Other Services
Visa Debit Card
Use your free Visa Debit Card to check your balances, transfer funds, and withdraw cash 24 hours a day at ATMs across the country. Save the hassle of writing a check when you're out shopping - use your Debit Card to make purchases, and the money is drafted directly from your account. Just present your card, sign, and go wherever you see the Visa symbol. To get your free card, stop by any location. You may also apply by logging in to Online Banking, clicking the "E-mail" button, and then the link for "VISA Check Card Application."
- No charge per transaction at ATMs owned by First Federal.
- Make deposits at ATMs owned by First Federal.
- $2 charge for each transaction at ATMs not owned by First Federal.
- $1 charge for balance inquiries at ATMs not owned by First Federal.
- No charge for debit card purchases.
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Credit Cards
First Federal Bank gives you the opportunity to apply for a Visa credit card through First National Bank of Omaha (First Bankcard). Several credit cards are available with various features and services to meet your financial needs. Each credit card has a low introductory rate and free, convenient online account access. Apply online today - it's fast, easy and secure.
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Visa Gift Cards
First Federal makes gift-giving easy. Visit one of our convenient First Federal Bank locations to purchase the easy-to-give Visa Gift Card. You choose the amount and the recipient chooses what to buy. The gift card may be used anywhere Visa is accepted.
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Verified by Visa
Verified by Visa is an easy way to enjoy added security for all your online purchases. First Federal offers the service at no additional charge.
- Verified by Visa works with both Visa credit and debit (check) cards.
- Add a personal password to ensure only you can use your Visa card online.
- The service works at any Verified by Visa participating online merchant.
- When you checkout on a participating merchant Web site, you will be asked to enter your Verified by Visa password.
- Your information is transmitted using a high level of encryption and stored on a secure server.
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Bounce Protection
At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be an embarrassing and humiliating experience. At First Federal Bank, we want to do our part to save you from the possibility of ever having this occur. That's why we offer Bounce Protection, a special overdraft privilege for First Federal Bank checking customers. For more information, please contact the Account Information Center by e-mail at aic@ffbh.com or call 866-AIC-FFBH (870.365.8329 in the Harrison area).
Bounce Protection limits by account type:| • | Advantage Checking | ……… | $500 |
| • | Totally Free Checking | ……… | $500 |
| • | VIP Free Interest Checking | ……… | $500 |
| • | 50+ Free Checking | ……… | $500 |
| • | Premium Checking | ……… | $500 |
Please note that your Bounce Protection limit will be included in your available balance provided by Online Banking and VoiceLine 24®. If this limit is used, you will be charged an insufficient funds charge of $27.00 per transaction and your account must be brought to a positive balance within 30 days. NSF fees will apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
First Federal is not obligated to pay any item if your account does not contain sufficient funds. However, if you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days) and there are no legal orders outstanding, we may approve overdrafts within your current available Bounce Protection limit as a non-contractual courtesy. Overdrafts above and beyond your established Bounce Protection limit may result in a check(s) being returned to the payee with the standard $27.00 NSF fee assessed.
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Savings Bonds
You may purchase US Treasury Savings Bonds at any First Federal location. These bonds are registered securities backed by the United States government.
- Purchase in denominations of $50, $75, $100, $200, $500, $1,000, $5,000, and $10,000.
- No fees or commissions for purchasing savings bonds.
- Cash the bond (Series E, Series EE, and Series I) at any First Federal office.
Series E/EE Bonds
- EE Paper Bonds are purchased at a "discount," which means that the buyer pays half of the bond's face value. For example, a $100 Savings Bond will cost $50. EE Electronic Bonds purchased online from Treasury Direct are sold at face value. For example, a $100 Savings Bond will cost $100.
- Interest is periodically added to the amount originally paid to purchase the bond.
- The original investment plus interest earned on the bond is paid when the bond is cashed in.
- If EE Bonds are redeemed within the first 5 years, the 3 most recent month's interest will be forfeited.
- More information on Series E/EE Bonds.
Series I Bonds
- Series I Bonds are purchased at "face value," which means that the buyer pays $100 for a $100 Savings Bond.
- Bonds earn interest based on an inflation-index for up to 30 years.
- If I Bonds are redeemed within the first 5 years, the 3 most recent month's interest will be forfeited.
- More information on Series I Bonds.
Back to TopSafe Deposit Boxes
First Federal offers Safe Deposit Boxes at most of our locations for individuals, corporations, trusts, and non-profit organizations.
Sizes* and annual fees**:
| • 3x5 | .......... | $20.00 |
| • 3x10 | .......... | $35.00 |
| • 5x5 | .......... | $25.00 |
| • 5x10 | .......... | $45.00 |
| • 10x10 | .......... | $70.00 |
*Available sizes may vary by location; ask your New Accounts Representative for details.
**20% discount for auto debit of the annual fee from your First Federal account. Safe Deposit Boxes are not FDIC Insured, floodproof, or fireproof.
