Online Conveniences


Online Banking

Convenience is banking from anywhere at anytime - 24 hours a day, seven days a week.   First Federal's Online Banking system provides this 24 hour access, by viewing account balances and activity, making a loan payment, transferring money between your First Federal accounts, and viewing account history along with check images.  It's FREE, and a TIME SAVER!

You'll save money and your valuable time. Use it for paying your bills, keeping track of expenses and receiving your eStatements.


Your information and transactions are securely protected.  First Federal's Online Banking has several layers of security, including multi-factor authentication - providing added security by requiring multiple forms of identification.  Once we validate your enrollment information, we will mail your access information using the postal system.  Your Access ID and Password are the first line of defense, and are your unique identifier, needing both to complete your initial logon and begin banking online!  Once online, your transactions and personal information are secured by encryption.


Just click on First Time User in our Online Banking login box.  If you need assistance, call us at (419) 238-1463, or contact us on our website.  


Mobile Banking

First Federal's mobile banking design has intuitive and easy navigation, touch optimized screens and controls, remember me login, and more!  At home, at work and during travels, your banking is within hands reach.  You can get balance and history information at any time of the day, transfer funds between your First Federal accounts, make a deposit to your checking (coming soon!), or make a regular loan payment.  Access your accounts anywhere you are and perform convenient transactions, pay bills, person-to-person payments, or receive text and email alerts, all from your smartphone or tablet device. 


First Federal is now offering Mobile Deposit which allows you to deposit money into your checking account with your mobile device camera using the First Federal Mobile Banking App. Listed below is important information that you need to know at the time you are ready to use our Mobile Deposit Product:

  • Types of Checks: First Federal can only accept original checks payable to you, drawn on a U.S. bank in U.S dollars. We cannot accept the scanning of checks payable to others, duplicate images, any check that appears altered, traveler’s checks, foreign checks, any checks previously converted to “substitute checks” as defined in Regulation CC, any item that has been re-deposited or returned such as “non-sufficient funds” or “refer to maker” or returned checks for any other reason, postdated (items with future date) or stale dated checks (more than 6 months old).
  • Endorsement: Endorse the back of the check and add “For Mobile Deposit Only, First Federal Van Wert below your signature. All deposits are subject to verification and can be adjusted upon review.
  • Image Quality:  The quality of the check image shall accurately represent all of the information on the front and back of the original check.  Images must also meet any standards for image quality established by ANSI, Board of Governors of the Federal Reserve, or any other regulatory agency, clearing house or association.
  • Deposit Limits: There is an established $2,500 per day limit.  If you attempt to deposit in excess of these limits, your deposit may be rejected.  Lower limits may apply for newer accounts.
  • Funds Availability: Funds deposited before 3:00 p.m. EST on a business day (every day except Saturdays, Sundays, and Federal holidays) are normally available for withdrawal on the first business day after the day of deposit.  If you transmit an item after 3:00 p.m. EST, or on a day First Federal is not open, your deposit will be considered made on the next business day the bank is open.  For more information related to funds availability, refer to First Federal’s Funds Availability Policy.
  • Fees:  First Federal does not charge a service fee for using the mobile deposit process.
  • Destruction of Original Check:  Once you have deposited the check successfully, you should store the check in a secure location for 10 days.  After 10 days, and after you have confirmed the deposited funds have been applied to your account correctly, you must destroy the check.  Shredding the check will prevent it from being presented for deposit another time.  You will be liable for checks that are presented more than once.   
  • Receipt of Checks:  All mobile deposits are subject to verification and First Federal reserves the right to reject any item transmitted through Mobile Deposit, at our discretion, without liability to you.  In such a case, you will need to deposit the item using other means, such as visiting our office.  We are not responsible for items not received or for images that are dropped during transmission.  Receipt of such confirmation does not mean the transmission was error free, complete or will be considered a deposit and credited to your account.
  • Termination:  We reserve the right to deny access to the use of our Mobile Deposit Service without prior notice if it is unable to confirm your authority to access the service or we believe such action is necessary for security reasons. We may turn off the service if we suspect fraud, if you misuse Mobile Deposit, have excessive overdrafts or returned items, or for other reasons at our sole discretion.
  • Errors or Questions:  You must notify us of any errors (or suspected errors) related to the items deposited through Mobile Deposit as soon as possible after they occur.  You can contact us by calling 419-238-1463 or by visiting our office. 


