To use Mobile Banking, you’ll need:
You can do most of the same things with our Mobile Banking app that you can with Online Banking, including:
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:
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.
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 or use the live chat option within the bill payment site until 1:30 a.m. on regular business days. 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 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.
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:
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:
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:
There are a few common errors that may cause your check to be rejected:
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:
No, you’ll receive an email g notifying you when a new statement is available for you to view/download within secure Online Banking.
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.
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. In the bill payment section:
1.Click on Payments
2.Click Payment History
4.Click "Send a Stop payment request"
5.Complete the steps to place a stop payment.
You can also 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. Because of the large volume of checks we process, First Federal does not visually inspect each item. We use a computer system. Because of that, every 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. If you’re using Bill Payment with a business account, you will not be able to immediately use the service.
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 Bill History, then View Detail of Merchant 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.
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.
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 or savings account.
To use funds from a line of credit, you must transfer the money into a checking or savings 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.
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.