Business Card Services

Whether you want to take your business to the next level or have an easy way to keep track of your purchases, First Federal offers Business Credit Card options to help you achieve your goals.

Debit Card Credit Card EMV Chip Card FAQs


VISA® Business Debit Card

Keep better track of your business purchases using a VISA® Business Debit Card from First Federal.


Account Details

Checking Accounts

First Federal Community Checking, Standard Business or Small Business Checking

Point of Sale Transactions (POS)

Wherever VISA®  is accepted

ATM Deposits and Withdrawals


Acceptable ATMS

Any First Federal or MoneyPass® ATM, other ATMs with the Accel, Interlink, PLUS or VISA® logos*

Daily Limits

Up to $500 per day from an ATM*, up to $3,000 per day Point of Sale.

Service Fees

$5 for lost or damaged cards

International Service Assessment (ISA) Fees will be charged to VISA Debit Cardholders for international transaction processing.

Annual Fee


Personal PIN Selection

Yes - at a First Federal ATM or by calling 1-800-992-3808

Fraud Protection


Verified by VISA®


Contact us before your departure to avoid problems using your First Federal VISA® Business Debit Card while traveling abroad.


*Fees are not charged for transactions made at First Federal or MoneyPass® ATMs.  As of Nov. 1, 2014, a $2 fee will be charged for each withdrawal made at a non-MoneyPass® network ATM, in addition to any fees charged by the ATM owner.

**ATM deposits are subject to processing delays of 1-5 days. 


Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back, or flexible rewards* to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.** You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

*Refer to documentation for all rewards terms and conditions.

**Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Additional Features

No matter which credit card option you choose, you will enjoy these additional features:

  • Zero Fraud Liability Protection
    • You won’t be held responsible for unauthorized purchases made on your card if it is lost or stolen
  • Purchase Security/Extended Protection
    • Get double the original manufacturer’s warranty on eligible purchases made on an eligible VISA® card.
  • Lost/Stolen Card Reporting
    • VISA®  will forward reports of lost or stolen cards to the appropriate card issuers.
  • Customer Service
    • 24 hour card member service, every day of the year, via our toll-free telephone number.
    • Visit to manage your account online.
  • Employee Cards
    • Available at the time of application, or after the account is established.
  • Other Benefits
    • Coverage of auto rentals for collision and theft, select merchant discounts and more.

Shop and Compare

Visit our online resource center for additional card details, terms and conditions, and an online application.

Client Resource Center

Community Matters

Our philosophy continues to guide our decision-making and strengthen our dedication to our customers and our community. When you bank with us, your money is invested here and stays here, working for and giving back to our community.

Giving Programs

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