In observance of Independence Day, our banking centers will be closed on Monday, July 4. Our banking centers will resume normal operations on Tuesday, July 5.

Mobile & Online Banking


To use Mobile Banking, you’ll need:

  • A personal First Federal checking or savings account (business accounts are not eligible at this time).
  • An active Online Banking username and password – your Mobile Banking username and password must be the same as your Online Banking username and password.
  • A mobile device (phone or tablet).
  • The First Federal Mobile Banking app downloaded on your Apple or Android phone or tablet.

You can do most of the same things with our Mobile Banking app that you can with Online Banking, including:

  • Check account balances
  • Deposit checks
  • Transfer funds between First Federal Bank accounts
  • Pay bills
  • View recent transactions
  • View check images (iPad and Android tablet versions only)

Data/message charges may apply. Contact your mobile communications provider for details.

Yes, you can use Mobile Banking to find the closest First Federal banking center and ATM location using your GPS-enabled phone or tablet.

Yes, you can use the PopMoney feature of our online bill pay system to send money to virtually anyone, even if you don't have their account information. Service charges may apply.

Yes, you can set up text messages from within your Online Banking account for Mobile Banking. To get information about your account, you’ll want to know the following codes:

  • BAL — Your current account balance
  • HIST — List of most recent transactions
  • ATM 64055 (ATM "zip code") — Nearest First Federal ATM to the zip code you enter after "ATM"
  • HELP — A list of codes you can send to 61539 to get account info

Username - Call (816) 245-4225 during normal business hours (9 a.m.- 4:30 p.m., Monday-Friday) to speak to a deposit operations representative.

Password - Click on “Forgot Password?” beside the Password Button. Your secret question/phrase will be displayed and you will be prompted to enter a response. If your response matches what is stored, your password will be emailed to you. You may also call (816) 245-4225 during normal business hours (9 a.m.- 4:30 p.m., Monday-Friday) to speak to a Deposit Operations representative.

You will only be prompted to enter additional information when your sign on activity appears to be unusual or uncharacteristic of your typical behavior. You will also be prompted to enter your information when you first set up your security information.

Try logging out and logging back in. This should make the account appear. If the account doesn't show up in your account summary page, contact the Support Desk and we’ll check it out. We will review your question within 2 business days.

Please send a message to the Support Desk, and we’ll check it out.

Online Banking will automatically sign you out if you have remained idle for a period of time. This is a security feature that is meant to protect your account. When you request your next page, you will be presented with the alert screen and you will need to sign in again.

If there is a transaction in your register that you don't recall making or creating, contact us at (816) 245-4225 or visit a banking center. Research and associated fees may be applicable.

The data shown in Online and Mobile Banking is real time with what exists in the bank's main customer database. Transactions, such as one-time transfers between two online accounts that are performed using Online or Mobile Banking, update the main database in real time. Some transactions, such as ATM and debit card transactions, will be delayed in appearing in Online or Mobile Banking. Bill payment requests are processed only once per business day. Saturday, Sunday, and Bank Holidays are not considered a business day.

You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after at least 7 business days from your scheduled date, call our Bill Payment Customer Service at (855) 856-9297. You may also send a message to First Federal Online and Mobile Banking Support or contact our Customer Service department during regular business hours to check on the status of the payment.

Mobile wallet is a virtual wallet that stores your payment method for a convenient, seamless in-store transaction. Apple Pay®, Google Pay™ and Samsung Pay® are popular forms of mobile wallet among many others.

Utilizing mobile wallet from major providers are more secure than physical cards and cash. Mobile wallets use methods such as encryption and tokenization to mask payment card account numbers when you pay. In turn, these payment tokens are randomly generated each time to ensure your card information is not seen by merchants or even the wallet providers when you make a purchase.

Mobile wallet setup varies depending on the device or provider you choose. Here are some common instructions for popular mobile wallet providers.

Are you using an iOS device? How to add a card to Apple Pay® :

  • On your iOS device, launch the Wallet app.
  • Tap the "+" symbol to add a new card.
  • Tap "Continue".
  • Take a picture of your card or enter your card details manually.
  • Tap on "Review the Terms and Conditions" and tap on "Agree" once you've completed your review.
  • Select method to verify your card.
  • For more information regarding Apple Pay, click here.