Our Mobile Banking app has Touch ID support for iPhone users.  Touch ID support allows iPhone users a faster, more convenient way to log in to our mobile banking app.  Users can sign in to the app with their fingerprint - no need for a password!  You just need to turn it on in the "more" section.  When the logon screen displays to enter your password, just click on the touch id logo at the bottom of the screen and sign in with your fingerprint on the home button.  Passwords are still required to be entered to transfer money, etc.

You can access your check images by clicking on the orange check image picture by your check number!

When viewing loan account details, the Minimum Due and Due Date information display in the banner at the top of the transaction history.


Rest assured, First Fed Mobile is safe to use!  Smartphones such as iPhones, Android and Blackberry have a very controlled and secure operating system.  Just like Online Banking, Mobile Banking uses secured encryption and strong Firewalls – which protects from unauthorized or malicious intrusion, and uses your Username & Password for access.  Your account will lock down after 3 incorrect attempts from your mobile device - just like online banking.  Also, First Fed Mobile uses additional Security Q&A authentication for ongoing access to your account.

Nobody wants their phone lost or stolen, but in the rare case that it does, you should know that your mobile banking access is secured.

No personal info from your Mobile Banking account is ever stored on the phone. Your password is never stored.  Your login session automatically times out after 20 minutes of inactivity.

Access to a phone or a tablet can be prevented (suspended) if the device is reported as lost or stolen.  Access can be un-suspended to restore mobile services, or the phone or tablet can be de-registered permanently.


It’s really easy to get First Fed Mobile Banking - you just need a smartphone (iOS, Android, BlackBerry), a web-enabled device (mobile browser), or standard mobile device with text capabilities.*  You must first be enrolled with First Federal's Online Banking product to have access to Mobile Banking.  You can then enroll via Online Banking or simply find our app in your device app store or Google Play (search for First Federal Van Wert).  To later access your mobile banking selections, click on "Options" within Online Banking, go to your Mobile Banking Profile, and select "Manage Devices".  To receive any text or email alerts, click on the eAlerts button within online banking (eAlerts can not be set up from First Fed Mobile).  If you need assistance, call us at (419) 238-1463.    

*Messaging and Data Rates May Apply.  Check with your mobile phone carrier for details.


First Fed Bill Pay & Popmoney® Service within Online Banking*


On Desktop

  • See when a check has gone stale - you will receive notifications when checks have not been cashed by the recipient.
  • Enhanced AutoPay Management
  • A great display of payees
  • Information about withdrawal dates, delivery status, and delivery dates
  • Ability to review the send method - such as electronic, check or Popmoney®
  • Allow multiple payments from different accounts with ease
  • Includes Feature Ribbon links located on each payee row of the Payment Center:
         - Activity, Reminders, AutoPay, and eBills
  • Popmoney® features with great choices for paying bills and friends 

On Mobile

  • Pay a bill taking a picture of it - You will be able to take a photo of a bill, review its details, and pay it.
  • Add contacts and billers - Sending and receiving money is easy importing contacts from your mobile phone.
  • Review pending activity - To confirm a payment has been scheduled, review your pending payments at the touch of a button.

Pay your bills online during the times that are most convenient for you.  First Fed Bill Pay is a quick and secure way to schedule electronic transfer of funds from your First Federal Checking account any time - day or night.  Save time with fewer trips to the post office, and save money with no envelope, postage cost, and check costs.  You can choose to establish your bills to be scheduled to be paid at a later date, or set up recurring payments automatically.  Call (800) 877-8021 for Online Bill Pay assistance in paying your bills anytime 7:00 am until 1:00 am EST. 


To access First Fed Bill Pay, you'll first need an online banking account.  After logging in to your online banking account, click on the First Fed Bill Pay option and follow the sign up process.  After you are signed up, you will also have access through your mobile device.  


