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First Federal Bank

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up for First Fed Online.

First Fed Online Access Agreement

 

I. Introduction

II. Accessing Your First Federal Bank Accounts through First Fed Online
A. Requirements
B. Electronic Mail (E-mail)
C. Fees
D. Acceptance of the Electronic Disclosure Agreement

 E. New Services
F. Benefits of Using First Fed Online

III. Terms and Conditions
A. Your Online Password and Security Questions

 B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. Additional Terms and Conditions

IV. First Fed Online Payment Services
A. Using the Service
B. Bill Pay Fees

V. Mobile Banking

A. Using the Service

B. Mobile Deposit Capture

 

VI. General Terms
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information

C. Questions or Error Correction on First Fed Online Transactions
D. Electronic Fund Act and Regulation E

E. Other General Terms

VII. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your First Federal Bank Accounts

I. Introduction

 

This Online Access Agreement ("Access Agreement") for accessing your First Federal Bank accounts through First Fed Online explains the terms and conditions governing the Online banking services and bill pay offered through First Fed Online. By using the First Fed Online Services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of Missouri. The terms "we," "us," "our," "First Federal Bank," and "Bank" refer to First Federal Bank. "You" refers to account holder/and or signer operating in their duly authorized capacity as an owner, guardian, power of attorney, representative payee, trust, etc. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

 

First Fed Online can be used to access First Federal Bank accounts. The applicable account disclosure statement (“Deposit Agreement and Disclosure”) also governs each of your accounts at First Federal Bank.

 

II. Accessing Your First Federal Bank Accounts through First Fed Online

 

A. Requirements

To access your accounts through First Fed Online, you must have a First Federal Bank account and have completed the enrollment application.  All information entered in the enrollment process must match exactly the information First Federal Bank has on file.  A DBA (Doing Business As) account must be operating under a tax payer identification number, which must be the owner's Social Security Number to have access to these accounts.  First Federal Bank cannot enroll Minors, 13 years of age or younger or Two Signatures Required accounts. 

 

Once you have accepted this Access Agreement and your account information is verified, you may immediately have access to your account information.  If your enrollment is denied please contact the Internet Banking Representative at 816/241-7800.  

 

First Fed Online can be used to access only First Federal Bank accounts that you have designated for access in your enrollment.  You can delete any of your accounts from this agreement by selecting “My Profile”, Account Management, Trash Barrel on right side, and Yes to “Delete”.  To add accounts, selecting “My Profile”, Account Management, Add New Account and submit your request.  The next time you log in to First Fed Online the account you added will be available.

 

B. Electronic Mail (E-mail)

Sending electronic mail (E-mail) through First Fed Online is a way to communicate with the Bank.

E-mail is provided for you to ask questions about your account(s) and provide general feedback.

E-mail is accessible after you sign on, entering your correct sign on ID and password allows for a secured session within First Fed Online. TO ENSURE THE SECURITY OF YOUR ACCOUNT INFORMATION, ONLY USE E-MAIL FROM WITHIN FIRST FED ONLINE WHEN ASKING SPECIFIC QUESTIONS ABOUT YOUR ACCOUNT (S).

 

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within First Fed Online or call 816-241-7800. YOU MAY NOT USE E-MAIL TO REPORT “UNAUTHORIZED” USE OF YOUR PIN OR PASSWORD OR ANY “UNAUTHORIZED” TRANSACTION.  You may use email to report disputed bill payments.

 

C. Fees There are no monthly or transaction fees for accessing your account(s) through First Fed Online. See Section IV for a description of Bill Pay fees.  Please note that your internet service provider (ISP) may assess fees.

 

D.  Acceptance of the Electronic Disclosure Agreement

You must consent to electronic deliveries of disclosures.  First Federal Bank will make electronic disclosures or revised electronic disclosures available to you through the Mailbox feature of First Fed OnLine or in an email sent to you.  The email may contain the disclosure or revised disclosure or it may provide the address of the Internet web site or other location where the disclosure or revised disclosure has been made available. 