Are you using an Android device? How to add a card to Google Pay™:

  • Launch the “Android Pay” app.
  • The app shows the cards already associated with that account.
  • Tap on the card you wish to add and follow the confirmation prompts.
  • To add a new card, tap the “+” symbol or “add a credit or debit card.”
  • Follow the activation prompts on the screen.
  • For more information regarding Google Pay, click here.

Are you using a Samsung device? How to add a card to Samsung Pay® :

  • Launch the “Samsung Pay” app.
  • Tap “Add.”
  • Tap “Add credit card or debit card.”
  • Take a picture of your card or enter your card details manually.
  • Review the terms of service and tap “Agree to all.”
  • Select an option to verify the card.
  • For more information regarding Samsung Pay, click here.

Mobile Deposit

Mobile deposit allows you to electronically deposit checks to any of your checking, money market, or savings accounts by using the camera on your Apple or Android phone or tablet.

You must have an active First Federal Online Banking account with Mobile Banking enabled, the most recent version of our Mobile Banking app for your Apple or Android phone or tablet, and an internet connection.

You must be a current First Federal Bank customer who has had a personal checking or savings account. You must have also been a bank customer for at least 90 days. Your deposit accounts must be in good standing, which includes very limited insufficient and returned check activity. Business accounts are not eligible for mobile deposit.

Yes, you may enroll as many eligible accounts as you like.

Mobile deposit is free! Mobile data charges may apply. Contact your wireless carrier for details.

Checks made payable to you and from a bank within the United States can be deposited through Mobile Deposit. Some business size checks may not be accepted.

These are the check types you CANNOT deposit through Mobile Deposit:

  • U.S. Treasury Checks
  • Checks, including traveler’s checks, that are drawn on banks located outside of the U.S.
  • Checks payable in a currency other than U.S. Dollars
  • Non-cash items (as defined under Section 229.2(u) of the Federal Reserve's Regulation CC)
  • Promissory notes and similar obligations, such as savings bonds
  • Third-party checks
  • Pre-existing substitute checks
  • Checks that have been previously returned as unpaid or uncollected
  • Checks drawn on your own First Federal bank account
  • Checks that are greater than 180 days old
  • Checks that contain erasures or have been altered
  • Any other class of checks or drafts as identified by First Federal to you from time-to-time

Yes. Write your signature and the words “FOR MOBILE DEPOSIT” in the endorsement area on the back of the check.

If your deposit was accepted prior to 3 p.m. CST Monday through Friday (excluding holidays), your deposit will generally be available within 2 business days. If a hold is applied, you will be notified.

Yes. The following deposit limits apply to each user:

  • Per Item Limit – Limits the amount to $2,500 maximum for a single check deposited.
  • Daily Limit – Limits the total combined amount of all items deposited to 5 items and a maximum of $2,500 in a single business day. Deposits made after the daily 3 p.m. cutoff time or on a non-business day will apply to the daily limit of the next business day.

All images are reviewed for clarity and completeness. If an error is detected, you will be asked to retake the photo. Follow these tips to help ensure you get a a good photo of a check:

  • Use an area under direct lighting to prevent shadows
  • Place the check on a dark surface that contrasts with the color of the check paper
  • Keep your hands clear of the check
  • Remove any other objects or items from the camera's view
  • Make sure all four corners of the check are visible. Use the guides built into the app to help you line up your photo
  • Position the camera directly above the check

There are a few common errors that may cause your check to be rejected:

  • Folded or torn corners
  • Image of the front of the check is not legible
  • Amounts not matching
  • Routing and/or account number is unclear
  • Image is too dark
  • The deposit you're trying to make exceeds the daily limit of up to 5 checks and/or a combined total of up to $2,500.

After you receive confirmation that your check has been accepted for processing, mark on the check "Electronically Presented", "Void", or otherwise render it incapable of further transmission, deposit, or presentment. The paper check will be void once it has been processed to your account.

Keep the paper check for at least 14 days. Store it in a secure place. On rare occasions, we may ask you to provide the check to us. Destroy the check no later than 14 days after the date of deposit.


Sign into Online Banking and do the following:

  • Click the Statements tab
  • Read the agreement and select "Agree" at the end of the agreement. Then you’ll be able to view and download your statement electronically, rather than receiving it by mail.
  • You will receive a notification email whenever you have a new statement available to view/retrieve through secure Online Banking.

No, you’ll receive an email g notifying you when a new statement is available for you to view/download within secure Online Banking.