Popmoney can be used!  Experience a new way to send money.  Bill pay and Popmoney® features are integrated together. First Federal offers Popmoney®, the personal payment service that lets you send money to friends, family or anyone at all such as your landlord, your cousin, or your co-worker.  They can simply receive the money into their bank account online.  You can now even use it to request money, and allows you to initiate a request for money to split a bill!  It's the new way to pay and get paid!  All you need is their name and email address or mobile number to move money from your bank account directly to someone else's.  Your account information will not be shared.  The recipient will only see your first name, last name, and the message you wrote for the payment.

The following are just a few of the convenient ways that you can use Popmoney:

  • Send money to your child at college
  • Send a gift to family and friends
  • Reimburse friends for that fun outing
  • Pay your babysitter or your lawn care service
  • Pay your shared phone bill to a family member
  • Splitting an Expense feature allows you to initiate a request to split a bill by entering who, how much, why, and deposit info
  • Quickly claim incoming person to person payments from friends without leaving Bill Pay
  • Turn on Auto-Deposit - you never have to worry about remembering to claim personal payments.  The funds are automatically deposited into your accounts
  • Manage Recurring Payments - now you can schedule recurring person to person payments so it's easier than ever to send money 

Just sign in to online banking, select bill pay and register for Popmoney.  You will also have access through your mobile device.

* A fee may be charged for each Popmoney transaction or any expedited delivery methods.  Fees for the transaction are displayed below the amount field prior to sending.


eStatements within Online Banking


As an online customer with eStatements, you can view your bank statements in just seconds with the click of a mouse wherever and whenever you would like.  Our Electronic Statements include the same information as paper statements, without the clutter.  It's simple! You are notified by email when your statements are ready to view online.  Just sign onto our secure online banking web site.  No need to deal with paper based statements.

 Go Green Poster



  • It's free!  There is no cost for eStatements.
  • Speed - Faster access with no waiting on the mail to obtain your bank statements and no need to contact us for statement reprints.
  • Less Paper - eStatements look just like regular printed statements.  Environmentally friendly!  No paper means no trees are being used for your statements!
  • Convenience - Access online statements with 18 rolling months of statement history at your fingertips.
  • Security - Gone are the frustrating days of keeping track of old paper statements and worrying about shredding.  Your eStatements will not be lost or stolen in the mail.





Go Green! Sign up through your First Federal Online Banking account, then click on eStatements to register today.   Not a current online banking customer?  Just click on First Time User in our Online Banking login box on our homepage.  If you need assistance, call us at (419) 238-1463 or contact us on our website with any questions.


Overdraft Coverage


First Federal is online (real-time) with ATM and debit card transactions, which means that these transaction amounts are immediately deducted from the available balance on your account.  Real-time helps you manage your balance, and we can better accommodate our customers when accounts are inadvertently overdrawn.  We want our customers to avoid the hassle, costs, and other adverse consequences of having a check bounce or a transaction denied. 

In following Federal Reserve rules that give debit and ATM card users options regarding overdrafts, we must offer you the ability to make decisions about overdrafts for transactions made with your debit or ATM cards.

We have available a separate notice, "What You Need to Know about Overdrafts and Overdraft Fees" Opt-In Authorization Form which is your explanation about how we treat overdrafts.  See below for how to revoke an authorization.  Here are some general key facts that you need to consider about overdrafts.


An overdraft occurs when you write a check, use your debit card to make a purchase, withdrawal money from an ATM, or make an automatic bill payment or other electronic payment but don't have enough money in your checking account to pay for it. If the item is paid by the bank even though you don't have the money in your account, you may be charged an "overdraft" fee.  If your check is returned without paying it, you may be charged a "bounced check," or "nonsufficient funds," fee.  These fees can apply each time you overdraw your account.  In addition, when a check bounces, you usually have to pay a "returned-check" fee to the person receiving the check back, plus resolve the issue and make a second payment.  This is in addition to the bank fees.  There are ways to help avoid these errors.


Manage your account so you don't overdraw it.  Only you know how much money is available in your deposit account and what payments have been initiated – whether by check, ATM transaction, debit card or regularly scheduled electronic payments.