 

E. New Services

First Federal Bank may, from time to time, introduce new online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

 

F. Benefits of Using First Fed Online

With First Fed Online, you can manage your personal accounts from your home or office on your personal computer. You can use First Fed Online to:

  • View account balances and review transaction history.
  • Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).
  • Pay bills from your checking accounts to any merchant, institution or individual.
  • Receive billing information from Merchants electronically with eBills
  • Receive text alerts and payment reminders
  • Pay bills with our overnight delivery option
  • Communicate directly with First Federal Bank through E-mail.
  • View and print check copies
  • Receive eStatements

 

III. Terms and Conditions

 

The first time you access your First Federal Bank accounts through First Fed Online you agree to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure.

 

You also agree to receive periodic disclosures relating to your deposit accounts from First Federal Bank in electronic form, rather than in paper form.

 

A. Your Online Password and Security Monitoring

Your password must be at least eight characters.  For security, we require you create a password that utilizes both alpha and numeric characters, that you change your password regularly, and your password will not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, name of children, and you memorize this password and do not write it down.  This password can be changed within First Fed Online using the options button.   You may not use the same password for 12 consecutive password changes.

 

You are responsible for keeping your password, account numbers and other account data confidential. First Federal Bank will act upon your instructions received under your password.  First Federal Bank undertakes no obligation to monitor transactions through First Fed Online to determine if they are made on behalf of the accountholder.

 

An additional layer of security offers identity theft protection by making it difficult for attackers to steal a customer’s online identity.  In the rare case we detect any unusual or uncharacteristic activity, we will ask you to either answer security questions or you will receive a phone call from us to make sure that it’s really you. Most of the time you won’t notice the security feature is even there… but it will still be protecting you 24/7.

 

CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission.  AN IMMEDIATE TELEPHONE CALL TO US (816-241-7800) IS THE BEST WAY TO REDUCE ANY POSSIBLE LOSSES.

 

B. Payment Account

There are no fees for accessing your accounts through First Fed Online, initiating bill payments and receiving eStatements. You agree to pay promptly all miscellaneous fees and charges for bill payment services provided under this Agreement, and authorize us to charge your payment account for miscellaneous bill payment fees.

 

If you do not access your First Federal Bank accounts through First Fed Online for any one-year period, First Federal Bank reserves the right to disconnect your service without notice. Please note  your bill payment information will be lost if you are disconnected.

 

You agree to be responsible for any telephone charges incurred by accessing your First Federal Bank accounts through First Fed Online.

 

If you wish to cancel any of the services offered through First Fed Online, please contact First Federal Bank Customer Service at 816-241-7800 or send us cancellation instructions in writing to First Federal Bank, Attn: Customer Service, P.O. Box 419194 Kansas City, MO. 64141-6194.

 

C. Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree neither First Federal Bank nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, First Federal Bank, OR by Internet browser providers OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall First Federal Bank or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or access software.  See section (F) Additional Terms and Conditions for additional Liability disclosure related to First Fed Online Services.

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals

If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, POS transactions, pre-authorized transactions, First Fed Online transfers and bill payments, etc.) that you have requested for a given business day, then:

  1. Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
  2. The electronic funds transfers initiated through First Fed Online may result in an overdraft of your account and may, at First Federal Bank's discretion, be canceled.

 

In addition, you will be subject to the same overdraft charges that apply to your account.

E. Hours of Accessibility

You can access your First Federal Bank accounts through First Fed Online seven days a week, 24 hours a day. However, at certain times, some or all of First Fed Online may not be available due to system maintenance. You will be notified Online when this occurs.

F. Additional Terms and Conditions

 

  • Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as transactions are posted to your account.
  • Transferring Funds – One time Transfers requested for today are processed immediately until 7:00 pm on regular business days.Future dated or recurring transfers are processed at approximately 07:00 PM (Central Time) on the scheduled business day.RECURRING TRANSFERS FALLING ON A WEEKEND OR BANK HOLIDAY WILL BE PROCESSED ON THE PRIOR BUSINESS DAY.

 

The number of transfers from a savings account (MMA and Statement Savings) is limited as described in the applicable Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

 

  • Stop Payments

 

  • You may only request a stop payment on a paper check you have written (non-electronically).

