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Financial Hardship Relief

If you experience financial hardship as a result of the coronavirus, you can request help.

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General & Account

Our routing number is 301071592. It appears as the first group of numbers printed on the bottom of your checks.

To minimize your liability, call (833) 305-5910. Internationally call (701) 461-0621.

You can call (800) 992-3808.

The average time is 3 to 5 business days, however this varies from one merchant to another.

Mobile & Online Banking

Our digital banking upgrade brings you a more powerful banking experience! You can expect a wide range of benefits, including external transfers, enhanced mobile check deposit features, customizable push alerts, and a seamless financial management tool to help you track all your accounts and create custom budgets.

Find more details about the upgrade in our digital brochures for personal accounts and business accounts.

Existing online banking users will login as normal with their current username and password. You will receive a verification code to your email address and be prompted to set a new password before entering the new system. You will only complete this process once. On your second login, simply enter your username and the new password created.

Customers creating their first-ever online banking profile can enroll here. You’ll be asked for your tax ID and date of birth, and to create a username and password.

Simply select the “forgot your username or password?” prompt on your login screen. You’ll receive an email from no-reply@ffbkc.com with a code that will expire in 72 hours. After opening the email, click “reset password” and follow the prompts. Please return directly to the desktop or mobile app to input your new password.

By default, two-factor notifications will be sent to the email address associated with your account. To add your mobile device or adjust other settings, log in and find your name in the top right corner. Click Settings > Alerts & Security > More. Scroll down to find which authentication methods are enabled and to add others. Please note that for security purposes, you may be unable to remove all devices.

Have more questions? Log in and visit the Support menu for help or to contact our Digital Banking Team.

Security

We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all communications and transactions, including your questions to us using the Mailbox feature within Online and Mobile Banking. This is currently the highest level of security available for Internet transactions.

No, your online account information is available through access methods that have been rigorously tested for security accessibility. The information is not public. Only you can access it using your username and password.

You can help safeguard your information and the banking systems by protecting your username and password. A proper combination of your username and password is the only way to get access into your account. Please be careful to keep this information secure and always sign off as soon as you have completed your online banking efforts.

For security reasons, Online Banking will not remember a username ID or password. You will have to enter both these items each time you begin a session. To change your password, click on Options and follow the instructions.

The Mobile Banking app will remember your username ID, but you will have to enter your password each time you log in.

Checking

First Federal offers a variety of checking accounts, including:

You can start the application for a First Federal account. Or stop by any of our convenient locations.

To open an account, you’ll need:

  • Your driver’s license number
  • Your Social Security number
  • Joint account owner’s information (if applicable)


To open a joint account, you’ll need:

  • Your driver’s license number
  • Your Social Security number
  • Joint account owner’s license number
  • Joint account owner’s Social Security number


You can write a check from another account to open your First Federal Bank account or deposit cash

Contactless Chip Debit Card

Contactless cards use near-field communication (NFC) to allow the card to communicate with the payment terminal with just a tap. Each chip and contactless transaction is identified by a one-time unique code, further protecting your personal information.

Contactless-enabled cards will be issued to new customers at account opening and mailed to current cardholders prior to natural expiration.


Yes, you can use your contactless chip debit card to purchase items in stores, restaurants, or wherever debit Mastercard® is accepted in the U.S and around the world. You also can use your debit card to withdraw cash without fees at any First Federal ATM, and any ATM in the nationwide MoneyPass network.

To tap to pay, look for the contactless symbol below on any payment terminal.

contactless symbol


All debit cards that First Federal issues come with zero liability protection so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. As always, it’s important to promptly report a lost or stolen card or any suspicious transactions by calling (833) 305-5910. See the applicable agreement for your account on liability and reporting requirements for authorized transactions.

Savings

Yes, there are minimum balance requirements for savings accounts.

  • First Savings Plus - $50 minimum deposit
  • Premier Money Market - $2,500 minimum deposit
  • Money Market Savings - $1,000 minimum deposit
  • Statement Savings - $200 minimum deposit
  • Minor Savings - $25 minimum deposit


You can get started opening a First Federal savings account online.

You can also visit any banking center in the KC metro area.

IRAs

The main difference is contributions made to a Roth IRA are not tax-deductible. Contributions to a Traditional IRA are tax-deductible. However, you won’t pay taxes on Roth IRA distributions in retirement, assuming they’re qualified withdrawals. Any taxable amount would be the earnings only.

Qualified withdrawals include:

It’s made after the 5-year holding period beginning with the first taxable year for which a contribution is made for your benefit, and one of the following conditions:

  • You are age 59½ or older
  • Disability distributions
  • Death
  • First-time homebuyers (exceptions apply)

Yes, a conversion is removing your funds from your Traditional IRA and placing them in a Roth IRA. You will pay taxes as part of this conversion. But you won’t pay taxes when you make qualified withdrawals from the Roth IRA. Unlike a Traditional IRA, there is no required timeframe to begin withdrawing your Roth IRA funds.

Yes, if you have taxable income for at least as much as you are contributing. And your income falls within the guidelines established by the IRS.

The minimum opening deposit for our fixed-rate Certificate is $1,000. First Federal also offers an IRA Savings account with a $200 minimum opening balance.

Transfers

No. If you have arranged for transfers but did not use First Fed Online to set them up, you will not be able to change anything about those transactions using Online Banking. You must call or visit a banking center during regular business hours to make any changes.

If Mobile or Online Banking and all of our backup systems go down, trust that any scheduled transaction will go through. If you were in the middle of a transaction and you’re unsure whether it was completed, contact us to make sure your transaction was completed.

One-time transfers are processed immediately until 7 p.m. CST on regular business days. Future dated or recurring transfers are made at approximately 7 p.m. on the date requested. If future dated or recurring transfers are scheduled to be processed on a weekend or a bank holiday, it will be processed on the business day prior to the scheduled date. Saturday, Sunday and bank holidays are not considered business days.

Passbook accounts are set to only allow transactions to be processed when presented in person at a First Federal Banking Center. That means Online and Mobile Banking does not allow transfers to and from these accounts. You may change your Passbook savings account to a Statement Savings account to allow transfers at any banking center.

Loans

We offer a wide variety of loans for people looking to borrow for a home, home improvements and vehicles. For more detailed information on each type of loan, click below.

We have some of the most competitive interest rates. Because rates change often, please check our Rates page for the most up-to-date information.

We’re happy to answer any questions you may have about borrowing. You can reach us by phone at 816-245-4203 from 9 a.m.-4:30 p.m., Monday through Friday.

Each loan carries specific requirements, so talk with a loan consultant to understand what’s required and what documents and information you’ll need to have. You can also check out our 5 Hacks for Getting a Home Loan blog post.

Education Hub

Education Hub is a digital financial learning platform. Build a customized learning playlist by answering a brief questionnaire or explore curated topics such as budgeting, home ownership, retirement and more. You can access our platform

Yes! Education Hub is completely free to use.

To access Education Hub on your desktop or laptop computer, go to the main navigation bar and click on Learn. Look at the left-column titled "Learn" and click on "Education Hub".

On your mobile device, click on the 'hamburger' button (three horizontal lines) in the top-right corner. Click on "Learn" and a menu will expand. Click on "Education Hub"

Alternatively, type "ffbkc.com/education" in your search bar.

No, you do not need an account. However, if you want to track your learning progress, then you would need to sign up for an Education Hub account.

*Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated

*Samsung and Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd.

*Apple and Apple Pay® are registered trademarks of Apple Inc.

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