To report a lost or stolen debit card after hours
For after-hours issues with
Tips for Safe Online Shopping
*Mobile Remote Deposit Capture available as of November 1, 2016! Deposit checks via the app!*
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We are very proud to announce the rollout of the First Federal iMobile application which is available
for both Apple and Android smartphones. At this point, its functionality allows for virtually everything
that you can do on our website. Enhancements such as, Remote Deposit Capture, taking a picture of a
check for deposit, to follow soon! Download our FFCB iMobile app today!
QUESTION AND ANSWER FOR CHIP CARDHOLDERS
A chip card is a standard-size plastic debit or credit card that contains an
embedded microchip, as well as the traditional magnetic stripe. The chip protects
in-store payments because it generates a unique, one-time code that is needed for each
transaction to be approved. It is virtually impossible for fraudsters to replicate this
feature in counterfeit cards, providing you greater security and peace of mind when
making transactions at a chip-enabled terminal.
No, you may hear chip cards referred to as "smart cards" or "EMV™ cards" - they
are all different ways of referring to the same type of card. Similarly, an EMV terminal
is the same as a chip-enabled terminal.
If you don't have a debit or credit card with chip technology today, you'll receive
one when your old card expires or needs to be reissued. Until then, use your standard card
with the magnetic stripe.
As chip technology will soon become the security standard in the U.S., many merchants are
beginning to accept chip cards and we want you to be ready. You'll have greater security when
making purchases at a chip-enabled terminal since the chip provides better protection against
counterfeit fraud. Chip technology is already used in over 130 countries around the world, including
Canada, Mexico and the United Kingdom, so you'll also enjoy greater acceptance when traveling internationally.
"EMV" is a trademark owned by EMVCo LLC.
It's easy. If the retailer has a chip-enabled terminal, simply insert the chip end of your
card face up into the terminal. The chip card will remain in the terminal while the transaction
is processed. To authorize your transaction, just follow the prompts as you do today.
You'll be prompted to enter your PIN or to provide a signature as you normally would to verify
the transaction. You may not be asked for a PIN when travelling internationally. Your card will
remain in the terminal until the transaction is completed.
If the retailer is not equipped to read the chip card, just swipe as you do today. However,
if you swipe your chip card at a chip-enabled terminal, the terminal may prompt you to insert your
chip card into the terminal. Transactions made over the phone or online will not change.
All of our cards are safe, and offer protection from unauthorized use of your card or account
information. Chip technology offers another layer of security when used at a chip-reading terminal,
because it generates a unique, one-time code that is needed for each transaction to be approved.
Yes, you can still make purchases as you always have - by entering the card number online or
swiping your card at merchant locations that do not yet have chip readers. You can also continue
to use your card at ATMs.
Many merchants, across the U.S. are beginning to accept chip card transactions and this will
continue to grow within the coming years. Chip technology is already used in over 130 countries
around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance
when traveling internationally. Your chip card will still work at terminals where only magnetic stripe
transactions are accepted.
Yes. Chip technology has been around for over two decades and is already the security standard in
many countries around the world. When purchases are made using the chip feature, the transaction is
more secure because of a unique process that is used to determine if the card is authentic. This makes
the card more difficult to counterfeit or copy.
While magnetic stripe cards are still considered secure, chip technology is the next step to providing
enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase,
you can have confidence in the protection and security features we provide for all credit and debit
Remember, if you notice any suspicious activity on your account, notify us immediately by calling the
number on the back of your card.
No. Chip card technology is not a locator system. The chip on your card is limited to supporting
authentication of card data when you make a purchase.
No. Instead of waving or tapping your card in front of a device as you do with contactless payments, a chip
card must be inserted face up into a chip-enabled merchant terminal. Remember to leave your card inserted into
the terminal while the transaction is processed.
Yes. You'll continue to enjoy the same benefits with your chip card as you do today with your debit or credit card.
We recommend that you set a travel notice on any card(s) you plan to use while traveling, so your card access isn't
interrupted. For your protection, we'll continue to monitor card activity even when a travel notice is set. If you
encounter any issues while traveling, we're here to help.
When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps)
will require a PIN. However, this type of PIN technology is different than what you normally use for PIN transactions in the
U.S and the card won't be accepted. In these situations, please locate an attended terminal to complete your transaction or
plan for an alternative payment method, such as local currency.
"PayPass" is a trademark owned by MasterCard International Incorporated.
"payWave" is a trademark owned by Visa, Inc.
Yes. You can continue to use your card as you do today by following the instructions at an ATM.
Additional information on chip cards: http://newsroom.mastercard.com/2014/01/17/six-things-to-know-about-chip-cards-emv/
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