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Other Services

Here are some of the additional services available to our valued customers.

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Direct Deposit

For Social Security, Pension payments or Payroll checks, Direct Deposit gets your money to the bank when you need it. Signing up is simple. Peace of mind has never been so easy.


  • No need to wait for the mail
  • No rush to the bank to deposit your check
  • Funds available the morning of your deposit, so you can access them immediately
  • Electronically deposited, for your safety and convenience

Overdraft Protection

Avoid paying costly overdraft charges for good. Overdraft protection provides you with the peace of mind that checks will not bounce or be returned. When you link an account with a minimum balance of $500 to your primary checking account, funds will automatically transfer to cover an unfortunate overdraft situation. Contact us to sign up for Overdraft Protection today!

No Worries

  • Avoid bounced checks with automatic transfers
  • Low fee of $5.00 per transfer
  • Links your Savings Account, Smart Saver Account, Super Saver Account, Money Market Account, or another Checking Account to help cover the amount of checks written.

Debit Cards

With a First Federal Visa® Debit Card, convenience takes on a new meaning. Pay for purchases, write fewer checks, access your cash, and carry less cash, for your safety. Also, with the Visa® Debit Card, make purchases wherever Visa® is accepted, without building up a monthly credit card balance.


  • 24-hour access to your money!
  • No annual fees…to save you money.
  • Link Checking and Savings Accounts for easy transfers and withdrawals
  • Free transactions at all FFSB ATM's.
  • Worldwide access, through the VISA® Network.
  • Opt in to authorize and pay overdrafts on ATM and everyday debit card transactions.

Register for Fraud Text Alerts Apply Now

*Visa is a registered trademark of Visa International Services Association. 

The NICE Life

We know that choosing a financial institution is an important decision in one's life. It's like choosing a friend and building a relationship with them. We appreciate the trust our customers have placed in us and the relationships we have built together. NICE Life at First Federal is our way of saying 'Thank You' to our customers for those relationships.

NICE Life offers an attractive variety of banking and travel benefits.

Membership Requirements

  • Age 40 or better
  • Combined banking relationship of $10,000 or more in Savings, Certificate of Deposit or Money Market accounts.

Membership Benefits

  • Earn additional money with alternative investment choices (not FDIC insured)
  • Enjoy the convenience of 
    • Debit Cards
    • Online Banking
    • Bill Payment
  • Travel with The NICE Life
    • Exciting one-day trips
    • Relaxing overnight tours
    • Use our toll free telephone number 1(800) 343-2491 for reservations
    • Monthly e-News with exciting one day and overnight trips and tours.
    • Travel on Your Own - Ask us today!
  • NICE Life local & family events
  • Photocopy service for important personal documents
  • One-year complimentary 3" x 5" x 22" safe deposit box (Corporate office only, not FDIC Insured)

To hear more about our successful NICE Life program or to begin taking advantage of any or all of these great benefits, see our monthly e-News, call 1-800-343-2491, or visit any First Federal Savings Bank branch location.


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Routing Number: 271972912

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