 

  • The check number, date, amount, and payee must be exact for this order to be effective.Because of the large volume of items we process, First Federal Bank does not visually inspect each item.We use a computer system.Therefore, every one of the check item descriptions noted above must be exact or our computer system will not be able to identify the item, making this stop payment order ineffective.

     

    In requesting the stop payment of this check, the requestor agrees:

     

  • To pay First Federal Bank the current stop payment fee (as outlined within the ‘Service Fees” brochure) and to indemnify and hold First Federal Bank harmless from all expenses and costs incurred due to compliance of this request.
  • To notify First Federal Bank in writing to cancel this order if and when the reason for stop payment ceases to exist,
  • That closing of the account upon which this check is drawn shall automatically cancel this order,
  • That this order expires and is no longer in effect six months from date of delivery to First Federal Bank unless earlier released or renewed by the individual requesting this order in writing.

     

    It is understood that:

     

  • For each stop payment request, First Federal bank will mail a stop payment order confirmation.
  • If a third person (including all banking centers of First Federal Bank) becomes a holder in due course of this check, the third person may be entitled to enforce payment against the drawer,
  • If First Federal Bank does not have a reasonable time to act on this stop payment before First Federal Bank has accepted the item, or before First Federal Bank has paid the item in cash, or before the item has been deposited or received for deposit for credit in an account of a customer with the payor bank, then First Federal Bank may be entitled to enforce payment of this item against the drawer,
  • Due to missorting or misrouting, this check may have already been accepted by First Federal Bank and the bank may be unable to determine this until two days after acceptance.

     

  • Financial Institution’s / Consumer Liability – If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result.However, there are some exceptions.We will NOT be liable, for instance:

     

    • If, through no fault of ours, you do not have enough available funds in your account to make a transfer.
    • If a legal order directs us to prohibit withdrawals from the account.
    • If your account is closed, or if it has been frozen.
    • If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
    • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
    • If any electronic terminal, telecommunication device, or any part of the First Fed Online electronic fund transfer system is not working properly and you know about the problem when you started the transfer.
    • If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment.
    • If you have not properly followed the on-screen instructions for using First Fed Online.
    • If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.
    • If there is a delay or loss of payment(s) caused by the U.S. Postal Service or other commercial delivery systems.
    • If a Payee does not accept, mishandles or delays in handling payments.

 

IV. First Fed Online Payment Services

 

A. Using the Service

The First Fed Online Payment Service allows you to schedule bill payments through First Fed Online. You can schedule, at your option, for the payment of your current, future and recurring bills from your First Federal Bank checking account(s). There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of First Fed Online. We are unable to process any payment of taxes or court-directed payments through First Fed Online Payment Services.

 

By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide to us through First Fed Online.

 

When we receive a payment instruction (for the current or a future date), you authorize us to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible.  While it is anticipated that most transactions will be completed in a timely manner, it is understood that due to circumstances beyond the control of First Fed Online, particularly delays in handling and posting payments, slow-responding companies or financial institutions, some transactions may take several days.

 

For this reason, we recommend scheduling your payments at least (4) four business days before the actual due date, not the late date.  First Fed Online will use its best efforts to process all your payments properly.

 

You have the right to stop or change any scheduled payment. You must cancel the payment before the payment is processed.

 

Stopping the payment of a check is different from the cancellation of a bill payment.  Once the bill payment has been debited from your account, you CANNOT cancel or stop the bill payment.

 

Except as otherwise provided in this agreement, you (the consumer) may not stop payment of electronic funds transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.

 

First Federal Bank reserves the right to terminate your use of First Fed Online bill payment service in whole or part, at any time without prior notice.  If, for any reason, you should ever wish to cancel First Fed Online bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using First Fed Online or calling First Federal Bank's Bill Payment Customer Service toll free at 855-856-9297. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

 

Bill payments are not valid outside the United States, and can be made only in United States Dollars.  Payments to foreign addresses or in foreign currencies cannot be made.

 

Bill Payments are limited to $25,000.00 per transaction.

