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Help Center – Online Banking & BillPay

What is Online Banking?

Online Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Online Banking, you can:

  • View real-time account balances, check images and history
  • Access checking, loans and CDs 24-hours a day
  • Export history to financial software or spreadsheets
  • Transfer funds between accounts
  • Pay bills online
  • Request stop payments

What do I need to bank online?

To get started, click the First Time Login, agree to the terms and conditions, complete the enrollment form and you’ll be banking online in no time at all.

Why can’t I sign in with my new password?

New passwords (or password changes) must always be done through a Browser such as Microsoft Edge or Google Chrome.  Once you have changed your password you can then continue using your mobile banking app.

What types of accounts can I view with Online Banking?

With Online Banking, you can view all your First Federal Savings & Loan accounts, as well as loans.

How often is my account information updated?

Account information is updated in real-time, offering you the most current information available.

How secure is my personal account information?

First Federal Savings & Loan uses the latest Internet security available, including secure communications (SSL), firewalls, 128-bit encryption, and operating systems that have been designed to provide maximum security.

Why am I signed off sometimes and I have to sign in again?

If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Can I pay my bills using Online Banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments, so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)

What type of account is required for Bill Pay?

Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?


How far in advance should I set up a payment to ensure it is paid on time?

We recommend that payments should be made at least seven (7) business days in advance of the due date of the payee.

Can I transfer funds between my accounts?

Yes, you can transfer funds between any of your First Federal Savings & Loan accounts.

Do I need extra software or hardware to use Online Banking?

No extra software is necessary. You can access your First Federal Savings & Loan accounts from almost any PC that has Internet access.

Will Online Banking work with my current Internet Service Provider?

Yes, Personal Internet Banking works with any ISP.

Can I access my accounts from both home and work?

Yes, you can access your accounts from almost any PC.

My bills are automatically taken out of my account. Why should I use BillPay?

BillPay puts you in charge of your finances. Using BillPay you choose how much and when a biller is paid. Any changes you need to make can conveniently be done from one place instead of going to each company’s website.

Who can I pay?

You can pay almost anyone in the United States: national bank card companies, mortgage or auto loan companies, department stores, your plowing company or the babysitter. However, individuals or businesses outside the United States and its territories are not eligible for BillPay services.

Can I setup automatic payments using BillPay?

Automatic payments are an option. You can set up reoccurring automatic payments in BillPay by choosing the date and amount you want them paid each month.

How are my bills paid?

Bills can be paid different ways in BillPay. Most payments are sent electronically from your account to the biller’s account. If the biller is unable to accept electronic payments or the amount is too large for an electronic payment, a check will be issued to the biller.

How do I delete a bill?

Deleting a bill is simple. Sign into your Online BillPay, navigate to BillPay and go to the Payment Center. Select the Company or Person and click on the “Details” link. Select the “Remove” option and save.

How do I see payment history?

You can view payment history through the “Activity” tab from the Payment Center, or by clicking on the “Activity” link of a company or individual.

How will I know if my bill has been paid?

To see if payments have been paid, select the “Activity” tab. You can also view the bill details by clicking on a payee in the Payment Center which will let you know the type of payment sent and if the payment has been received. If you need assistance, contact Customer Support.

How long does it take for the bills to be paid? Will my bills be paid on time?

Checks are mailed out 7 days before they are due in order to get to the biller on time.

I forgot to set up a bill, what can I do?

Same day payments are available for some billers for an additional charge. Next day payments are available to all billers for an additional charge. The additional charge amount will be displayed prior to authorizing the expedited payment.

How do I set up my bills?

Click on “Transfer & Pay”.  Pay your bills from your Online Banking and follow the steps. You may also view our Online Demo.

Can I see my BillPay history?

Yes, Bill Pay stores 7 years’ worth of payments.

Will I be notified about a scheduled payment once it is paid?

You won’t be notified when scheduled payment has been made. However, you can set up “Reminders” to keep track of upcoming bills by adding options like reminder emails for when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent.

Need Assistance?

If you have additional questions, contact First Federal Savings & Loan for assistance.

Report Lost or Stolen Card or Ask Questions

Within the U.S.  1-833-221-8637
Outside the U.S.  1-614-564-5105

Initiate a Dispute for Fraud or Non-Fraud Transactions