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Lost or Stolen Visa® Check Card

To report a lost or stolen Visa Check 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

You will enjoy the convenience of using your Visa® Check Card at the ATM or when you shop wherever Visa® is accepted.

  • With the Visa® Check Card, every purchase is as simple as using a credit card.
  • You will save money in check printing charges and and you will also save valuable resources by paying with your Visa® Check Card instead of a check.
  • Use your Visa® Check Card to access your deposit accounts for personal, family or household purposes. This does not include a trust or business account.
  • The date, location and amount of each of your transactions will appear on your account statement.

When you receive your Visa® Check Card, you will be assigned a personal identifiction number (PIN). It is added security against someone else making a transaction without your consent. In addition, as an added safeguard, we provide a cap on your liability if your card is lost or stolen.

Are you ready to apply for your Visa® Check Card? Visit your nearest Branch Office today, or contact us for assistance.

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

Bounce Protection is a special overdraft privilege for checking. When unexpected expenses or problems leave you short of money in your checking account, Bounce Protection can be your safety net.

  • Bounce protection is a discretionary overdraft service that requires no action on your part.
  • It provides an automatically assigned overdraft limit for checks, transactions made using your checking account number, automatic bill payment, and recurring debit card payment.
  • To extend overdraft protection to ATM transactions and debit card purchases, you must contact us to opt-in.
  • The dollar amount of your Bounce Protection limit is based on the type of checking account you have.
Bounce ProtectionProtection Limit
Student Checking $100
Free Checking $300
Go Green Checking $500
Regular Checking $500
Homeowners Checking $500
Premier Checking $1,000
  • There is no cost for Bounce Protection unless you use it. You will be charged our NSF fee of $30 for each overdrawn item.
  • If you do not want Bounce Protection, please call 800-422-3372 to have this service removed from your account.
Schedule of Fees

Effective January 1, 2016

Schedule of Fees  Fee
Bill Pay Online Banking Service Free
Optional Overnight Online Bill Payment $9.95
Optional Next Day Online Bill Payment  $14.95
Bounce Protection Per Item $30.00
Business Checking Account Monthly Maintenance $10.00
Business Nonsufficient Funds (NSF) Deposit Fee Per Item $30.00
Cashier's Checks / Money Orders Per item $5.00
Check Cashing Fee
This fee is assessed only if the balance in your deposit account is less than the check amount.
Personal Checks $10.00
All Other Checks $5.00
Check Copies Per Item $3.00
Debit/ATM Card Replacement Per Item $5.00
Incoming Domestic or International Wire Fee $10.00
Outgoing Domestic (only) Wire Fee $20.00
Check Printing
Line of Credit
(Checking) If you qualify
Per Month $2.50
Standard transaction fee for any dollar amount $0.50
Next day transaction fee for any dollar amount $0.75
Research Time Per Hour $30.00
NSF Fee – Returned Item
Applies to overdrafts created by a check or other withdrawals.
Per Item $30.00
Statement Copies Per Page $1.00
Stop Payment (ACH & Check) Per Request $30.00
Inactive/Dormant Charge
Three (3) years of inactivity for savings, Six (6) months inactivity for checking, balance less than $200.00
Per year $60.00
Statement Savings  
     Monthly maintenance fee - Waived if you maintain a daily balance of $150 or more, or are a minor under age
    18, or are age 55 or older.
Money Market Savings  
     Monthly maintenance fee - Waived if you maintain a daily balance of $2,500 or more.
Regular Checking  
Monthly maintenance fee
Waived if you maintain a daily balance of $200 or more or are age 55 or older.
Homeowner Checking  

Monthly maintenance fee
Waived for First Federal's primary mortgage holders.

Premier Checking  
Monthly maintenance fee
Waived if the combined balance in your First Federal deposit accounts is $5,000 or over.
Lock Box Annual Fee  
3x5 $45.00
5x5 $50.00
3x10 $55.00
5x10 $75.00
10x10 $125.00
Key Replacement
while you still have the box
Drilling Fee $200.00

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