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Message from the President


First Federal Community Bank has switched to MasterCard debit cards for the added security of chip technology. MasterCard is one of the original founders of the chip card standard known as EMV, short for EuroPay (now part of MasterCard), MasterCard and Visa. Chip cards are already in use around the world, and have been proven to reduce counterfeit fraud.

EMV chip cards have computer chips embedded in them. Chip cards better protect your account information from fraud. And every electronic payment - credit cards, debit cards, digital wallets - is almost always more secure than cash. The magnetic-striped credit and debit cards you are accustomed to contain "static" data, or payment data that does not change. The data stored in the magnetic stripes includes your 16-digit card account number, expiration date and 3-digit security code (CVC) like the one found on the back of your card. Chip cards contain the same data and more. Each purchase or transaction that you make generates unique data that is encoded in a safe mode.

• EMV helps protect you even if your card or your card data is lost or stolen.

• EMV makes it difficult for anyone but the rightful owner to use the card.

• EMV protects against the creation of counterfeit cards because unique data is only good for a single purchase or use.

See our Announcements page for more information on EMV chip cards.

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MAIN OFFICE: 119 S. Sandusky Ave., P.O. Box 749, Bucyrus, Ohio 44820   Phone: 419-562-7055   Fax: 419-562-5516   800-222-4955
MARYSVILLE: 251 Coleman's Crossing Blvd., P.O. Box 727, Marysville, Ohio 43040   Phone: 937-642-3421   Fax: 937-642-3859
NEOLC: 14779 Pearl Road, Strongsville, Ohio 44136   Phone: 440-580-4115