We have services that make your banking easier, faster, and more powerful than ever before.

Internet Banking

• View account information on all checking, savings, CD, loan and IRA accounts.
• View current day transaction history on all accounts.
• View check images up to 45 days after they have cleared the account.
• Previous statement and account details may be viewed up to six months.
• Transfer funds between your FFB accounts.
• FFB’s Internet banking is fully interactive with Quicken.®
• Detailed online help will answer questions about the system and its various options.

Paying Bills is Simple over the Internet
How easy is it to pay your bills over the Internet? Just look at the advantages you’ll get when you pay online:

• Pay anyone (except the IRS) in the USA.
• Payment may go electronically or by check.
• Payments guaranteed within three to five working days.
• Will hold transaction history up to one year.
• Recurring payments can be set weekly, semi-monthly or monthly.

Voice Access 24-hour telephone banking
With VoiceAccess, you can be in touch with your account 24 hours a day, 365 days a year. All you need is a telephone. It offers a convenient and fast response in a private and confidential manner. VoiceAccess is offered in both English and Spanish. The numbers for VoiceAccess are:

• Ruidoso/Capitan/Carizozo: 1-800-504-6007
• Roswell: 622-4141
• Las Cruces: 522-4141
• Alamogordo:1-800-504-7022
• Albuquerque: 1-800-504-6007
• El Paso: 1-800-504-7022

Checking, Dial 1

• Current and available balance
• History of checks and deposits
• Locate a specific check
• Receive a statement fax
• Transfer funds
• Interest paid YTD and last year

Savings, Dial 2

• Current and available balance
• Current interest rate
• History of deposits and withdrawal
• Receive a statement fax
• Transfer funds
• Interest paid YTD and last year

CDs, Dial 3

• Principal balance
• Maturity date
• Interest paid YTD
• Interest paid last year
• Rate information

Loans, Dial 4

• Current balance
• Interest paid YTD
• Interest paid last year
• Date and amount of next payment
• Date and amount of last payment

Product spotlight, Dial 5

• Product information
• Current rates
• Community service messages

Automatic Funds Transfer
Have one less thing to worry about each month. Set up an Automatic Funds Transfer and have your loan payment deducted from your checking or savings account at the same time each month. Avoid those late fees by allowing First Federal to AFT your loan payment today.

ATM/Visa Check Cards (subject to credit approval)
Have the power of a check and the convenience of a credit card all in one. With First Federal’s ATM/ Visa Check Card you will never be left without money. This card can be used at any FFB ATM machine to draw cash from your checking or savings account. The card will also be embossed with the Visa logo allowing you to use the card anywhere Visa is accepted in place of a check. By selecting credit at the merchant’s machine, your point of sale transaction will be deducted from your checking account. Daily limits are $200.00 ATM and $500.00 point of sale.

Overdraft protection
Cover your self in a pinch. First Federal Bank can connect your savings account to your checking account to cover any checks you forgot. With this service you will see no service charges or embarrassing returned checks. The system will automatically transfer funds from your savings account and deposit it into your checking account. Transfers will be based on the available balance in the overdraft protection account.

Direct Deposit/ACH
Do you receive a monthly retirement or military retirement check? Let us set up direct deposit for you and save you a trip to the bank. With direct deposit, your check will be electronically deposited into your account.