First Federal Bank values our banking relationship with you. We understand the sensitive nature of your personal financial information and take every precaution to protect your privacy. Trust, privacy and confidentiality are key to our relationship with you. We know that you expect us to uphold these keys to the highest degree and we work diligently to meet your expectations.
Your Privacy
Click here to read our Privacy Statement so you may understand our diligence in protecting your private information.
Your Security
With ever-increasing concerns of online safety and cybersecurity, First Federal has implemented many levels of security to safeguard your online information. Also, there are easy measures you can take to make sure your information is secure.
Protect Yourself
Online Banking Security
To provide assurance that your information remains confidential, our Online Banking system applies industry standard security protocols and uses TLS encryption for transferring data between your computer's web browser and First Federal. TLS is a security protocol used for transmitting information via the Internet. Modern web browsers such as Chrome, Safari, Internet Explorer, and Edge support TLS, and many web sites use TLS to securely exchange confidential user information, such as passwords and credit card numbers. TLS technology scrambles or "encrypts" information as it is transmitted between your computer and First Federal’s computer systems.
Encryption is the process by which information is transformed or coded into a form that cannot be read by unauthorized parties. This process prohibits unauthorized individuals from intercepting and viewing the information and is also referred to as a "secure session". You can tell you’re in a “secure session” with First Federal by the following:
- We require an 8 -17 character password with one upper case, one lower case and a numeric character.
- The website address at the top of your browser screen will change from "http" to "https".
Email is normally transmitted across the Internet unprotected and it could be intercepted and read by others. Please refrain from sending any private information to First Federal via unsecured email. In addition, First Federal will not ask for private information such as account number, social security number, or username over unsecure email. To send a secure message to First Federal, please use our secure Customer Service Chat line. The link to begin a secure online chat is located on the home page.
General Security Tips
Anyone can fall prey to fraud and identity theft. Below are some ways to minimize your risk. If you feel you may be a victim of identity theft, please contact your local authorities and our Customer Service Call Center immediately.
- Shred financial documents and paperwork with personal information before you discard them.
- Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out if only absolutely necessary.
- Don’t give out personal information over the phone, through the mail, through email, or over the Internet unless you know who you are dealing with.
- Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done to your house. At work, make sure to lock up all confidential information in a filing cabinet before you leave the office.
- Inspect your credit report and financial statements. Credit reports contain information about you, including what accounts you have and your bill paying history. Review financial accounts and statements regularly for charges you did not make.
- Be alert and take immediate action when:
- Your bills do not arrive as expected
- You receive unexpected credit card or account statements
- You receive unexpected denials of credit when you have not applied for credit
- You receive calls or letters about purchases you did not make.
Cybersecurity Awareness Tips
- Use a unique username and password for Online Banking that you never use anywhere else, i.e., webmail, social networking or any other online accounts. If hackers get the password for one of your online accounts, they will often try to use it to access other accounts.
- Never include your account number or Social Security Number as part of your username or password.
- Keep your computer operating system, Internet browser, and other software up to date. These updates often address security concerns. This is also true for cell phones and cell phone applications.
- Be cautious with how much personal information you share on social media profiles. Fraudsters can use these sites to collect your personal information to commit fraud.
- Email, phone and text messages are all popular places for scams. Fraudsters can spoof a sender’s email address or phone number to appear to be from you trust.
- Configure any new device with security in mind. Be sure to change default passwords, and beware that default settings are often intended more for an ease of use than to secure the device. Enable security settings that are made available and give extra consideration to those that control information sharing.
Identity Theft
Learn how to protect yourself from identity theft and fraud with some of our tips or through the resources below. If you think any of your First Federal account information has been stolen, please contact our Customer Service Call Center immediately.
Electronic fraud is just like any other type of fraud, it's a criminal pretending to be something they're not. This can mean emails with forged addresses or websites that are designed to look like legitimate businesses. These false solicitations always have one thing in common: they ask you to provide personal information, often by asking you to "update your account information" by providing Social Security numbers, credit card numbers, or other information. Once they have this information, it is easy for an experienced criminal to create a false identity for himself, using your name, and your credit.
Here are some common ways ID Theft happens:
- Dumpster Diving. Thieves rummage through your trash to find bills, credit card offers, and other paperwork with personal information on it.
- Skimming. Thieves steal credit and debit card numbers by affixing special storage devices on ATMs and gas pumps. Inspect all card readers before using them.
- Phishing. Thieves pretend to be financial institutions or companies and send spam or pop-up messages linking to fraudulent sites that ask for personal information.
