Pocket-sized, convenient banking is here
Enhance your banking experience with online and mobile features available wherever you are!
Benefits You'll Love
- Streamline bill pay with one-time or recurring payments
- Securely deposit checks in just a few clicks
- Conveniently transfer cash within minutes using Zelle
- View and manage account from anywhere theres internet
Our Online Banking experience has a fresh, modern design and is fast and easy to use. Here are just a few of the exciting features:
- Enjoy a consistent look and feel across all your devices
- Easily find your most commonly used transactions
- Simplify your life with an easy-to-use Bill Pay experience
- Get a complete view of our finances, even your non-First Federal accounts
- Quickly find your most important data with our Search functionality
- Find a convenient branch or ATM wherever you are with interactive maps
Bill Pay
Tired of buying checks, stamps, and mailing bills every month? First Federal's Bill Pay is a free, safe, and secure way to pay bills online. Pay anyone in the United States that you normally would pay by check or automatic debit.
To use Bill Pay, you must first be enrolled in Online Banking and cookies on your device must be enabled.
With Bill Pay, you can:
- Request Expedited Payments
- You may expedite a payment by overnight mail*
- Retain up to 2 years (24 months) of Bill Pay history
- Set up E-Bills delivered right to you
- And, best of all, our Bill Pay is free!
E-Bills
An E-Bill is an electronic version of your bill that you can view inside Bill Pay and pay immediately. To set up E-Bills in Bill Pay, click on Set Up E-Bills, then follow the instructions. Log into online banking now to set up E-Bills!
Payment Processing Information
- The cut-off time for next business day electronic payment processing is 2:00 p.m. MT.
- In some instances, payments to certain payees may take slightly longer to process. Longer payment processing may occur when a payment is processed as a paper check. Check payments normally take four (4) business days to reach the payee. A check payment will clear your account after the payee's financial institution has processed the check.
- To determine how long a payment will take to reach the payee, click on the payee name and review the number of business days stated for the payment to arrive. Electronic payments generally process the next business day, if scheduled before 2:00 p.m. MT.
- Many payees are electronic and next business day payments can be made if the payment is scheduled before 2:00 p.m. MT. However, if you need to quickly pay an individual or business that is not paid electronically, schedule an Expedited Payment. This check payment will be sent by overnight mail to reach the payee quickly. A fee applies for an Expedited Payment.
- An electronic payment will clear your checking account on the day you choose the bill to be paid. That can be as quick as the next business day if the payee accepts electronic payments and the payment request is submitted before 2:00 p.m. MT. A check payment will clear your account after the payee's financial institution has processed this check.
Frequently Asked Questions
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Why does my mobile app keep asking me for a Secure Access Code?
Users who encounter this problem usually don't need to authenticate more than twice. After that, they can access the app as normal.
Why isn’t my mobile app working and saying it is requesting an update?
Updates are needed to keep your information in the app secure. Please uninstall and reinstall the app.
You can download the Apple (iOS) version here: Apple App Store
You can download the Android version here: Google Play
I cannot get online banking to respond in my web browser. Why not?
You may be using an older version of a web browser (Chrome, Internet Explorer, Firefox, Edge) which isn’t supported by the new online banking system. Please update your browser or download a different, more updated browser.
How do I remove the registration of a computer/browser?
Delete your cookies or just the cookies related to First Federal’s Online Banking site.
I registered a computer during a previous login, but the system is asking me to register it again. Why?
Your computer could be configured to remove cookies. Using a different browser on the same computer will also require you to authenticate again.
How do I change my online banking password after I’m logged in?
Within the navigation tab, click Security Preferences -> Change Password.
I am unable to receive a Secure Access Code (SAC) during my first login. What should I do?
It is likely that we don’t have the correct number listed on your account. Please call our customer service team at 208-733-4222.
I have a new cell phone number and I want to reset the number I use to receive Secure Access Codes (SACs). How do I update this?
You will need to call our Customer Service Center at 208-733-4222. They will be able to update your phone number.
