Please Read the Access Agreement Below.

When finished, click on the "Agree" button at the bottom to sign up for First Fed Online.

First Fed Online Business Access Agreement

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I. Introduction

II. Accessing Your First Federal Bank Accounts through First Fed Online
A. Requirements
B. Relationship of Parties: Instructions: User Information

C. Electronic Mail (E-mail)
D. Fees
E. New Services
F. Benefits of Using First Fed Online

III. Terms and Conditions
A.
User Ids and Passwords: Security
B. Business Use
C. Multiple Entities
D. Payment Account
E. Our Liability
F. Overdrafts: Order of Payments, Transfers, Other Withdrawals
G. Hours of Accessibility
H. Additional Terms and Conditions


IV. First Fed Online Payment Services
A. Using the Service
B. Bill Pay Fees

V. General Terms
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on First Fed Online Transactions
D. Other General Terms

VI. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your First Federal Bank Accounts


I. Introduction


This Online Access Agreement ("Access Agreement") for accessing your First Federal Bank accounts through First Fed Online explains the terms and conditions governing the Online banking services and bill pay offered through First Fed Online. By using the First Fed Online Services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of Missouri. The terms "we," "us," "our," "First Federal Bank," and "Bank" refer to First Federal Bank. "You" and “your” refers to the customer(s) named in the enrollment form(s) used to obtain access to the Web Site.  Any person who uses a User ID issued to you is also subject to the terms of this Agreement and you agree to be responsible for their compliance with these terms. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

 

First Fed Online can be used to access First Federal Bank accounts. The applicable account disclosure statement (“Deposit Agreement and Disclosure”) also governs each of your accounts at First Federal Bank.


II. Accessing Your First Federal Bank Accounts through First Fed Online


A. Requirements

To access your accounts through First Fed Online, you must have a First Federal Bank account and have completed the enrollment application.  All information entered in the enrollment process must match exactly the information First Federal Bank has on file.  A DBA (Doing Business As) account must be operating under a taxpayer identification number, which must be the owner's Social Security Number to have access to these accounts.

Once you have accepted this Access Agreement and your account information is verified, we will email our confirmation of acceptance along with your assigned Log on ID and mail your temporary password.

First Fed Online can be used to access only First Federal Bank accounts that you have designated for access in your enrollment.  You can delete any of your accounts from this agreement by selecting “Administration”, Account Management, Trash Can on right side, and Yes to “Delete”.  To add accounts, selecting “Administration”, Account Management, Add New Account and submit your request.  The next time you log in to First Fed Online the account you added will be available.


B. Relationship of Parties: Instructions: Users Information

The Web Site displays information related to your accounts(s) with us and allows electronic communication between you and us.  You and we are independent contractors.  This Agreement shall not be interpreted and construed to create an association, joint venture, agency, employment, franchise, partnership or other representative relationship between the parties or to impose any partnership obligation or liability upon either party.  Other services that we provide and certain features on our Web Site may include instructions on their proper use.  You agree to follow those instructions.  You will provide information to us during the enrollment process and during the course of the use of the Services and the Web Site (the User Information).  You represent and warrant: (1) that all User Information is accurate and complete and will be continuously updated so that the User Information shall at all time be current, accurate and complete.  We are not responsible for the quality, accuracy, reliability, legality or completeness of any content you provide, including any User Information.  You are solely responsible for verifying the quality, accuracy, reliability, legality and completeness of all content you provide, including User Information.  You acknowledge and agree that we have the right, but not the obligation, to monitor content you provide, including User Information, and to edit, correct or remove any such content that we, in our sole discretion, deem objectionable or in violation of the Agreement.


C. Electronic Mail (E-mail)

Sending electronic mail (E-mail) through First Fed Online is a way to communicate with the Bank.

E-mail is provided for you to ask questions about your account(s) and provide general feedback.

E-mail is accessible after you sign on, entering your correct sign on ID and password allows for a secured session within First Fed Online. TO ENSURE THE SECURITY OF YOUR ACCOUNT INFORMATION, ONLY USE E-MAIL FROM WITHIN FIRST FED ONLINE WHEN ASKING SPECIFIC QUESTIONS ABOUT YOUR ACCOUNT (S).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within First Fed Online or call 816-241-7800.  You may use email to report disputed bill payments.

D. Fees

There are no monthly or transaction fees for accessing your account(s) through First Fed Online. See Section IV for a description of Bill Pay fees.  Please note that your Internet service provider (ISP) may assess fees.

E. New Services

First Federal Bank may, from time to time, introduce new online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

F. Benefits of Using First Fed Online

With First Fed Online, you can manage your business accounts from your home or office on your personal computer. You can use First Fed Online to:

  • View account balances and review transaction history.
  • Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).
  • Pay bills from your checking accounts to any merchant, institution or individual.
  • Receive text alerts and payment reminders
  • Pay bills with our overnight delivery option
  • Communicate directly with First Federal Bank through E-mail.
  • View and print check copies
  • Receive electronic statements (eStatements).


III. Terms and Conditions


The first time you access your First Federal Bank accounts through First Fed Online you agree to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure.

 You also agree to receive periodic disclosures relating to your deposit accounts from First Federal Bank in electronic form, rather than in paper form.

A. User IDs & Passwords: Security

Important:  We may permit access to account information and may accept as authentic any instructions given to us by any person using one of your User Ids and passwords.  You are solely responsible for all conduct and transmissions that take place under your User ID and password.  The “Administrator” is defined as the individual who originally enrolls in the Service and any other User enrolled by that administrator and granted administrator privileges.  You agree to keep and to require your Administrator(s) and User(s) to keep your User Ids and passwords secret.  You agree to notify us immediately if any of your User Ids or passwords are lost or stolen or if you believe someone else has discovered any of your User Ids or passwords.  If you, your Administrator or Users give any of your User Ids or passwords to someone else, you are authorizing that person to act on your behalf.  We may permit such a third party to access your account information, to make transfers and payments and to otherwise use the Services.  Online Services enable your Administrator to change your User Ids and/or passwords; we recommend that this be done regularly (example every 90 days).  In addition, User Ids and/or passwords should be changed whenever any person with access transfers to a new assignment, leaves your employ or is otherwise no longer authorized to use a User ID or password on your behalf or if you have any reason to believe that your User ID or password security has been breached.  Your Administrator(s) will have the ability to add, delete, and modify User Ids and passwords and to determine which of your employees or representatives have access thereto, and the type of access they have (your “Users”).  The Administrator is solely responsible for determining, on your behalf, who should be trusted with a User ID and password and for supervising their use thereof.  You are responsible for all transactions initiated by your Users even though they engage in transactions that you have not authorized, regardless of the purpose thereof and regardless of whether the User violates your rules pertaining to use of the Services.  If a User loses or forgets their User ID or password, they should contact your Administrator.  If your Administrator loses or forgets their User ID or password, they should contact us.  You understand and agree that any one User can initiate transactions (including transfers and payment transactions) using the Services, regardless of whether the User was previously an authorized signer on the affected accounts and regardless of whether any of those accounts normally have other restrictions.  We do not assume liability for security breaches or otherwise guarantee the security of information in transit to or from our facilities.  We reserve the right to: (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers and payments, as we deem appropriate.  This means, for example, that we may require your written or other verification before we make a transfer or payment.  Our records will be final and conclusive in all questions concerning whether or not your User ID or password was used in connection with a particular transaction.  If any unauthorized use of any of your User Ids or passwords occurs, you agree to: (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance that we request in recovering any unauthorized payment of funds. 

 

Your password must be at least seven characters.  For security, we require that you create a password that utilizes both alpha and numeric characters, that you change your password regularly (example every 90 days), and that your password not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, name of children, and that you memorize this password and do not write it down.  This password can be changed within First Fed Online using the options button.   You may not use the same password for 12 consecutive password changes.


An additional layer of security offers identity theft protection by making it difficult for attackers to steal a customer’s online identity.  In the rare case we detect any unusual or uncharacteristic activity, we will ask you to either answer security questions or you will receive a phone call from us to make sure that it’s really you. Most of the time you won’t notice that the security feature is even there… but it will still be protecting you 24/7.

B. Business Use

The Services provided hereunder shall be used for business purposes.  Your usage privileges are revocable, nonexclusive, and nontransferable, without the right to sublicense.  You may use this Web Site and the Services solely for your internal business purpose in connection with products and services offered by us.  If you use the Services to access a personal account with us, different terms and conditions specific to that account may apply.

C. Multiple Entities

If you have enrolled more than one organization or individual in the Services under a single Administrator, you represent and warrant that you have the authority to bind each such organization and individual to the terms hereof and that the administrator has authority to act on behalf of all such organizations and individuals (including, but not limited to, by assigning User access to the accounts of all such organization and individuals), and you agree that each organization and individual shall be jointly and severally liable hereunder.

