Customer Service

Visa Debit Card

Report Missing or Stolen Debit Card, please call 1-800-472-3272.

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 Debit Card Service, please call 1-877-499-0572.

Visa Credit Card

To Report Missing or Stolen Credit Card (including while traveling abroad), to submit a disputed transaction, or for general credit card service, please call 1-855-609-3578.

To mail in credit card payments, send to

Visa Credit Card
PO Box 2711
Omaha, NE 68103


Customer Care is available Monday through Friday: 7:30 am EST - 7:00 pm EST

Amelia Island
(904) 321-2337

(850) 547-3624

(850) 638-7892

Dowling Park
(386) 362-3433

(850) 263-3225
(386) 792-2400

Lake City
(386) 754-0090

Live Oak
(386) 362-7990

(904) 653-5400

(850) 547-2736

(386) 294-1940
Panama City
(850) 257-2621

(904) 321-2337

LoanCare Customer Service

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


Email: Customer Care
This form will allow you to send a secure email to Customer Care 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 Debit or Credit Cards to Customer Care 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.