Back to Top

Other Services


Lost or Stolen MasterCard Chip Card

To report a lost or stolen MasterCard Chip Card after hours, you may call 800-472-3272. Outside the United States, call collect: 973-656-2345. During regular business hours, call 800-422-3372 or email

ATM/Debit Card

EMVBuilt-in added security with the MasterCard EMV Chip Card.

First Federal Savings Bank features MasterCard’s EMV/Chip Card it offers our customers an enhanced level of security while keeping the same features they’ve come to know.

EMV Card:How does it work?

The EMV/Chip Card is a debit card that contains an embedded microchip  
and the traditional magnetic stripe.Your EMV/Chip card is usable at both enabled terminals and those that aren’t.

The chip generates a unique, one time code that is needed for your transaction to be approved. This makes it practically impossible to counterfeit the card, which gives you extra security when you make a purchase.


Contact information

Calling about my card


     When you receive your MasterCard, you must activate it by
     calling 1-800-992-3808 and following the instructions.

     During this call, you will set up a new PIN. It can be the same PIN
     you’ve used before.

     If you have questions, call First Federal Savings Bank
     at 1-800-422-3372.


Q: Are there any added fees?

A: Your MasterCard EMV/Chip card has no additional fees at US locations. The daily limits are $4,000 point of sale and $400.00 ATM cash withdrawal and a daily transaction limit of 20 transactions.

Q: How do I set up my new MasterCard EMV/Chip Card?

A: When you receive your MasterCard, you must activate it by calling 1-800-992-3808 and following the instructions.

During this call, you will set up a new PIN.


We hope this short list of questions helped you! If you still have questions, refer to this list of FAQs or call 1-800-422-3372.

Bank By Phone
Bank by Phone

Your money is at your fingertips day or night with a simple, confidential phone call to 800-488-1414 or 574-224-1414. Voice prompts will guide you through the call, step-by-step.

You may:

  • Transfer between Checking, Savings, and Loan accounts*
  • Report lost or stolen debit cards
  • Get account information on Checking, Savings, Money Market, CDs, Retirement, and Loan accounts:
    • Checking – Current and available balance, last 10 deposits, last 10 withdrawals, last 10 checks cleared
    • Savings – Current balance, last 10 deposits, last 10 withdrawals
    • Certificates of Deposit – Current balance, maturity date, interest rate, Annual Percentage Yield, interest information
    • Line of Credit – Principal balance, next payment date and amount, last payment date and amount, available credit, interest information
    • Installment Loan – Principal balance, payment amount, next payment date and amount, last payment date and amount, maturity date, interest information
    • Mortgage – Amount due, monthly payment, pending payment, next payment date and amount, last payment date and amount, principal balance, payoff information, property tax and interest information

How it works:

  • Know your 10-digit account number and the last four digits of the Social Security number of the primary account holder.
  • Remember your PIN, which you establish the first time you use the system.

*Federal regulation restricts the account holder’s ability to make no more than six pre-authorized, automatic, online, or telephonic transfers per month from a savings or money market account. The regulation does not limit the number of withdrawals made in person over –the-counter, through the mail, or through an ATM terminal. Deposit or other activity is not restricted.

Safe Deposit Boxes

Safe deposit boxes are available for rent in our Rochester branch only. For box sizes and availability, please contact our Rochester branch during regular business hours at 574-223-2128 or 800-422-3372.

Reorder Checks

Click here to reorder checks through our preferred check vendor, Main Street Checks.

Bounce Protection
Bounce Protection

When unexpected expenses or problems leave you short of money in your checking account Bounce Protection can be your safety net. Bounce Protection is an overdraft service that requires no action on your part. It automatically gives an overdraft limit for checks, automatic bill payments and recurring debit card charges.

You can extend your protection to include ATM and debit card transactions. There is no cost for this privilege until you use it, then standard non-sufficient fund fees will be applied for each item paid under the limit.

Schedule of Fees

Effective January 1, 2017


If you are interested in knowing the schedule of fees for your account, we hope you find this document of the Deposit Fees helpful.

Additional ATM Fees

Both ATM and debit cards are issued free to the customer. There is no cost to the customer to have an ATM or debit card assigned to their account(s). There will be no charge assessed to the customer as long as he/she uses his/her card at any of the First Federal Savings Bank-owned ATMs. However, First Federal will assess a fee for the following circumstances:

  • There will be a $5.00 replacement fee for lost or stolen cards.
  • There will be a $2.00 charge for use of a "foreign" or non-First Federal ATMs. First Federal's "Go Green" and Student checking account customers who use "foreign" or non-First Federal ATMs for cash withdrawals will receive a credit at the end of their statement period to cover these fees, up to a maximum reimbursement of $25.00.

First Federal may impose a fee on a consumer for initiating an electronic fund transfer or a balance inquiry only if:

  • The consumer is provided the disclosure notices described above; and
  • The consumer elects to continue the transaction or inquiry after receiving such notices as described above.
  • First Federal will charge a $3.00 fee to those customers who use a "foreign" or non-First Federal card at our ATMs.

Please contact us immediately should your ATM or debit card become lost or stolen or if you believe there has been unauthorized activity on your account. Phone: 800-422-3372 or 800-472-3272 or, if outside the United States, call collect: 973-656-2345 or e-mail us at