How do I unlock my account after entering too many wrong passwords?
If you need help with your password, please call our customer service team at 208-733-4222.
I am not getting the Alerts I used to have.
You can review and manage all alerts by going to Settings -> Alerts.
I can see some of my payees in Bill Pay, but not all of them.
Inactive payees are hidden in the bill pay system. Click the drop-down arrow next to View All at the top of the bill pay screen. Click Show/Hide Billers. This will show all billers that are hidden. You can uncheck the box to have them displayed.
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Don’t see your question here? Reach out to our customer service team at 208-733-4222.
Along with Online Banking, we also have a mobile app for Apple and Android users. This app allows for access on the go, including mobile deposit options!
- You can download the Apple (iOS) version here: Apple App Store
- You can download the Android version here: Google Play
- Open First Fed App
- Click Menu Button and select Deposit Check
- Tap inside deposit account box and choose account
- Tap inside amount box and enter check written amount
- Sign back of your check and place it on a flat surface
- Take pictures of the front and back of signed check
- Click "Submit Deposit"
Need help getting logged in for your first time or looking to customize your experience? Our tutorials can help!
Learn how to customize your home screen in our new Online Banking system.
Monitor your credit score for free using Online Banking or the mobile app!
Stay on top of your credit the easy way! Online Banking features a free credit monitoring system that lets you check your credit on demand, see tips for improving your score, and sign up to get alerts when your credit score changes.
If you don't have Online Banking yet, click here to sign up! Once you're enrolled you can see your credit report on your desktop computer or by downloading the BankFirstFed Mobile App.
You can download the Apple (iOS) version here: Apple App Store
You can download the Android version here: Google Play
All credit products subject to approval.
Frequently Asked Questions
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What is SavvyMoney Credit Score?
SavvyMoney is a comprehensive Credit Score program offered by First Federal, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how First Federal can help save you money.
Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.
What is SavvyMoney Credit Report?
SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.
Is there a fee?
No. SavvyMoney is entirely free and no credit card information is required to register.
How often is my credit score updated?
As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.
How does the SavvyMoney Credit Score differ from other credit scoring offerings?
SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
Why do credit scores differ?
There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.
Will First Federal use SavvyMoney Credit Score to make loan decisions?
No, First Federal uses its own lending criteria for making loan decisions.
Will SavvyMoney share my credit score with First Federal?
No, your SavvyMoney Credit Score is a free service to help you understand your credit health, how you make improvements in your score, and ways you can save money on your loans with First Federal.
How does SavvyMoney Credit Score keep my financial information secure?
SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
If First Federal doesn’t use SavvyMoney Credit Score to make loan decisions, why do we offer it?
SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with First Federal.
What if the information provided by SavvyMoney Credit Score appears to be wrong or inaccurate?
The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.
There is a section on the site that features both First Federal product offers and financial education articles. Why am I seeing this?
Based on your SavvyMoney Credit Score information, you may receive First Federal offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.
Will accessing SavvyMoney Credit Score ‘ping’ my credit and potentially lower my credit score?
No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.
Does SavvyMoney offer credit report monitoring as well?
Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.
How do I change my email address or other personal information?
If you access SavvyMoney program through your online banking, you have to do nothing! Your email address will get updated automatically in SavvyMoney when you update it in online banking. However we always encourage you to inform your financial institution of any contact information updates.
If you signed up with SavvyMoney from our website, please log into the website and click on your name displayed on top right of the screen. Select the Profile link from the drop down, and follow instructions to update your information.
Can people use SavvyMoney on mobile devices?
Yes, SavvyMoney Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application.
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Easily Understand Your Finances
When it comes to achieving your goals—whether you’re hoping to buy a home, start a family, or plan for retirement—the sky is the limit… as long as you know your limits.
Realizing your dreams isn’t always easy. First Federal knows this and wants to help.
