Card Services

Our ATM, debit and credit cards include options designed to meet your financial needs and lifestyle. Not only can you make purchases in a way that makes sense for you, with some cards you will also earn bonuses while doing it!

Visa® Debit Card Visa® Credit Card EMV Chip Card FAQs

 

Visa® Debit Card

Managing your money is easier with a First Federal ATM or VISA® Debit Card. Each card gives you direct access to your personal checking and savings accounts, meaning you have more flexibility and control of your funds. In order to help prevent debit card fraud, we continually monitor VISA® Debit Card activity so that unusual spending activities are quickly identified.

 

ATM Card

VISA® Debit Card

Checking Accounts

Access First Federal Regular, 20 or 62+ Checking Accounts

Access First Federal Regular, 20 or 62+ Checking

Savings Accounts

Access First Federal Savings Accounts

Access First Federal Savings Accounts

Point of Sale Transactions (POS)

Interlink and ACCEL networks for Checking ATM cards; no Point of Sale for Savings ATM cards

 

Wherever VISA® is accepted, in addition to Interlink and ACCEL networks

ATM Deposits and Withdrawals**

Yes

Yes

Accessible ATMs

Any First Federal or MoneyPass(R) ATM, other ATMs with the ACCEL/Exchange or PLUS logos*

Any First Federal or MoneyPass(R) ATM, other ATMs with the ACCEL/Exchange, PLUS or VISA® logos*

Daily Limits

Up to $500 per day from an ATM*; up to $200 per day (or your account balance) using INTERLINK or ACCEL networks for Checking accounts only.

Up to $500 per day from an ATM*;up to $1500 per day (or your account balance) using VISA®, INTERLINK or ACCEL networks.

Service Fees

$5 for each lost or damaged card

 

$5 for each lost or damaged card

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

Annual Fee

None

None

Fraud Protection

Yes

Yes

Personal PIN Selection

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

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

Verified by VISA®

No

Available

Application Required?

Yes

Yes

Application

*Fees are not charged for transactions made at First Federal or MoneyPass® ATMs. As of November 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.

International Travel

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

Credit Card

First Federal offers a variety of personal credit card options designed to meet the needs of our customers. Whether you want a basic credit card to pay down balances and save on interest while avoiding an annual fee or if you want to earn bonus points for purchases or cash back, First Federal has a personal credit card program for you.

All applicants must be 18 years of age, have a valid U.S. address and Social Security number.

 

VISA® Bonus Rewards

VISA® Bonus Rewards Plus

VISA® Platinum

Secured VISA®

 Benefits

Automatically earn bonus points on EVERY purchase.

Automatically earn bonus points on EVERY purchase at a faster rate.

Convenience without an annual fee or rewards

To help individuals build or rebuild credit

Rewards*

1 point for every net $1 spent, plus a 25% monthly bonus on all points earned.

1 point for every net $1 spent, plus a 50% monthly bonus on all points earned.

None

None

Annual Fee

$0

$50

$0

$35

Introductory and Go-To Rates

0% for the first 6 billing cycles on purchases and balance transfers. Post-introductory variable APR is PRIME plus 6.74%-17.74% based on creditworthiness

0% for the first 6 billing cycles on purchases and balance transfers. Post-introductory variable APR is PRIME plus 6.74%-17.74% based on creditworthiness

0% for the first 12 billing cycles on purchases and balance transfers. Post-introductory variable APR is PRIME plus 6.74%-17.74% based on creditworthiness

PRIME plus 17.74%

*Refer to documentation for all rewards terms and conditions.

Apply Online
 

Cash Rewards American Express® Card

Travel Rewards American Express® Card

Rewards*

Up to 3% Cash Back Rewards

3% cash back on gas on the first $6,000 in annual fuel purchases

2% cash back on supermarket purchases

1% cash back on all other purchases

Up to 3 points on Travel Rewards

3 points for every $1 spent on airline purchases

2 points for every $1 spent on hotel and restaurant purchases

1 point for every $1 spent on all other purchases

Annual Fee

None

$95

Introductory and Go-To Rates

0% introductory APR for the first 6 billing cycles on purchases and balance transfer. After that, a variable APR currently 11.99%-22.99%.

0% introductory APR for the first 6 billing cycles on purchases and balance transfer. After that, a variable APR currently 11.99%-22.99%.

 * Refer to documentation for all rewards terms and conditions.

Additional Features

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

  • Fraud liability protection
    • You won’t be held responsible for unauthorized purchases made on your card if it is lost or stolen.
  • Warranty manager service
    • Get double the original manufacturer’s warranty on eligible purchases made on an eligible VISA card.
  • Anytime service
    • 24 hour customer service, every day of the year, via our toll-free telephone number at 1-800-558-3424.
    • Visit www.myaccountaccess.com to manage your account online.
  • Other benefits
    • Coverage of auto rentals for collision and theft, select merchant discounts and more.

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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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