• Our Digital Banking upgrade is coming soon! Current online and mobile banking will be unavailable during the conversion from Monday, August 15 - Monday, August 22 . Please schedule bill payments before 8/15. Get prepared: ffbkc.com/upgrade.
  • EXTENDED CONTACT HOURS: Have questions? Our Digital Banking Team is available at (816) 245-4225 Monday – Friday, 8:30 a.m. – 5 p.m. CT. Phone service will be extended until 6 p.m. starting Monday 8/22 through Thursday 8/25, and available from 8:30 a.m. – 5 p.m. on Saturday 8/20 and 8/27.

Overdraft Programs

Opt In

Hey, nobody’s perfect.


A small budgeting mistake can turn an “I’m good” to an “Oh no!” But our optional overdraft programs can make sure that mistake doesn’t snowball into something bigger, eliminating the worry of a declined debit card purchase, check or ATM withdrawal.

Courtesy Overdraft Coverage Program

At our discretion, we may authorize any overdrawn transaction. However, an insufficient funds fee may be assessed for each transaction that overdraws your account. For complete details, see our Overdraft Coverage Programs disclosures.

Savings Overdraft Protection

Let your money have your back. Link your First Federal checking and savings accounts, allowing the money to get moved over to cover your purchase. For complete details, see our Overdraft Coverage Programs disclosures.

Avoiding overdrafts

How can we make sure we’ve always got enough to cover our spending? Here are a few sure-fire ways.

  • Track your spending - Keep track of your account balance by logging into digital banking or by calling our First Info Line at (888) 781-4092.
  • Transfer funds - Move funds from your First Federal accounts using digital banking or by calling our 24-hour First Info Line at (888) 781-4092.

Show your money who's in charge

Have questions? We’ve got answers and tips you can use to make sure you’re never stressing about overdrawing your account.

Learn more

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