What protections are provided and not provided by First Federal Bank to our customers relative to electronic funds transfers under Regulation E?
If we do not complete a transfer or bill payment to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
We will disclose information to third parties about your account or the transfers you make:
In case of Errors or Questions about your Electronic Transfers or Bill Payments, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer or bill payment listed on the statement or receipt. We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a new account) 5 business days for unauthorized check card transactions processed by Visa or MasterCard® after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account). If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the document that we used in our investigation.
First Federal Bank of Kansas City
P.O. BOX 419194, KANSAS CITY, MISSOURI 64141
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (816) 241-7800
Under what, if any, circumstances and through what means would First Federal Bank contact a customer on an unsolicited basis and request the customer’s provision of electronic banking credentials?
First Federal will not contact you by mail, phone, or email to inquire or request your electronic banking “Sign On/Login” ID and password. In the rare case we detect any unusual or uncharacteristic behavior (anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online) we will attempt to phone or email you by using the phone numbers or an email address you have previously provided to the Bank, and will ask you to answer security questions that you have previously provided to the Bank. You are responsible for keeping your password, account numbers, and other account data secure and confidential.
How can I avoid becoming the victim of a social engineering or phishing scam?
Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center. If you have responded to an email, contact First Federal Bank immediately so we can protect your account and your identity.
For more information on phishing, download this PDF :
What are some alternative risk control mechanisms that customers may consider implementing to mitigate their own risk? or a list of available resources customers may view for alternative risk control mechanisms?
What website links are available for customers to view for additional risk control mechanisms?
Visit the Federal Trade Commission (FTC) Online
7 Tips for Protecting Yourself Online
First Federal Bank main telephone number at 816-241-7800
Deposit Operations Customer Service Representatives at 816-245-4225
First Fed Online Bill Payment Questions at 855-377-7210
*Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated