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. 

Small Business Credit Cards

Take your business to the next level with a Small Business Credit Card from First Federal. Not only will the increased cash flow allow you to effectively run your business, but the accompanying rewards program and consolidated company statements the card offers can help improve efficiency and your bottom line.

For nonprofit organizations, First Federal has a program to help you grow as well! The VISA®  CommUNITY Credit Card offers generous credit lines, consolidated statements, free management reporting and an optional rewards program. Spend your organization’s time supporting the community while knowing your financial information and vital resources are being handled securely.

Minimum Requirements: Authorized officer must be 18 years of age, have a valid U.S. address and Social Security number. No minimum time-in-business requirement.

Business VISA® Card Options


VISA®  Business Real Rewards Card

VISA®  Business Rewards Plus Card

VISA® Business Cash Card  

VISA® Business Card

VISA® CommUNITY Credit Card  


1.5 points for every $1 spent on eligible net purchases

3 points for every $1 on purchases in the category you spend the most on: cellular phone services, hotel or airline

1.5 points for every $1 spent on eligible net purchases

3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services

2% cash back on eligible restaurant and gas net purchases

1% cash back on all other eligible net purchases



*Refer to documentation for all rewards terms and conditions.

**$99 annual fee for Rewards version

Apply Online

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

Community Support

Financial Education