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 Access Agreement

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I. Introduction

II. Accessing Your First Federal Bank Accounts through First Fed Online
A. Requirements
B. Electronic Mail (E-mail)
C. Fees
D. Acceptance of the Electronic Disclosure Agreement
E. New Services
F. Benefits of Using First Fed Online

III. Terms and Conditions
A. Your Online Password and Security Questions
B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. 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. Electronic Fund Act and Regulation E
E. 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" refers to each signer on an account. 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 tax payer identification number, which must be the owner's Social Security Number to have access to these accounts.  First Federal Bank cannot enroll Minors, 13 years of age or younger, Payable on Death for account, Representative Payees, or Two Signatures Required accounts.  Most trust accounts cannot be enrolled however you may call us to verify if your trust account may or may not be enrolled.

Once you have accepted this Access Agreement and your account information is verified, you may immediately have access to your account information.  If your enrollment is denied please contact the Internet Banking Representative at 816/241-7800.  

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 on the “Accounts” page by using the “Remove Account” button.  To add accounts, select the “Add” button and submit your request.  The next time you log in to First Fed Online the account you added will be available.

B. 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 NOT USE E-MAIL TO REPORT “UNAUTHORIZED” USE OF YOUR PIN OR PASSWORD OR ANY “UNAUTHORIZED” TRANSACTION.  You may use email to report disputed bill payments.

C. 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.

D.  Acceptance of the Electronic Disclosure Agreement
You must consent to electronic deliveries of disclosures.  First Federal Bank will make electronic disclosures or revised electronic disclosures available to you through the Mailbox feature of First Fed OnLine or in an email sent to you.  The email may contain the disclosure or revised disclosure or it may provide the address of the Internet web site or other location where the disclosure or revised disclosure has been made available.

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 personal 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 billing information from Merchants electronically with eBill
  • Receive text alerts and payment reminders
  • Pay bills with our overnight delivery option
  • Download account information into Quicken.
  • Communicate directly with First Federal Bank through E-mail.
  • View and print check copies
  • Receive 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. Your Online Password and Security Monitoring
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, 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.

You are responsible for keeping your password, account numbers and other account data confidential. First Federal Bank will act upon your instructions received under your password.  First Federal Bank undertakes no obligation to monitor transactions through First Fed Online to determine that they are made on behalf of the accountholder.

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.

CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission.  AN IMMEDIATE TELEPHONE CALL TO US (816-241-7800) IS THE BEST WAY TO REDUCE ANY POSSIBLE LOSSES.

B. 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.

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.

 
C. 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 such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), 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 (F) Additional Terms and Conditions for additional Liability disclosure related to First Fed Online Services.

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, POS transactions, pre-authorized transactions, First Fed Online transfers and bill payments, etc.) that you have requested for a given business day, then:

Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
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.

E. 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.

F. 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 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.

The number of transfers from a savings account (MMA and Statement Savings) is limited as described in the applicable Deposit Agreement and Disclosure. 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).
  • You must allow a reasonable time period for the bank to receive and act on the order. The time deadline for requesting a stop payment online is 04:00 PM (Central Time) on business days (Saturday, Sunday and Federal Holidays are not considered business days) and stop payment requests received after that time will be effective the following business day after 10:00 AM.
  • 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 no longer in 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 for completion.  The stop payment order must be signed and returned within 14 days from the effective date of the stop payment order.
  • 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, this check may have already been accepted by First Federal Bank and the bank may be unable to determine this until two days after acceptance.


Financial Institution’s / Consumer 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:

  • If, through no fault of ours, you do not have enough available funds in your account to make a transfer.
  • If a legal order directs us to prohibit withdrawals from the account.
  • If your account is closed, or if it has been frozen.
  • 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.
  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  • 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.
  • 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.
  • If you have not properly followed the on-screen instructions for using First Fed Online.
  • 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.
  • If there is a delay or loss of payment(s) caused by the U.S. Postal Service or other commercial delivery systems.
  • 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. 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 (7) seven 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 no later than 1:30 PM (Central Time), on the date your account is scheduled to be debited.

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 consumer) 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 855-377-7210. 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 $9,999.99 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 and savings account agreements (for example, uncollected or overdraft charges on your checking account). 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 finish 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. Electronic Fund Act and Regulation E
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, Money Market Savings, statement savings, or 30-Month Variable Rate Certificate account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking, Money Market Savings, or statement savings account(s).

Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (888) 781-4092 using your account numbers, your personal identification number, and a touch tone phone, to:

  • transfer funds from checking to checking

•transfer funds from checking to savings
•transfer funds from savings to checking
•transfer funds from savings to savings
•make payments from checking to loan accounts with us
•get information about
   - the account balance of checking accounts
   - the last five deposits to checking accounts

  • the last five withdrawals from checking accounts
  • the account balance of savings accounts

- the last five deposits to savings accounts
- the last five withdrawals from savings accounts

1st Federal Acce$s ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your 1st Federal Acce$s card and personal identification number (PIN), to:
•make deposits to checking account(s) with an ATM card
•make deposits to statement savings account(s) with an ATM card
•get cash withdrawals from checking account(s) with an ATM card
   - you may withdraw no more than $505.00 in a 24-hour period
•get cash withdrawals from statement savings account(s) with an ATM card
   - you may withdraw no more than $505.00 in a 24-hour period
•get information about:
   - the account balance of your checking accounts with an ATM card
   - the account balance of your statement savings accounts with an ATM card
Some of these services may not be available at all terminals

1st Federal Check Acce$s ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your 1st Federal Check Acce$s card and personal identification number (PIN), to:
•make deposits to checking account(s) with a Check Acce$s card only at ATMs we own or operate
•get cash withdrawals from checking account(s) with a Check Acce$s card you may withdraw no more than $505.00 in a 24-hour period
•get information about:
-the account balance of your checking accounts with a Check Acce$s card
Some of these services may not be available at all terminals

1st Federal Check Acce$s Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transactions - dollar limitations - Using your Check Acce$s card
•you may not exceed $2500.00 in transactions per day

Currency Conversion – The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustments.

Verified by Visa – When purchasing goods or services over the Internet, some merchants may use and require the use of the Verified by Visa Program.  This program is implemented to improve the security of internet transactions.  In order to use the Verified by Visa Program, you must register by going to www.visa.com/verified and follow the simple online instructions or register your card and setup your password while you shop.

Electronic Check Conversion – You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to:

  • Pay for purchases.
  • Pay Bills.

First Fed Online - You may access your account(s) 24 hours a day by using a computer, your Sign on ID and Password, to:
•Check account balances
•Review deposits and withdrawals
•Research checks and other transactions
• View and print check copies
• Receive eStatements
•Transfer funds from -
   - checking to checking
   - checking to savings
   - savings to checking
   - savings to savings
•make payments from checking to loan accounts with us
•download account information into Quicken

BILLPAY
Bill Payment Services are available for checking and MMA (Money Market Account) only.
You can select Bill Payment Services from your checking or MMA to:
•pay anyone, anytime, anywhere within the USA
•setup one-time or recurring payments
•view pending payments
•receive text alerts and payment reminders
•view payment history of your payee's

FEES
•We do not charge for direct deposits to any type of account.
•We do not charge for preauthorized payments from any type of account. Except as indicted elsewhere, we do not charge for these electronic fund transfers.
•A fee is assessed (as stated in the "Service Fees" brochure) to replace a lost debit or ATM card
•A fee is assessed (as stated in the "Service Fees" brochure) per withdrawal at ATMs we do not own or operate outside the Moneypass Network.

NOTICE REGARDING ATM FEES BY OTHERS
When you use an ATM not owned by us or that is not in the Moneypass network, you may be charged a fee by the ATM operator [or any network used] (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines.

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at  816-241-7800 to find out whether or not the deposit has been made.

Periodic statements  You will receive a monthly account statement from us for your checking and Money Market Savings accounts.
You will receive a monthly account statement from us for your statement savings and 30-Month Variable Rate Certificate accounts, unless there are no transfers in a particular month. In any case, you will receive a statement at least quarterly.

PREAUTHORIZED PAYMENTS
Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.
Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more that a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).
Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY
Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
(1) If, through no fault of yours, you do not have enough money in your account to make the transfer.
(2) If you have an overdraft line and the transfer would go over the credit limit.
(3) If the automated teller machine where you are making the transfer does not have enough cash.
(4) If the terminal or system was not working properly and you knew about the breakdown when you   started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY
We will disclose information to third parties about your account or the transfers you make:
(1) where it is necessary for completing transfers; or
(2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
(3) in order to comply with government agency or court orders; or
(4) if you give us written permission.

UNAUTHORIZED TRANSFERS
(a) Consumer liability. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you believe your card and/or your code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional limits on Liability for Check Acce$s Card, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your Check Acce$s Card, when used for point-of-sale transactions.  Transactions not covered by the zero liability are ATM and PIN based transactions not processed by Visa.  "Unauthorized use" means the use of your debit card by a person, other than you, who does not have actual, implied or apparent authority for such use, and from which you receive no benefit.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.

ERROR RESOLUTION NOTICE

In case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, 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 the statement or receipt. We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared

(1) Tell us your name and account number.

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a new account) 5 business days for unauthorized check card transactions processed by Visa after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 5 business days for unauthorized Visa transactions 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 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 3 business days after we finish our investigation. You may request copies of the document that we used in our investigation.

FIRST FEDERAL BANK, FSB
DEPOSIT OPERATIONS
P.O. BOX 419194, KANSAS CITY, MISSOURI 64141
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (816) 241-7800

E. 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 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 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 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 account information.

Taking Care of Your Online Password - The password that is used to gain access to First Fed Online should also be kept confidential. It is recommended that you memorize this Online password and do not write it down.  You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify First Federal Bank Customer Service at once at 816-241-7800.

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.

If your Online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a First Federal Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.

Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the paper statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

 

© 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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