D. Payment Account

There are no fees for accessing your accounts through First Fed Online, initiating bill payments and receiving eStatements. You agree to pay promptly all miscellaneous fees and charges for bill payment services provided under this Agreement, and authorize us to charge your payment account for miscellaneous bill payment fees.  First Federal Bank reserves the right to cancel your online banking at anytime without prior notice due to insufficient funds.


If you do not access your First Federal Bank accounts through First Fed Online for any one-year period, First Federal Bank reserves the right to disconnect your service without notice. Please note that your bill payment information will be lost if you are disconnected.

You agree to be responsible for any telephone charges incurred by accessing your First Federal Bank accounts through First Fed Online.

If you wish to cancel any of the services offered through First Fed Online, please contact First Federal Bank Customer Service at 816-241-7800 or send us cancellation instructions in writing to First Federal Bank, Attn: Customer Service, P.O. Box 419194 Kansas City, MO. 64141-6194.

E. Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither First Federal Bank nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, First Federal Bank, OR by Internet browser providers OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall First Federal Bank or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or access software.  See section (H) Additional Terms and Conditions for additional Liability disclosure related to First Fed Online Services.

 

F. Overdrafts: Order of Payments, Transfers, Other Withdrawals

If your account has insufficient funds to perform all electronic funds transfers (point of sale transactions, pre-authorized transactions, First Fed Online transfers and bill payments, etc.) that you have requested for a given business day, then the electronic funds transfers initiated through First Fed Online may result in an overdraft of your account and may, at First Federal Bank's discretion, be canceled.

In addition, you will be subject to the same overdraft charges that apply to your account.

 

G. Hours of Accessibility

You can access your First Federal Bank accounts through First Fed Online seven days a week, 24 hours a day. However, at certain times, some or all of First Fed Online may not be available due to system maintenance. You will be notified Online when this occurs.


H. Additional Terms and Conditions

 

  • Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as transactions are posted to your account.
  • Transferring Funds – One time Transfers requested for today are processed immediately until 7:00 pm Central Time on regular business days.  Future dated or recurring transfers are processed at approximately 07:00 PM (Central Time) on the scheduled business day.  RECURRING TRANSFERS FALLING ON A WEEKEND OR BANK HOLIDAY WILL BE PROCESSED ON THE PRIOR BUSINESS DAY. 

 

If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.


  • Stop Payments – You may only request a stop payment on a paper check you have written (non-electronically).

 

  • The check number, date, amount, and payee must be exact for this order to be effective.  Because of the large volume of items we process, First Federal Bank does not visually inspect each item.  We use a computer system.  Therefore, every one of the check item descriptions noted above must be exact or our computer system will not be able to identify the item, making this stop payment order ineffective.

 

In requesting the stop payment of this check, the requestor agrees:

 

  • To pay First Federal Bank the current stop payment fee (as outlined within the ‘Service Fees” brochure) and to indemnify and hold First Federal Bank harmless from all expenses and costs incurred due to compliance of this request.
  • To notify First Federal Bank in writing to cancel this order if and when the reason for stop payment ceases to exist,
  • That closing of the account upon which this check is drawn shall automatically cancel this order,
  • That this order expires and is of no further effect six months from date of delivery to First Federal Bank unless earlier released or renewed by the individual requesting this order in writing.

 

It is understood that:

 

  • For each stop payment request, First Federal bank will mail a stop payment order confirmation to the customer. 
  • If a third person (including all banking centers of First Federal Bank) becomes a holder in due course of this check, the third person may be entitled to enforce payment against the drawer,
  • If First Federal Bank does not have a reasonable time to act on this stop payment before First Federal Bank has accepted the item, or before First Federal Bank has paid the item in cash, or before the item has been deposited or received for deposit for credit in an account of a customer with the payor bank, then First Federal Bank may be entitled to enforce payment of this item against the drawer,
  • Due to missorting or misrouting, First Federal Bank may have already accepted this check and the bank may be unable to determine this until two days after acceptance.

 

  • Financial Institution’s / Business Liability – If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result.  However, there are some exceptions.  We will NOT be liable, for instance:

 

  1. If, through no fault of ours, you do not have enough available funds in your account to make a transfer.
  2. If a legal order directs us to prohibit withdrawals from the account.
  3. If your account is closed, or if it has been frozen.
  4. If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
  5. If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  6. If any electronic terminal, telecommunication device, or any part of the First Fed Online electronic fund transfer system is not working properly and you know about the problem when you started the transfer.
  7. If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment.
  8. If you have not properly followed the on-screen instructions for using First Fed Online.
  9. If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.
  10.  If there is a delay or loss of payment(s) caused by the U.S. Postal Service or other commercial delivery systems.
  11.  If a Payee does not accept, mishandles or delays in handling payments.