- Changing your address. Thieves can divert your mailed statements to another location by completing a “change of address” form. First Federal and other companies request customers to switch to electronic billing to help prevent this.
- “Old-Fashioned” stealing. They steal wallets and purses; mail; pre-approved credit card offers; checks and tax information.
If you suspect you have been a victim of ID Theft, here is what you need to do:
- Close any accounts that have been tampered with or opened fraudulently.
- Call Customer Service of the company where the accounts were opened or changed without your okay. Follow up in writing, with copies of supporting documents.
- Use the resources available at the FTC's "Recovering from Identity Theft" page.
- Make sure to ask for written verification that the disputed accounts have been closed and fraudulent debts discharged.
- Place a “Fraud Alert” on your credit reports. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
- Equifax: 1-800-525-6285
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289
Privacy Policy
Updated February 2024
What we do - What does First Federal Bank do with your personal information?
Why? - Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? - The types of personal information we collect and share depend on the product or service you have with us. This information can include but is not limited to:
- Social Security number and income
- account balances and transaction history
- credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? - All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Federal Bank chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does First Federal Bank share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes— to offer our products and services to you |
Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates’ everyday business purposes— information about your transactions and experiences |
No | We don't share |
| For our affiliates’ everyday business purposes— information about your creditworthiness |
No | We don't share |
| For our affiliates to market to you |
No | We don't share |
| For non-affiliates to market to you |
No | We don't share |
What we do
How does First Federal Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We do not collect identifying information about visitors to our site; we do use standard software (“Cookies”) to collect information for the strict purpose of tracking activity on our site.
How does First Federal Bank collect my personal information?
How does First Federal Bank collect my personal information?
We collect your personal information, for example, when you
- open an account or make deposits or withdrawals from your account
- give us your contact information or apply for a loan
- use your credit or debit card
We also collect your personal information from other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes— information about your creditworthiness
- affiliates from using your information to market to you
- sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.
- First Federal Bank does not have any affiliates
Non-affiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- First Federal Bank does not share with non-affiliates so they can market to you.
- First Federal Bank does not share with non-affiliates so they can market to you.
Joint marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- First Federal Bank does not have any joint marketing agreements between nonaffiliated financial companies.
- First Federal Bank does not have any joint marketing agreements between nonaffiliated financial companies.
FFB Mobile Banking Privacy Policy
FFB Mobile Banking (the “App”) – powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
The App allows you to:
- get real-time balances for your accounts
- manage your money
- view your transactions and statements
- make transfers
- pay your bills and manage billers
- deposit a check
- receive alerts
- manage cards
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).
The Types of Information Collected in the App
Through your use of the Services, we may collect personal information from you in the following ways:
- Personal Information You Provide to Us.
- We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
- We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
- If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
- We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
- Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
- Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
- Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area.
- Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
- Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
- Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
- Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
How We Use Your Information Collected in the App
- General Use. In general, we use your personal information collected through your use of the
Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
- facilitate the creation of, and secure and maintain your account
- identify you as a legitimate user in our system
- provide improved administration of the Services
- provide the Services you request
- improve the quality of experience when you interact with the Services
- send you administrative e-mail notifications, such as security or support and maintenance advisories; and send surveys, offers, and other promotional materials related to the Services.
- Compliance and protection. We may use your personal information to:
- comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
- protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims)
- audit our internal processes for compliance with legal and contractual requirements and internal policies
- enforce the terms and conditions that govern the Service; and
- prevent, identify, investigate / deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
- Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
Disclosure of Your Personal Information
We disclose your personal information collected through your use of the Services as described below.
- In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
- Third Party Service Providers. We may share your personal information with third party providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
- Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
Links to Other Sites
The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.
Your Choices Regarding Your Information
You have several choices regarding use of information on the Services.
- How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
- Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
- Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
- Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
Safeguards and Retention
We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
A Note About Children
The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
Privacy Policy Updates
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.v
Other Important Information
For California Customers: In accordance with California law, we will not share information we collect about you with companies outside of First Federal Bank, unless the law allows. For example, we may share information with your content, to service your accounts, or to provide rewards or benefits in which you are entitled. We will limit sharing among our companies to the extent required by California law. For additional information regarding your rights, please refer to the Privacy Notice for California residents (www.ffbf.com/ccpa).
Questions?
Call 386-754-0090 or 386-362-7900 or go to www.ffbf.com
*Important Note: First Federal will not call and ask for private information over the phone. However, if you call a bank employee you may be asked to give private information in order to be assisted with any questions or concerns. First Federal does work in conjunction with Fiserv who processes our Visa debit cards. If Fiserv detects any unusual activity on your card, a representative will call you to verify the activity. This has been approved by First Federal.