B. Bill Pay Fees

 

Standard Bill Pay Services are free of charge!

 

Additionally, you agree to pay any special charges in effect as announced by the Bank from time to time. These charges are in addition to the fees and service charges specified in your applicable checking and savings account agreements (for example, uncollected or overdraft charges on your checking account). If the payment account has insufficient funds to cover fees, the Bank may deduct the fee from any other checking or savings account linked to First Fed Online (in any order we may choose). If the fee cannot be paid, we may cancel your Bill Pay service. After cancellation, your Bill Pay service may be reinstated by contacting First Federal Bank Customer Service once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits.

 

 

V. Mobile Banking

 

First Federal Bank offers customers mobile access to account information (e.g., for account balances and past transactions) through the First Federal Bank Mobile Application (the Mobile App) and over SMS/text messaging.

 

A.   Using the Service

Mobile Banking through First Federal Bank may be accessed by downloading and installing the First Federal Bank Mobile App on a mobile device (data rates through your mobile carrier service may apply).  Mobile Banking users must first be enrolled in Online Banking (note that Online Banking can also be accessed through a web browser on a mobile device).  Mobile Banking allows the user to perform a number of banking functions such as:

 

  • Transfer of funds between First Federal Bank accounts
  • Transfer of funds from your checking account to an account at another financial institution through PopMoney (your account or an account owned by someone else)
  • Make payments from your checking account to a First Federal Bank loan
  • Make payments from your checking account to third parties using BillPay
  • Access account information such as balances and activity

     

    Users also have the option of receiving alerts (for example, a low-balance alert) through a mobile device by SMS/text message.  Enrollment takes place through Online Banking and requires identification and verification of the user's banking relationship as well as mobile phone number.

     

    Customers may select the type of alerts and other preferences which will determine, together with account data, the frequency of alerts delivered.  Message & data rates through your mobile service carrier may apply.  You may opt out of this program at any time.

     

  • Questions about this service:Call (816)245-4225, or send a text message with the word "HELP" to 61539.
  • To cancel the service:Text the word "STOP" to 61539.You will receive a one-time confirmation text message.

     

    B.   Mobile Deposit Capture

    Mobile Deposit Capture (“Mobile Deposit”) service allows for secure, convenient deposit capability  through a mobile device.  This service uses a smartphone’s camera to take a picture of the front and back of a deposit item and submit the images electronically to First Federal Bank for processing, clearing, settlement and posting.  This service will be accepted for use with most personal checking and savings accounts.  There are various limits, restrictions and guidelines with regard to this service as described below.

     

  • Deposit Limits:For each user within Mobile Banking, the total combined value of all items deposited in a single Business Day is limited to $2,500.00.No single deposited item may exceed $2,500.00.Deposits made after the daily cutoff time of 3:00 PM Central Time or on a non-Business Day (as explained in the “Funds Availability” section below) will apply to the daily limit of the next Business Day.

 

YOUR RESPONSIBILITY

With respect to each Electronic Deposit that you transmit to First Federal Bank, you indemnify and hold us, our affiliates and other Service Providers and each of our and their respective officers, directors, employees and agents harmless from and against any and all claims, demands, damages, losses, liabilities, penalties and expenses (including, without limitation, reasonable attorney fees and court costs at trial or on appeal) arising directly or indirectly:

 

From your failure to follow the eligibility or endorsement standards outlined in this Agreement;

 

From your breach of any check presentment representation or warranty;

As a result of any of your acts or omissions in the capturing, creation, or transmission of the Electronic Deposit;

From any duplicate, fraudulent, or unauthorized presentment of an Electronic Deposit;

 

For any loss caused by our acceptance of the Electronic Deposit in lieu of the original paper check; or

 

From any other act or omission arising out of our action or inaction taken pursuant to any request by you or pursuant to this Agreement.

 

If you believe you may have deposited a check more than once, please call us immediately at (816)241-7800.