Yes, if you currently receive a statement with check images by mail, you will continue to get check images in your e-Statements.

Send an email using the mailbox function in Online Banking, or send us a letter stating you would like to cancel the service. Your statement preference will be updated so that you will receive paper statements beginning with your next statement cycle. A paper statement fee may apply as stated in the current service fee brochure.

Bill Payment

The service is free, unless otherwise noted prior to making a payment. An example of this would be rush payments.

If the bill payment was sent electronically, no. If the bill payment was sent by check, you may be able to place a stop payment.

Contact the Support Desk or call Deposit Operations at (816) 245-4225 during normal business hours (9 a.m. - 4:30 p. m., Monday - Friday) to see if a stop payment can be placed.

A stop payment fee will apply. The check number, date, amount, and payee must be exact for this order to be effective. Due of the large volume of checks we process, First Federal does not visually inspect each item. We use a computer system to read the checks. Each one of the check item descriptions noted above must be exact or our system will not be able to identify the check.

Each payment made through Online or Mobile Banking will be processed either by check or by electronic funds transfer. You’ll see the first delivery date and the estimated delivery date for every bill you pay before you send it. We recommend scheduling your payments at least 7 business days before the actual due date, not the late date.

You can sign up for Bill Payment anytime you want. Just click on the Payments tab then the Pay Your Bills link within Online Banking. The screen will indicate that you are not currently enrolled. Follow the instructions to enroll and you will be able to immediately start using the service.

No. We recommend scheduling your payments at least 7 business days before the actual due date, not the late date.

If the payment is processed electronically, the funds will be withdrawn from your account on the day you selected for the payment. If a check was issued from your account, the funds will be withdrawn when the merchant receives and deposits the check.

Schedule the payment on the date you want the merchant to receive it. We recommend selecting a payment date at least 7 business days prior to the actual due date.

The calendar will show the earliest date the merchant could receive it. If the merchant accepts electronic payments, the funds will be withdrawn from your account on the day you specified that the payment be made. If the merchant does not accept electronic payments, we will make the payment by check and it will post to your account once the Merchant receives and deposits the check. That process can take up to 7 business days to allow for mail delivery & processing.

Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, a check must be sent to that payee through the regular U.S. mail. Once the payee receives it, it may also take a day or so for that payee to process the check and post it to your account.

You may click Payment Center, then Activity, then the Payment in question. Click Payment Inquiry, complete the form, and click Send Inquiry. You may also call (855) 856-9297.

Bill payments and transfers appear on your register screen. The Clr (Clear) column should state “Cleared”.

Your monthly statement from your payee should also indicate the date and amount of the payment. Your monthly bank statement will show "External Withdrawal" and the name of the payee or a copy of the paid check if you receive check images with your statement.

First Federal will send a payment electronically to the payee, unless they don’t accept electronic payments. In that case, we will mail a paper check to the payee.

No, Online Banking processes the payment electronically, if possible. If not, then a paper check is sent. Over time, some payees who could not accept electronic payment initially may be able to. At that point, we will start issuing electronic payments to them.

When you schedule a payment, you will see a message in the payment field indicating either "Check" and the check number, or "Electronic." You will also see an expected delivery date.

There is not a cut-off time for regular bill payments. The calendar will show the earliest date the merchant will receive it.

Electronic payments post to your account on the payment date to the merchant. Check payments will post to your account once the merchant receives and deposits the check.

No, you can only make bill payments from your checking account.

To use funds from a line of credit, you must transfer the money into a checking account before setting up your bill payment.

If you have insufficient funds in your checking account, but have available credit in an associated line of credit or money market account, the easiest way to access those funds is to transfer from your line of credit or money market account by using the transfer option in Online Banking.

You can select the Pay Today method. Additional charges will apply.

There are several ways: Send an email using the Mailbox function in Online Banking or call our Deposit Operations department at (816) 245-4225 during regular business hours. Your access to bill payment will end within 3 business days.

If the payment has not been processed yet you will be able to edit the bill payment from the home page. You can modify any of the details of this transaction. To delete the entire transaction, click on the cancel option.

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.

Online Banking Alerts

No, they are sent out periodically throughout the day. For up-to-the-minute account information, check Online or Mobile Banking.

Through an email or a secure email within Online Banking. Alert text messages are available if set up through Online Banking.

*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.

*Google Pay™ is a trademark of Google LLC.

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