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 LoanCare and how do I contact them?

LoanCare 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 LoanCare 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 three 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 a FDIC insured bank. To learn more about deposit insurance and coverage amounts click here.

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.

Zelle

What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

Who can I send money to with Zelle?

You can send money to friends, family and others you trust².

Since money is sent directly from your bank account to another person's bank account within minutes¹, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

How do I use Zelle?

You can send, request, or receive money with Zelle.
1. To get started, log into First Federal Bank's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle^®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.

2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes¹.

3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"³.

4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Someone sent me money with Zelle, how do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:
1. Click on the link provided in the payment notification you received via email or text message.

2. Select First Federal Bank.

3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What types of payments can I make with Zelle?

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor².

Since money is sent directly from your bank account to another person's bank account within minutes¹, Zelle should only be used to send money to friends, family and others you trust.

Neither First Federal Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I get started?

It's easy — Zelle is already available within First Federal Bank's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose financial institution doesn't offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle work?

When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Federal Bank).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies First Federal Bank of the incoming payment. First Federal Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle internationally?

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call customer services at 386-755-0600 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by First Federal Bank but are a separate service from Zelle and can take 1 – 3 business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes¹.

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient's account, and will be available typically within minutes¹.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact customer services at 386-755-0600.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe is a top priority for First Federal Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

I'm unsure about using Zelle to pay someone I don't know. What should I do?

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither First Federal Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team at 386-755-0600 and ask them to move your email address or U.S. mobile phone number to First Federal Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your First Federal Bank account so you can start sending and receiving money with Zelle through the First Federal Bank mobile banking app and online banking. Please call First Federal Bank's customer support toll-free at 386-755-0600 for help.