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, Digital, or 62+ Checking Accounts

Access First Federal Regular, Digital, or 62+ Checking Accounts

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**



Acceptable ATMs

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

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 $200 per day Point of Sale.

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

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



Fraud Protection



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

Application Required?



*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.


Round Up Savings

Let your small change grow your savings.

Change can be a good thing. Especially when it ends up in your savings account. Our Round Up Savings Program makes it easier than ever to build your balance.

Every time you make a purchase with your First Federal Visa® Debit Card, we'll "Round Up" your purchase to the next whole dollar amount. 

Enroll in Round Up Savings 


International Travel

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


Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards*, or begin building your credit history, we have the ideal card for you! All applicants must be 18 years of age, have a valid U.S. address and Social Security number.

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing 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. 
  • Plus much more!

*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. 


Apply Now

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 to manage your account online.
  • Other benefits
    • Coverage of auto rentals for collision and theft, select merchant discounts and more.

How's Your Credit?

Your credit score represents your financial reputation. Find out how you can improve yours and earn a higher score.

Credit Tips

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



Chat Status


Chat Hours:
Mon-Thur: 8:30 AM - 5:00 PM
Friday: 8:30 AM - 6:00 PM


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