Security & Privacy


First Federal Bank of Florida 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 the keys of 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, know that 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.

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.


Your Security

Online Banking Security

To ensure that your information remains confidential, it is sent to First Federal securely utilizing Secure Socket Layer (SSL) technology. SSL is a security protocol for transmitting information via the Internet. Both Netscape Navigator and Internet Explorer support SSL, and many web sites use SSL to securely obtain confidential user information, such as credit card numbers. SSL 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 is unreadable to anyone except those who possess the decryption key. 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 -15 character password with one upper case, one lower case and a numeric charater.
  • An unbroken key or a locked padlock icon will appear at the bottom of your browser screen.
  • The website address at the top of your browser screen will change from "http" to "https".
  • You will be required to utilize a User ID and password to gain access to the site.
  • You will see the Secure Chat and Secure Email icon at the bottom of your screen.
In addition to our Online Banking and applications being securely encrypted, we also have a secure Customer Service Chat line. The link to begin a secure online chat is located on the home page.

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 User ID over unsecure email. To send a secure message to First Federal, please use our secure Customer Service Chat line or call Customer Service for Live Oak, Mayo, & Dowling Park at (386)362-7990; for Lake City at (386)755-0090; for Jasper at (386)792-2400, or Amelia Island at (904)231-2337.

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 you 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.
  • Never click on links sent in unsolicited emails; instead, type in the email address of the company or organization. Use firewalls, anti-spyware, and anti-virus software to protect your computer and make sure to update them regularly.
  • Don’t use an obvious password or PIN like your birth date, your mother’s maiden name, or the last four digits of your Social Security Number.
  • 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.


Identity Theft

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 ID Theft Affidavit at www.ftc.gov/idtheft to support your written statement. First Federal will provide you with a booklet of information from the FTC titled, “Take Charge: Fighting Back Against Identity Theft” that contains the affidavit and other pertinent information.
    • 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


*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 the Star Network who processes our Visa debit cards. If the Star Network detects any unusual activity on your card, a representative will call you to verify the activity. This has been approved by First Federal. The Star Network will never ask you for your Social Security Number.