That’s why we’ve put comprehensive views of your financial information right within your online banking session. You’ll have effortless access to information like spending habits, debt, and trends revealed within your First Federal accounts—and you’ll also be able to import other financial data, such as non-First Federal account balances. You’ll have everything you need within one simple view, so that you can see the complete picture of where your finances stand.
There are no extra apps to install or additional tools to learn—it’s all presented simply within your online banking session, making financial planning an effortless part of your daily experience, so that it’s simple to budget better for the things in life that matter most.
You’ll get quick, easy-to-understand views of:
- Budgets
- Spending
- Net Worth
- Debts
- Trends
To get started, just log into your First Federal Online Banking today!
Spending
Displays your categories of spending for the time selected.
Budgets
There are two options for generating a budget: system-generated and user-created. The system-generated budget is based on your past few months of data. The more complete and accurate your categorization is, the more accurate your results will be.
Alternatively, you can manually create specific budget line items that you want to track.
Net Worth
Display information from your accounts available, either accounts with First Federal or those you’ve added into your view from other institutions.
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Trends
Provides an overview of spending trends over a period of time. This is especially useful if you are tracking a particular category of spending, such as eating out, and want a high-level view of your efforts.
Debts
See a list of all your debts in one central view. Modify your payment plan between popular payment strategies such as highest interest rate, lowest balance, and see the effect it could have on your timeline of being debt-free.
TIP #1
For a more complete picture of your finances, make sure to link your non-First Federal accounts!
Click on Link Account on your Online Banking Home Page, or within Financial Tools. Search for the account institution and provide your username and password.
TIP #2
You can hide accounts from your Financial Tools.
From the navigation Menu select Settings, Account Preferences, then select the account you would like hidden. Under the Account Visibility options, un-check Financial Tools. Repeat these steps for each account you want to hide.
TIP #3
Login to First Federal Online Banking and get started today!
If you aren't already enrolled in Online Banking: CLICK HERE
If you have any problems getting started, feel free to give us a call at 208-733-4222, and we'll be glad to help!
Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, regardless of where they bank1. Whether you're paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered. To learn more, click here.
1 U.S. Personal checking account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
GO GREEN! Receive your statements online with E-Statements.
- Access your E-Statements through Online Banking.
- Reduce your risk of mail fraud.
- FREE, secure, fast and convenient.
- Looks the same as paper statements.
- Receive email reminders when statements are ready.
- Easily print statements from your computer.
- Save statements to your computer.
- Includes images of checks and deposits.
PLEASE NOTE: If you are not receiving reminders that your E-Statements are ready for viewing:
- Verify that the email address in our system is the one to which you wish to have your reminders sent.
- Check your spam filters with your internet provider. Make certain that [email protected] is added either as a trusted "from" or a "safe sender" address to your email list.
- Check the spam and junk filters on your computer.
Please contact your internet service provider (ISP) for more detailed help with spam filters.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
Term | Interest Rate | APY |
---|---|---|
7-Month Rate Bump w/ Checking1 | 4.70% | 4.80% |
7-Month Rate Bump w/o Checking1 | 4.31% | 4.40% |
11-Month No Penalty2 | 4.12% | 4.20% |
3 Months | 4.36 % | 4.45 % |
6 Months | 4.51 % | 4.60 % |
12 Months | 4.60 % | 4.70 % |
18 Months | 4.41 % | 4.50 % |
30 Months | 3.35 % | 3.40 % |
4 Years | 3.06 % | 3.10 % |
5 Years | 3.20 % | 3.25 % |
$500 Minimum Deposit to Open.
Interest rates and APYs are accurate as of 6/3/2024 Rates are subject to change at any time.
Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Stated APY is current as of 6/03/2024.
1 If, during the original term of this CD, our CD rate for the same term increases, the account holder(s) may request a one-time increase to the originally disclosed rate. This request will not alter the original maturity date.