 

You must comply with all security procedures for Mobile Deposit that are established by us or set forth in any written user requirements communicated to you.  You are solely responsible for maintaining your own internal security procedures for safekeeping, marking, and destroying paper items deposited using Mobile Deposit, and safeguarding the security and confidentiality of any information obtained from your deposited checks that may be printed from, stored on, or transferred from Mobile Deposit or Mobile Banking, or your other computer/data systems or portable media, and preventing errors or unauthorized access to Mobile Banking or the mobile device.

 

OUR RESPONSIBILITY

We will take reasonable measures to ensure that Mobile Deposit is available, but we are not liable for system failures or temporary service disruptions that cause Mobile Deposit to be unavailable.  We are not liable for any inaccurate or incomplete information with respect to transactions which have not been completely processed or posted using Mobile Deposit.

 

We are not liable for failure to process an Electronic Deposit, or any error that results in processing or collecting an Electronic Deposit:

 

For which you have not provided us with full and correct MICR data and dollar amount from the original paper check;

 

For which you have not provided an accurate and legible image of the original paper check;

 

For which you have failed to comply with formatting standards or other guidelines required by us; or

 

That would violate this Agreement or any other agreement between you and us.

 

DETERMINATION OF ELIGIBLE DEPOSIT ITEMS

Electronic deposit/check images may be made of items made payable to you individually or to you alternatively with another person or persons (John Doe or Jane Doe); jointly payable items (John Doe and Jane Doe) may not be deposited using Mobile Deposit unless both parties have endorsed the item (see additional endorsement standards below).  Without limiting the preceding sentence, we reserve the right to reject any deposit for any reason and the following items are specifically not eligible for deposit using Mobile Deposit:

 

U.S. Treasury Checks;

 

Checks, including travelers checks, that are drawn on banks located outside of the United States;

 

Checks payable in a medium other than U.S. dollars;

 

Non-cash items (as defined under Section 229.2(u) of Federal Reserve Regulation CC);

 

Promissory notes and similar obligations, such as savings bonds;

 

Third party checks;

 

Pre-existing substitute checks;

 

Checks that have been previously returned as unpaid or uncollected;

 

Checks drawn on your own First Federal Bank account;

 

Checks greater than 180 days old;

 

Checks that contain erasures or checks that have been altered; and

 

Any other class of checks or drafts as identified by First Federal Bank from time to time.

 

CREATING AN ELECTRONIC DEPOSIT

 

Endorsement:  The check must be properly endorsed by the payee(s) on the reverse of the check and the check must be deposited into an account owned by a named payee.  Along with the payee’s endorsement it is recommended to include the printed words “For Mobile Deposit.”

 

Accuracy:  You are responsible for creating an accurate check image and for entering the correct dollar amount of the check into the Mobile App through your mobile device.  MICR Data, the check number, and the name of the maker of the check must be commercially printed on the check.  Defects such as tears or alterations may prevent the mobile device from creating an accurate check image, causing the electronic deposit to be rejected.  If you receive error messages indicating that the electronic deposit has been rejected, the check must be physically deposited at your local bank branch or ATM.

 

Legibility:  You are responsible for the inspection of all check images to ensure the legibility of the check image including, without limitation, the dollar amount, the signature of the person who made the check, and for ensuring that any and all information on the paper check is accurately captured and legible in the resulting check image.  If any information is not accurately captured and legible after repeated attempts to capture an acceptable check image, you may cancel the mobile deposit.  Items that continue to yield an illegible check image after repeated capture attempts physically deposited at your local branch.

 

Security Features:  You acknowledge that the mobile device may not capture all security features (e.g., watermarks) contained in or on the original paper checks, and you must manually examine the paper item to determine authenticity prior to creating a check image or submitting an electronic deposit.  You agree to assume any and all losses resulting from claims based on security features that do not survive the image process.

 

SUBMITTING AN ELECTRONIC DEPOSIT

 

Confirmation and Receipt:  Shortly after submitting an electronic deposit (within a few minutes), you will receive a message “Deposit Pending.”  After we have confirmed receipt and processed your deposit, your deposit will be listed in your account transaction history.  Rejected deposits will prompt a message of “Deposit Failed.”

 

Performance of Mobile Deposit may be affected by external factors such as communication network latency, internet access, mobile signal strength and data connection speeds.  An electronic deposit is not considered “received” until the entire electronic deposit transmission is received by us and you have received a “Deposit Pending” message.

 

FUNDS AVAILABILITY

This policy only applies to deposits made using Mobile Deposit; deposits made at branch locations or by ATM remain subject to the funds availability policy outlined in the most current version of your deposit account agreement.

 

We are not liable for withdrawal transactions initiated by you before the deposited funds are available for your use.  Until confirmation is received the deposited funds are made available, you may not withdraw funds in cash and we opt not to use deposited funds to pay withdrawal items written by you or honor other withdrawals you request.  If we pay items that you have written or honor other withdrawals before funds are available to you, we may charge a fee for this.  Although Mobile Deposit is typically available 24-hours a day, funds availability of the approved deposits is subject to the following processing cut-off times:

 

For deposits submitted and approved before 3:00 p.m. CST on a Business Day, funds are generally available within 2 Business Days.

 

Deposits submitted after 3:00 p.m. CST on a Business Day (or items deposited on a non -Business Day) – these deposits will not be processed until the next available Business Day, which will be considered the recorded day of your deposit.  Generally, we will make your total daily deposits available within 2 Business Days.

 

At First Federal Bank’s discretion, the balance of the deposit may be delayed for a longer period under the following circumstances:

 

  • We believe a check you deposit will not be paid.
  • Your account has been overdrawn repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment.

 

You will be notified if your ability to withdraw funds is delayed for any of these reasons, and we notify you when funds will be available.  Generally, funds delayed for the above reasons will be available no later than the seventh Business Day after the recorded day of your deposit.

 

Please remember that even after item(s) have “cleared,” we have made funds available to you, and you have withdrawn funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposit.

 

By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.   Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless.  Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of First Federal Bank or any service provider.

 

Privacy and User Information.  You acknowledge that in connection with your use of Mobile Banking, First Federal Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”).   First Federal Bank  and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.   First Federal Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use.  You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations.  Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate:  (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by  First Federal Bank  (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of  First Federal Bank  or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose  First Federal Bank , any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party.  You agree that you will not attempt to:  (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps:  You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html, or other URLs as may be updated by Google.

VI. General Terms

 

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail).

The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or

written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

 

B. Disclosure of Account Information

Please refer to First Federal Bank’s Privacy Policy.  

 

C. Questions or Error Correction on First Fed Online Transactions

In case of Errors or Questions about funds transfers through First Fed Online involving your account, Call or Write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt. 

 

First Federal Bank

Deposit Operations Department

P.O. BOX 419194

Kansas City, MO. 64141-6194

Phone: (816) 241-7800

Business Days: Monday through Friday

Excluding Federal Holidays

 

We must hear from you no later than sixty (60) days after we sent the first statement on which the problem or error appeared. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

 

  • Tell us your name and account number
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
  • Tell us the dollar amount of the suspected error.
  • For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.

 

We will tell you the results of our investigation within ten (10) business days, or twenty (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90 days if the transfer involved a new account, point of sale transaction or foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.  We will tell you the results within (3) business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation and debit the amount of the error that we previously credited.

 

You may request copies of the documents that we used in our investigation.

 

  1. Electronic Fund Act and Regulation E

 

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

 

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account.  Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.  You should keep this notice for future reference.

 

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payment networks. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Example of these transfers include, but are not limited to:

 

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, Money Market Savings, statement savings, or 30-Month Variable Rate or 18 Month IRA Certificate account(s).

 

Preauthorized payments.  You may make arrangements to pay certain recurring bills from your checking, Money Market Savings, or statement savings account(s).

 

Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.

