking. Online banking will automatically "timeout" after a specified period of inactivity in case a customer has left the PC unattended without logging out.

Should customers have any other questions about our policies, we ask that they please call us at 800-422-3372 or send us an email at

Website Policy Statement

First Federal Savings Bank
Rochester, Indiana

Date Approved by the Board – June 13, 2012

First Federal Savings Bank is strongly committed to maintaining the privacy of our customers' personal information. If an individual simply chooses to visit our web site, then at no time is any information collected or stored about that person. The following discloses our information gathering and dissemination practices for this site.

First Federal Savings Bank automatically collects and stores the following information about an individual when they send a request or inquiry over our web site:

  • The date and time the request or inquiry was received
  • The individual's Internet Protocol (IP) address, or the proxy address of their internet service provider
  • The content of the request or inquiry received
  • The content of any forms sent to our site

If an individual sends us email, we will not share that information with outside contacts unless it is necessary for us to do so in order to respond to the email or to carry out a request contained therein, or unless we are required to do so by law or court order.

Please remember that electronic mail is not necessarily secure. Persons should never supply sensitive information such as User ID or password via email. Customers are advised that if they question email supposedly sent by First Federal Savings Bank, they should contact us for assistance. First Federal will NEVER ask for confidential information via email.

First Federal Savings Bank sponsors this web site. Questions and comments regarding this site's contents, or concerns about how information customers may have provided us is used, should be directed to:

First Federal Savings Bank
P.O. Box 572
Rochester, IN 46975-0527

We may be reached via email at Customers may telephone us directly at 800-422-3372.