Electronic Federal Tax Payment System (EFTPS)

The Electronic Federal Tax Payment System (EFTPS) is a free service from the U.S. Department of the Treasury to help business and individual taxpayers conveniently pay all of their federal taxes electronically. Quick, secure and accurate, EFTPS is available by phone or online 24 hours a day, 7 days a week.  You can schedule a business payment up to 120 days in advance or an individual payment up to 365 days in advance.  Visit web site to enroll: https://www.EFTPS.gov   

Making a loan payment?  Here's how. 

All loan payments must be accompanied by the account number or payment coupon provided. Loan payments must be sent to: P.O. Box 2029, Lake City, FL 32056 or 4705 U.S. Hwy 90 West, Lake City, FL, 32055. Loan payments may be made in person to personnel in any of our branch lobby locations. Our hours of operation for receiving loan payments are 9 am - 4 pm, Monday - Friday, except bank holidays. All other loan payments received from the Internet, on Saturday or after bank hours, will be credited as of the next loan operations business day or as otherwise permitted by law.

First Federal is participating in FDIC's TAGP

First Federal Bank of Florida is participating in the FDIC's Transaction Account Guarantee Program (TAGP). Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the TAGP is in addition to and separate from coverage available under the FDIC's general deposit insurance rules. Noninterest-bearing accounts include all checking account which do not earn interest, NOW checking accounts earning interest of no more than 0.50% and Lawyers' Trust Accounts ("IOLTAs"). First Federal is a member of the FDIC.

VISA Debit Card Changes

For your Security & Protection First Federal is changing how we approve VISA Debit card transactions. VISA Debit cards have daily purchase and cash withdrawal limits. We are decreasing the aggregate daily purchase limit on debit cards from $3,000 to $2000.  Daily ATM cash withdrawal limits of $500 are not changing. First Federal is also limiting international activity in problematic countries where fraudulent activity has increased.  To ensure that your VISA Debit card works properly prior to traveling abroad or making international purchases, please contact Customer Service at (386) 755-0600 ext.1985. These changes will be effective May 1, 2009. 

Go Paperless with First Federal!

We have recently updated our Paperless Communications (eStatement) Agreement to allow for all forms of account communications to be sent electronically instead of through traditional paper mail. These communications may include legal and regulatory disclosures, periodic disclosures, your monthly eStatements, notices or disclosures about changes in the terms of your account(s), or privacy policy notices. Click here to read the full Paperless Communications Agreement.

Enhancing Your Online Security

First Federal is adding new security to passwords used for Internet Banking and eCorp. Beginning November 24, 2008, all Internet Banking passwords will have to be 8 to 15 characters long, with at least one upper case letter, one lower case letter, and one numeric character.

NSF Notices

Beginning December 1, 2008, paper copies of Non Sufficient Funds (NSF) notices will not be mailed to customers.

If you are signed up for eStatement, you will receive NSF notices through email. You can also keep track of your balance through Internet Banking, AIMEE, First Federal ATMs, and by signing up for Low Balance Alerts.


Please contact Customer Service if you have any questions.