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Frequently Asked Questions (FAQ)

1.  Are my funds insured?

Funds on deposit with First Federal Savings Bank of Washington are automatically insured to at least $250,000.00 with the Federal Deposit Insurance Corporation (FDIC). Please contact your nearest Bank location for information on multiple account holders which may provide even higher levels of FDIC insurance coverage. Funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) no longer receive unlimited deposit insurance coverage but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information visit:

2.  Which government agency is First Federal's primary regulator?

The Indiana Department of Financial Institutions (DFI) and the Federal Deposit Insurance Corporation (FDIC).

3.  What is a federally chartered mutual savings bank?

A mutual savings bank does not have stockholders, but rather it is owned by its customer depositors. A mutual savings bank, like First Federal, is therefore established solely for the benefit of all bank customers.

4.  Does First Federal offer free checking?

Absolutely! A FREE checking account at First Federal has no monthly service fee and no minimum balance requirement. The opening minimum deposit requirement is only $100, and no minimum balance needs to be maintained after the initial opening deposit.

5.  Does First Federal offer any kind of overdraft protection?

For a small fee, you do have the option to set up an automatic transfer to "sweep" funds from another one of your First Federal accounts in the event of overdraft. Please contact us for details.

6.  What is the charge to use internet home banking?

Internet Home Banking is provided FREE of charge to approved First Federal consumer customers.

7.  Does First Federal offer mobile deposit services?

Yes! Mobile deposit is available to most First Federal consumer customers! Single check and daily thresholds apply. Special restrictive endorsement is required. Please contact us for details.

8.  Does First Federal Savings Bank offer an on-line bill pay service?

Yes! First Federal provides a FREE on-line bill pay service to most consumer customers with a checking account.

9.  What is Business Online?

Business Online gives your business the option to initiate payroll for your employees via ACH direct deposits and more!. Contact us for more details!

10.  Does First Federal offer Home Loans?

Yes! First Federal offers a wide variety of mortgage loans as well as consumer, commercial loans, and agricultural. Every loan product provides very competitive rates and attractive terms.

11.  Why is it a good idea to have Credit Life or Credit Disability insurance on my loans?

Credit insurance can help ease the financial stress that accompanies unexpected hardships. Credit Life insurance will pay off the loan in full in the event of death and Credit Disability coverage will make your monthly payment for as long as you are unable to work due to a covered illness or injury.

12.  What is a Home Equity Line of Credit?

A Home Equity Line of Credit (HELOC) is a loan that functions more like a credit card than a regular mortgage loan. Credit line limits are based on the equity in your home, and you can continue to borrow additional funds against your available balance as you pay the principal balance down. It may be the last loan you ever need!

13.  What's the major difference between a HELOC and a traditional Home Equity Loan?

A HELOC provides a revolving credit line that allows you to borrow additional funds whenever the need arises. Your monthly payment will vary based on your current principal balance and the interest rate. A regular Home Equity Loan provides you with a single loan proceeds check, and the monthly payment is based on a fixed interest rate and loan term so that your monthly payment will remain the same.

14.  What is a POS purchase transaction?

A POS or Point of Sale transaction is a purchase made with your debit card when you are required to enter your PIN on a keypad. These transactions post to your account immediately. On your statement a POS purchase will show the amount, the name and city of the merchant and possibly the merchant's address.

15.  How would I file a complaint?

You can contact our customer service at (812) 254-2370.
The following government agencies can also be contacted:
Indiana Department of Financial Institutions (DFI)
Consumer Financial Protection Bureau (CFPB) -
Indiana Attorney General (state laws) -
Federal Deposit Insurance Corporation (FDIC) -