 

Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

 

First Info Line (Telephone) Transfers - types of transfers - You may access your account by telephone 24 hours a day at (888) 781-4092 using your account numbers, your personal identification number, and a touch tone phone, to:

 

  • Transfer funds from checking to checking
  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Transfer funds from savings to savings
  • Make payments from checking to loan accounts with us
  • Make payments from savings to loan accounts with us

     

    Get information about:

    • The account balance of checking accounts
    • The last five deposits to checking accounts
    • The last five withdrawals from checking accounts
    • The account balance of savings accounts
    • The last five deposits to savings accounts
    • The last five withdrawals from savings accounts

       

       First Federal Bank Access ATM Transfers- types of transfers and dollar limitations - You may access your account(s) by ATM using your First Federal Bank and personal identification number (PIN) or your First Federal Bank Check Acce$s card and personal identification number, to:

      • Make deposits to checking or savings account(s) by check only at ATMs we own and operate
      • Make deposits to checking account(s) with a debit card
      • Get cash withdrawals from checking or savings account(s) with your debit card
  • Get information about:
    • the account balance of your checking account(s) and savings account (s)
      • with a debit card

        Some of these services may not be available at all terminals.  

         

         

        Types of Federal Bank Check Acce$s card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

         

        Point-of-Sale Transactions - dollar limitations - Using your Check Acce$s card $2,500.00 per day for all account types.    

  •  

    Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your First Federal Bank Check Acce$s card in a currency other than U.S. Dollars, MasterCard International Incorporated will convert the charge into a U.S. dollar amount.  The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard International. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

     

    MasterCard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.  You agree to pay the converted amount in U.S. dollars, plus any charge for conversion or processing that may be imposed by the issuer (bank), plus any charge that may be imposed for an international transaction, regardless of whether there is actually a currency conversion.

     

    Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

     

    MasterCard Secure Code Program ® - When using your First Federal Bank Check Acce$s card to purchase goods or services over the internet, you may come across merchants that use the MasterCard SecureCode program. MasterCard SecureCode is a system designed to reduce disputes and fraudulent activity by ensuring that the person using your First Federal Check Acce$s card to purchase goods and service online is in fact you. The objective of the program is to improve the security of Internet transactions as well as cardholder and merchant confidence in Internet purchases. We participate in the MasterCard Secure Code Program and are proud to offer you this service. Prior to using the MasterCard SecureCode program you must register for the program. You may sign up for MasterCard Secure by going to www.ffbkc.com and follow the simple online instructions.

     

    First Fed Online Transfers- Types of transfers - You may access your account(s) by computer through the internet by logging onto our website at www.ffbkc.com and using your password and sign on ID to:

     

  • Transfer funds from checking to checking
  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Transfer funds from savings to savings
  • Transfer funds from line of credit to checking
  • Transfer funds from line of credit to savings
  • Make payments from checking to loan accounts with us
  • Make payments from checking to third parties with Bill Pay

     

    Get information about:

    • The account balance of checking accounts
    • The previous deposits to checking accounts
    • The previous withdrawals from checking accounts
    • The account balance of savings accounts
    • The previous deposits to savings accounts
    • The previous withdrawals from savings accounts

       

       Bill Pay Services - Bill Payment Services are available for checking and MMA (Money Market Account) only.  You can select Bill Payment Services from your checking or MMA (Money Market Account) to:

  • Transfer funds from checking to checking
  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Transfer funds from savings to savings
  • Transfer funds from checking to another account at another financial institution through PopMoney
  • Make payments from checking to loan accounts with us
  • Make payments from checking to third parties with Bill Pay

    Get information about:

  • The account balance of checking accounts
  • The previous deposits to checking accounts
  • The previous withdrawals from checking accounts
  • The account balance of savings accounts
  • The previous deposits to savings accounts
  • The previous withdrawals from savings accounts
  •  Pay anyone, anytime, anywhere within the USA.
  • Setup one-time or recurring payments
  • View pending payments
  • View payment history of your payee’s

 

Mobiliti Transfer – types of transfers – You may access your account(s) through the browser on your cell or mobile phone at www.ffbkc.com and by using the First federal App and using your password and sign-on ID to:

 

FEES - A fee is assessed (as stated in the “Access Agreement” brochure) for Bill payment Services.

We do not charge for direct deposits to any type of accounts.

We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

A fee is assessed (as stated in the “Service Fees” schedule) to replace a lost debit or ATM card.

 

NOTICE REGARDING ATM FEES BY OTHERS

When you use an ATM not owned by us, you may be charged a fee by the ATM operator [or network used] (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

 

DOCUMENTATION

Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminal. However, you may not get a receipt if the amount of transfer is $15 or less.

