Frequently Asked Questions

General FAQs

What is the bank's routing number?

First Federal Bank's routing number is 263184488.

Where is the closest branch?

Type in your address or use the map to find the closest branch or Allpoint ATM to you at https://www.ffbf.com/locator.

Do you offer telephone banking?

To use First Federal’s automated telephone system known as AIMEE, call 855-499-6843 and select option 2. This system provides 24 hour access to account information including

• Checking Information • Savings Information • Loan Information • Funds Transfers • Loan Payments • Change Password • Report lost or stolen card

How do I link my accounts to QuickBooks?

Sign into your QuickBooks account and follow the steps to linking your account. The QuickBooks customer service team should assist you with any questions. Their number is 866-561-3780.

Are there educational lessons for individuals with developmental disabilities and resources for family members and caregivers?

The Department of Financial Services created the My Money Program to provide educational lessons for individuals with developmental disabilities and important resources for family members and caregivers. The My Money Program not only makes financial education accessible, it also provides comprehensive information and resources to empower every Floridian with the knowledge to work towards financial independence. 

Accounts FAQs

How do I check my account activity or balance?

The fastest way to check your balance is through our mobile app. Simply login to your account to view all transactions and balance information. Additionally, if you’d like to receive a daily text alert with your balance, please give us a call to set it up.

Where do I locate my Account Number?

You can find your account number on the bottom of your check. If you do not have checks, please give us a call or visit a branch to request the account number.

How do I order or re-order checks?

You can order or re-order your checks by calling our Customer Care Center, sending your banker an email, or re-order online using this link.

How do I close or change an account?

You may change account types or close an account by visiting your local branch or calling Customer Care.

How do I open a new account?

You can open a new account by contacting us here or visiting a branch.

How do I change my address?

You can change your address by stopping by any one of our branches to fill out a change of address form. If you are unable to visit in person, contact Customer Care and complete the request electronically.

Debit Cards

How do I get a new debit card quickly?

For the fastest service, visit your closet branch to request a new debit card.

What if I need to change the limit on my debit card?

If you need to change the limit on your debit card, call Customer Care and request to have your daily limit increased.

How do I add or remove a travel notification, to let the bank know I will be traveling?

Complete this travel notification form, visit a local branch or call Customer Care and notify them of your destinations. This protects you and helps us better monitor your account.

How do I shut off my debit card in the event that I misplaced it?

You can turn your card “on” and “off” to temporarily block transactions, report your card lost or stolen, set card limits by location, dollar amount and merchant type all from the mobile app or contact us at 877-499-0572.

Where can I find an ATM?

In addition to ATMs at our branches, First Federal customers have access to the Allpoint Network of surcharge-free ATMs. Over 55,000 Allpoint ATMs worldwide, including the United States, Mexico, Canada, Puerto Rico, the United Kingdom, and Australia, are surcharge-free for First Federal customers! Find Allpoint ATMs on the locator search on their website www.allpointnetwork.com (Opens in a new Window).

What happened to Bazing rewards?

The Bazing rewards program has been replaced with uChoose rewards. Click here to learn more about our new rewards program.

Credit Cards

What do I do if I received a past due notice for my credit card?

Bring your account current by logging in to online banking to make a payment, transfer funds from another account or call us at 855-609-3578 to make a payment over the phone.

Online Banking FAQs

How do I reset my password?

To reset your password or unlock your account, call (877) 499-0572 and select the Customer Care option.

Mobile Banking FAQs

How do I make a mobile deposit?

Making a deposit with your phone is quick and easy. This video will walk you through how to login and some of the features.

How do I enroll in Mobile or Online Banking?

First, enroll in Online Banking using this link. During the initial session, you will be walked through the setup process. To learn more about the features and benefits of online banking, watch this video.

Once your online banking account is setup, visit the Apple App store or Google play to download the app and begin accessing your bank accounts from your phone. Visit this page to learn more or link to the app stores.

Mortgage

Who is Loan Care and how do I contact them?

Loan Care is a partner we carefully selected to service your mortgage. They have an online portal so you can easily keep track of your loan, make payments and more. You may contact Loan Care at 855-499-6843.

Who can provide the balance of my loan or provide a pay-off quote?

Contact or visit your local branch to request the balance of your loan or a pay-off quote.

How much will I need for a down payment?

Depending on the type of loan you are financing, you may be required to make a down payment ranging from 0% to 20%. There are many advantages to both small and large down payments including income tax benefits. Contact a Loan Officer today to provide you with all your options.

What is the difference between Pre-Approved and
Pre-Qualified?

Pre-Qualification is an informal estimation of what size mortgage the borrower may qualify for. Pre-Approval is a formal statement of the specific mortgage amount in which the borrower is approved for.

What if I am in the process of switching jobs?

Securing a mortgage during an employment transition is common. You need income that is reliable, stable, and likely to continue for at least 3 years. New positions require you to remain in the same field. Contact your First Federal Bank Loan Officer today to assist you with this process.

 

Fees

What is a non-sufficient or overdraft fee?

When there are not enough funds in your account to cover a check or withdrawal, a fee is charged. Each customer has the option to opt in for overdraft coverage. If opted in, a non-sufficient funds fee is charged for every transaction that overdraws the account. This can be helpful in avoiding returned check fees and ensuring a transaction is completed.

If opted out, a non-sufficient funds fee is applied to checks and ACH transactions only.

Depending on your account type, you can receive coverage up to $100 or $300.

Deposits

How do I verify if a deposit has processed or the amount of funds available in my account?

Login to online banking or check the mobile app to see if the funds have been added to your balance.

Are my deposits insured?

First Federal Bank is an FDIC insured bank. To learn more about deposit insurance and coverage amounts click here(Opens in a new Window).

What is the latest time I can make transfers, mobile deposits and online transfers?

The daily cut-off time to make transfers, mobile deposits, and online transfers is 7pm.

Transfers

How do I transfer funds between my accounts?

To transfer funds between your accounts, log into online banking or the mobile app and follow the transfer steps.

To transfer funds between different institutions, log into online banking, select "Transfers" from the navigation menu, and then select "Launch External Transfer." You can use external transfers to make a loan payment.