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. If you are a victim of identity theft, please report it and get a recovery plan at identitytheft.gov.
For more information on phishing, download this info sheet from the American Bankers Association.
What are some examples of threats to my account and personal information?
First Federal will not contact you by mail, phone, or email to inquire or request your digital banking 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 call 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. We may also contact you using Secure Messaging through the Digital Banking message center. You are responsible for keeping your password, account numbers, and other account data secure and confidential.
Two-factor Authentication (2FA) is a specific type of multi-factor authentication (MFA) that strengthens access security to your accounts by requiring two methods (also referred to as authentication factors) to verify your identity when setting up digital banking. Two-factor authentication is important because it adds an additional layer of security to the authentication process, making it more difficult for attackers to gain access to your devices or online accounts during account set up. Even if a password becomes compromised, a password alone is not enough to pass the authentication check.
We do not charge for direct deposits to any type of account.
We do not charge for preauthorized payments from any type of account.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
Please refer to the Service Fee Schedule for additional information on fees.
Liability for failure to make transfers. If we do not complete a transfer 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:
(a) Consumer liability.
(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed below. You should also call the number or write to the address listed if you believe a transfer has been made using the information from your check without your permission.
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent 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 determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) 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, a point-of-sale transaction, or a foreign-initiated transfer) 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) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
FIRST FEDERAL BANK OF KANSAS CITY DEPOSIT OPERATIONS
P.O. BOX 419194 KANSAS CITY, MO 64141
Business Days: Monday through Friday Excluding Federal Holidays
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
*Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated