Member FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Overdraft Programs

Hey, nobody’s perfect.

Overview

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, a 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.

Opt In for Overdraft

To opt in for either program, please call us at (816) 245-4225 or send us an email at digitalbanking@ffbkc.com.

Avoiding overdrafts

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

  • Enroll in Savings Overdraft Protection. 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.
  • Set up digital alerts. Set up custom alerts with our mobile and online banking that notify you when your account balance drops below a limit.
  • Set up calendar reminders. Keep track of your monthly expenses by marking bill due dates on your calendar to avoid overdrafting your accounts.
  • 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 our mobile and online 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

+

You are now leaving First Federal Bank of Kansas City

Our website/mobile terms, privacy and security policies do not extend to the website or app accessed through this link, and First Federal is not responsible for the content on any third-party website or app. Click "Yes" to leave our website.