2 Earn 4.12% with an annual percentage yield (APY) of 4.20%. This APY is accurate as of 6/03/2024. This offering is for a limited time and subject to change at any time. $5,000.00 minimum deposit to open account. Interest will be compounded and credited monthly. Minimum deposits of $1,000.00 can be made at any time. Penalty-free withdrawals with a minimum amount of $1,000.00 will be permitted any time after the first six (6) calendar days of account opening. Total close-out required if account balance drops below $1,000.00.
Home Equity Loans
Product | Rate | APR |
---|---|---|
Home Equity Line of Credit (HELOC)1 | 8.250% | 8.251% |
Home Equity Loan2 | 6.375% | 6.378% |
1 HELOC stated APR Annual Percentage Rate (APR) subject to criteria, including automatic payment from a First Federal checking account. HELOC initial payment is interest-only. Line of credit is accessible for ten years followed by a fifteen-year repayment period. Variable interest rate may increase after consummation. Property insurance may apply. Maximum APR of 18.00%. You may also be required to pay certain fees to third parties (such as appraisers, credit reporting firms, and government agencies) to open a line. These fees generally total between $0.00 and $1,200.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties. In Idaho, the title insurance premium (if applicable) and mortgage recording tax will be based on the maximum amount of the credit line available to you, regardless of how much is advanced to you at any time. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.
2 Rates vary by qualification and term selected. Rate quoted is for liens in first position. Loans in second lien position will have higher rates
Jumbo Certificates of Deposit
Term | Interest Rate | APY |
---|---|---|
7 - Month Rate Bump w/ Checking1 | 4.79 % | 4.90 % |
7 - Month Rate Bump w/o Checking1 | 4.41 % | 4.50 % |
3 Months | 4.46 % | 4.55 % |
6 Months | 4.60 % | 4.70 % |
12 Months | 4.70 % | 4.80 % |
18 Months | 4.51 % | 4.60 % |
30 Months | 3.45 % | 3.51 % |
4 Years | 3.15 % | 3.20 % |
5 Years | 3.30 % | 3.35 % |
$100,000 minimum deposit to open.
Interest rates and APYs are accurate as of 6/3/2024 Rates are subject to change at any time.
Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. No minimum balance is required to obtain the disclosed APY. Fees may reduce earnings on the account.
1 If, during the original term of this CD, our CD rate for the same term increases, the account holder(s) may request a one-time increase to the originally disclosed rate. This request will not alter the original maturity date.
Kasasa Cash*
Balance | Minimum Opening Deposit | Rate | APY |
---|---|---|---|
0 - $15,000 | $x | 0.00% | 0.00% |
$15,000+ | $x | 0.00% | 0.00% |
All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Kasasa Saver*
Balance | Minimum Opening Deposit | Rate | APY |
---|---|---|---|
0 - $15,000 | $x | 0.00% | 0.00% |
$15,000+ | $x | 0.00% | 0.00% |
All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
SuperSaver Savings
Daily Balance Range | Interest Rate | Depending on Account Balance, Annual Percentage Yield (APY1) will: |
---|---|---|
$0.01 to $500.00 | 10.00% | Equal 10.47% APY |
NEXT $500 $500.01 to $1,000.00 |
5.00% | Range from 10.47% to 7.79% APY |
NEXT $1,000 $1,000.01 to $2,000.00 |
1.00% | Range from 7.79% to 4.40% APY |
Greater than $2,000.00 | 0.10% | Range from 4.40% to 0.10% APY |
1 To qualify for the Annual Percentage Yield (APY), the following requirements must be met during a monthly statement cycle: Minimum of one (1) Round-Up transfer2 from checking account; minimum of one (1) deposit of at least $30 or two (2) deposits of at least $15; no withdrawal transactions; receive e-statements. If eligibility requirements are not met, the interest rate will be 0.10% with an APY of 0.10%. Interest is compounded and credited monthly. $10 minimum opening deposit required. The APY is accurate as of 9/18/2023. The interest rate on this variable rate account may change at any time at our discretion. Each primary account holder is allowed one (1) SuperSaver account per tax identification number.
2 Round-Up transfers must be posted, not pending or processing.