 


IV. First Fed Online Payment Services

 

A. Using the Service

The First Fed Online Payment Service allows you to schedule bill payments through First Fed Online. You can schedule, at your option, for the payment of your current, future and recurring bills from your First Federal Bank checking account(s). There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of First Fed Online Payment Services. We are unable to process any payment of taxes or court-directed payments through First Fed Online Payment Services.

 

By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide to us through First Fed Online.


When we receive a payment instruction (for the current or a future date), you authorize us to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible.  While it is anticipated that most transactions will be completed in a timely manner, it is understood that due to circumstances beyond the control of First Fed Online, particularly delays in handling and posting payments, slow-responding companies or financial institutions, some transactions may take several days.


For this reason, we recommend scheduling your payments at least (4) four business days before the actual due date, not the late date.  First Fed Online will use its best efforts to process all your payments properly.

 

You have the right to stop or change any scheduled payment. You must cancel the payment before the payment is processed.

 

Stopping the payment of a check is different from the cancellation of a bill payment.  Once the bill payment has been debited from your account, you CANNOT cancel or stop the bill payment.

 

Except as otherwise provided in this agreement, you (the business) may not stop payment of electronic funds transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.

 

First Federal Bank reserves the right to terminate your use of First Fed Online bill payment service in whole or part, at any time without prior notice.  If, for any reason, you should ever wish to cancel First Fed Online bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using First Fed Online or calling First Federal Bank's Bill Payment Customer Service toll free at 855-856-9297. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

 

Bill payments are not valid outside the United States, and can be made only in United States Dollars.  Payments to foreign addresses or in foreign currencies cannot be made.


Bill Payments are limited to $250,000.00 per day per account.


B. Bill Pay Fees 

Standard Bill Pay Services are free of charge!

Additionally, you agree to pay any special charges in effect as announced by the Bank from time to time. These charges are in addition to the fees and service charges specified in your applicable checking account agreements (for example, uncollected or overdraft charges). If the payment account has insufficient funds to cover fees, the Bank may deduct the fee from any other checking account linked to First Fed Online (in any order we may choose). If the fee cannot be paid, we may cancel your Bill Pay service. After cancellation, your Bill Pay service may be reinstated by contacting First Federal Bank Customer Service once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits.

 

 


V. General Terms

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail).

The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or

written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

B. Disclosure of Account Information

Please refer to First Federal Bank’s Privacy Policy

C. Questions or Error Correction on First Fed Online Transactions

In case of Errors or Questions about funds transfers through First Fed Online involving your account, Call or Write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt. 

 

First Federal Bank, FSB
Deposit Operations Department
P.O. BOX 419194
Kansas City, MO. 64141-6194

Phone: (816) 241-7800

Business Days: Monday through Friday

Excluding Federal Holidays

 

We must hear from you no later than sixty (60) days after we send the first statement on which the problem or error appeared. If you notify us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

 

  • Tell us your name and account number
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
  • Tell us the dollar amount of the suspected error.
  • For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.

 

We will tell you the results of our investigation within ten (10) business days, or twenty (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days if the transfer involved a new account, point of sale transaction or foreign-initiated transfer, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, (20 business days if the transfer involved a new account), for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. If we determine that there was no error, we will send you a written explanation within three (3) business days after we complete our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.

D. Other General Terms

Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable State and Federal laws and regulations.



We agree to be bound by them also. First Federal Bank reserves the right to terminate this Agreement and your access to First Fed Online, in whole or in part, at any time without prior notice.


VI. Protecting Your Account

 

A. Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your (the business) account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call First Federal Bank Customer Service at 816-241-7800.

 

Protecting Personal Information - In addition to protecting your (the business) account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your (the business) account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your (the business) account information.

 

B. Unauthorized Transactions in Your First Federal Bank Accounts

Notify us immediately if you believe another person has improperly obtained your Online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. To notify us, call First Federal Bank Customer Service at 816-241-7800, or write First Federal Bank, Attn: Customer Service, P.O. Box 419194, Kansas City, MO. 64141-6194.


 

© 2017 FIRST FEDERAL BANK of KANSAS CITY
P.O. Box 419194
Kansas City, MO 64141-6194
Phone (816) 241-7800  |  Bank / ABA Routing Number: 301071592

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