Customer Service Messages

New Posting Time for Internet Banking Services

Starting February 7, enjoy extended hours for Internet Banking Services and ACH from 5 to 7 pm EST. Personal and Business customers will appreciate a later transfer time for Internet Banking, AIMEE Telebank, Consumer eDeposit, Merchant eDeposit, and ACH transfers now available up to 7 pm for same day posting.

Deposits or Withdrawals at ATMs

Effective January 19, 2011 our new cut off time for Debit and ATM withdrawal transactions is moving from 3:00 pm to 7:30 pm EST.

How does this affect you?

Funds from deposits made at ATMs, may not be immediately available for withdrawal. Deposits made before 7:30 pm EST on any business day will be posted that day. Deposits made on a day we are closed, will be posted on the next business day we are open. Please refer to First Federal's Funds Availability Policy or call Customer Service at (386) 754-0090 or (386) 362-7990.

Electronic Federal Tax Payment System

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:

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.

Changes in temporary FDIC insurance coverage for transaction accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

Temporary unlimited FDIC insurance coverage is not available for funds transferred via sweep arrangements or preauthorized transfers to an interest-bearing account from a noninterest-bearing transaction account. However, these funds are still covered under the FDIC's general deposit insurance rules.

For more information about temporary FDIC insurance coverage of transaction accounts, visit .

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 $2,000. 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 .

Please contact Customer Service if you have any questions.