  • Keep track of how much money you have in your checking account by keeping your check register up-to-date.  Record all your transactions, subtract fees, and review your account statements each month.
  • Pay special attention to your electronic transactions.  The convenience offered by today's banking system and the speed of payments brings more chances to lose track of your current balance.  Sometimes there are two or more people in a family conducting transactions on the same account.
  • Don't forget about automatic bill payments you may have set up for utilities, insurance, or loan payments.
  • Knowing your balance and what transactions have been authorized but are not yet reflected in that balance are very important to avoiding overdrafts.  Even if you don't always keep an up-to-date record of your transactions and balance, it is easy to check by phone, ATM, accessing online banking, or setting up eAlerts to receive low balance email notifications.
  • Carry a Cushion - Making sure you have more money in your account than you will spend is the best way to avoid overdrafts.
  • Sometimes mistakes happen.  If you overdraw your account, deposit money into the account as soon as possible to cover the overdraft amount plus any fees to avoid additional overdrafts and fees. 


You choose. We must first get your permission to apply our standard overdraft practices to everyday debit card* and ATM transactions before you can be charged overdraft fees. To grant this permission, you will need to respond to the notice and opt in (agree).

*everyday debit card transactions - purchases made with your debit card on a day-to-day basis (excludes all checks and automatic bill payments)

Existing accounts. If you do not opt in (agree), our standard overdraft practices won't apply to your everyday debit card and ATM transactions. These transactions typically will be declined when you don't have enough money in your account, but you will not be charged overdraft fees.  If the bank, at its option, covers an ATM or point-of-sale (POS) item when your account is overdrawn, under the rules the bank cannot charge you an overdraft fee if you do not opt-in. 

Flexibility. Whatever your decision, these Federal Reserve mandated overdraft rules give you flexibility. If you opt in, you can cancel at any time. If you do not opt in, you can do so later.

Checks and automatic bill payments. The rules do not cover checks or automatic bill payments that you may have set up for paying bills such as your mortgage, rent, or utilities. We may still automatically enroll you in our standard overdraft practices for these types of transactions.




ATM and Point of Sale Debit Card Purchases

As a First Federal customer, you have a choice whether to opt-in to our overdraft program.  By choosing to opt-in, the bank can cover your overdraft on point-of-sale (POS) or ATM transactions that exceed your account balance. However, you will pay an "overdraft" fee for each item.  This choice is part of Federal regulations which provide certain protections for bank customers when their deposit account(s) are overdrawn. 

Standard overdraft practices. We do authorize and pay overdrafts for checks and other transactions made using your checking account number, and automatic bill payments.  We do not authorize and pay overdrafts for everyday debit card and ATM transactions unless you ask us to (opt-in).  We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  We will charge you a fee of up to $25 each time we pay an overdraft.  There will be no per item overdraft fee when your account is overdrawn by $5 or less at the end of our business day.  If the account is overdrawn by more than $5 there will be a charge of $25 per item paid or returned, with a cap of no more than $100 per day in overdraft/nonsufficient charges.

For example, if you opt-in, we can cover your transaction for a flat fee of $25 each time you overdraw your account.  If you make a purchase with your debit card for $75 but only have $50 in your account, your account will be overdrawn by $25 and an overdraft fee will be charged.  If you then make an ATM withdrawal for $50, your account will be overdrawn by $75 and you will be charged another fee.  In this example, you will pay a total of $50 in fees.


Just complete the First Federal "What You Need to Know about Overdrafts and Overdraft Fees" Opt-In Authorization FormIt's simple and easy... and could save you time and money in the long run.


Just complete the First Federal Revoke Opt-In Form.


Overdraft protection plan. We offer a link to your savings account to cover transactions when you overdraw your First Federal account for overdraft transfer protection. We charge a fee each time you overdraw your account, but this overdraft protection plan may be less expensive than our standard overdraft practices.

We will transfer the amount needed to cover your transaction (once per business day).  You must have enough available in your linked savings account to cover the overdraft plus a $5.00 transfer fee for the transfer to occur.  Transfers can occur by specific amount or multiples of $100.  If you are interested in our overdraft transfer protection, just stop in to our First Federal office to complete an Overdraft Transfer Authorization Form.