Customer Service

Report missing or stolen Visa Card

Visa Debit/ATM Card, please call 1-800-472-3272.

Visa Credit Card, please call 1-866-955-7842.

To report a missing or stolen card while traveling abroad, click here.

Disputed Debit Card Transaction Form

Click here if you think your card was used without authorization. First Federal will contact you within one business day to get any additional information we may need.

General Card Customer Service

Visa Debit/ATM Card, please call 1-877-499-0572.

Visa Credit Card, please call 1-800-248-9600.


Monday through Friday: 7:30 am EST - 7:00 pm EST

Someone is standing by 24/7 to help you with any debit card questions.

Amelia Island, Yulee
(904) 321-2337

(850) 547-3624

(850) 638-7892

(850) 263-3225

(386) 792-2400

Lake City
(386) 754-0090

Live Oak, Mayo, Dowling Park
(386) 362-7990

(904) 653-5400

(850) 526-4411


LoanCare Customer Service

Please call 1-855-499-6843 or click here for First Federal's LoanCare website.


Email: Customer Service
This form will allow you to send a secure email to Customer Service containing any questions about your account or any customer comments.

Online Chat:

Click here to begin chat

Chat is available from 7:30 am - 7:00 pm EST, Monday through Friday.

Please report all missing or stolen Visa/ATM Check or Credit Cards to Customer Service as well as any suspicious mail, email, or phone calls claiming to be from First Federal. Not sure if you’ve received anything suspicious? Visit our security section to learn more about ID Theft and fraud. Remember, First Federal will never contact you via email or phone to ask for confidential information.