 

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (816) 241-7800 to find out whether or not the deposit has been made.

 

Periodic statements.

You will get a monthly account statement from us for your checking, Money Market Savings, Statement Savings and 30 Month Variable Rate CD.

 

You will get a monthly account statement from us for your 30-Month Variable Rate Certificate accounts, unless there are no transfers in a particular month.  In any case, you will get a statement at least quarterly.

 

For passbook accounts, if the only electronic transfers to or from your account are preauthorized credits, we do not send periodic statements.  You may request a print out of all transactions including electronic deposits that were made from the previous printout provided.

 

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so.  If you have told us in advance to make regular payments out of your account, you can stop any of these payments.  Here is how:

 

Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.  If you call, we may also require you to put your request in writing and get it to us with 14 days after you call.

 

Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.

 

Notice of varying amounts.  If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.  (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).

 

Liability for failure to stop payment or preauthorized transfer.  If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

 

FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers.  If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:

 

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If you have an overdraft line and the transfer would go over the credit limit
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If the circumstances beyond our control (such as fire or flood) prevent the transfer, despite

          reasonable precautions that we have taken.

  • There may be other reasonable exceptions stated in our agreement with you.

 

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

 

  • Where it is necessary for completing transfers; or
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders; or
  • As explained in our separate Privacy Disclosure

 

UNAUTHORIZED TRANSFERS

  1. Consumer liability.Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check.Telephoning is the best way of keeping your possible losses down.You could lose all the money in your account (plus your maximum overdraft line of credit).If you tell us within 2 business days after you learn of the loss or theft of your card and or code, you can lose no more than $50 if someone used your card and/or code without your permission.

     

    If you do NOT tell us without 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

     

    Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.  If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

     

    If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

     

    Additional limits on Liability for First Federal Bank Check Acce$s Card. You will not be liable for any unauthorized transactions using your First Federal Bank Check Acce$s Card if: (1) you can demonstrate that you have exercised reasonable care in safeguarding your card from risk of loss or theft, and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to us.  In the event you do not meet the conditions for zero liability, your unauthorized transaction(s) will be processed under the same consumer liability as noted above under (a) Consumer Liability. 

     

  2. Contact in event of unauthorized transfer.If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

 

You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.

 

ERROR RESOLUTION NOTICE

In case of Errors or Questions about Your Electronic Transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

 

  • Tell us your name and account number (if any).

     

  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

     

  • Tell us the dollar amount of the suspected error.

 

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

 

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account, 5 business days for unauthorized check card transactions processed by MasterCard), after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, point of sale transaction or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account, 5 business days for unauthorized MasterCard transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.  An account is considered a new account for the first 30 days after the first deposit is made, if you are a new customer.  We will send you a written explanation within 3 business days after we finish our investigation.  You may ask for copies of the document that we used in our investigation.

 

FIRST FEDERAL BANK

DEPOSIT OPERATIONS

P.O.BOX 419194, KANSAS CITY, MISSOURI 64141

Business Days:  Monday through Friday

Excluding Federal Holidays

Phone:  (816) 241-7800

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

E. Other General Terms

Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable State and Federal laws and regulations.

 

We agree to be bound by them also. First Federal Bank reserves the right to terminate this Agreement and your access to First Fed Online, in whole or in part, at any time without prior notice.

 

VII. Protecting Your Account

 

A. Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call First Federal Bank Customer Service at 816-241-7800.

 

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

 

Taking Care of Your Online Password - The password that is used to gain access to First Fed Online should also be kept confidential. It is recommended that you memorize this online password and do not write it down.  You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify First Federal Bank Customer Service at once at 816-241-7800.

 

B. Unauthorized Transactions in Your First Federal Bank Accounts

Notify us immediately if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. To notify us, call First Federal Bank Customer Service at 816-241-7800, or write First Federal Bank, Attn: Customer Service, P.O. Box 419194, Kansas City, MO. 64141-6194.

 

If your Online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a First Federal Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.

Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the statement was made available to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.