Q What is FFB Online? Is there a fee?

A FFB Online is a real-time online system that allows our clients a secure and convenient way to access their First Fidelity Bank accounts via the Internet. FFB Online is free.

Q How secure is FFB Online?

A State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, social security numbers, and tax ID numbers are never displayed on FFB Online.

Q How do I use FFB Online?

A After you enter your FFB Online ID and Password, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, select the function from the pull down menu for the account.

Q Can I change my FFB Online ID and Password?

A Yes, you can change your FFB Online ID and Password as often as you want. Simply click on “Options” and you will be able to change your Password, personal ID, email address, and select a personal question and answer for automatic password reset options. After entering your information click on “Submit.”

Q What if I enter the wrong FFB Online ID or Password?

A For security purposes, three consecutive invalid sign-on attempts will “lock you out." If you are locked out, you can contact one of our Customer Service Representatives at (405) 416-2223 OKC, (918) 728-6345 Tulsa, (602) 912-5555 Phoenix, or (800) 299-7047 Nationwide, 8am-7pm Monday-Friday, 8am-1pm Saturday (Central Time)

Q What happens if I don’t log off the system?

A You should always log out of the system if you are going to be away from your computer for any length of time. If you forget to log out, FFB Online will log you out after 10-minutes. Your current session will become inactive and you’ll be forced to log in again to use the system.

Q How current is the information in FFB Online?

A The information displayed in FFB Online is online/real time information. You will see transactions post to your account as they occur. The available balance in your checking and savings accounts will change throughout the day based on your activity. As you use your CheckCard, use an ATM, or transfer funds between accounts, your available balance will be updated to reflect that activity as it occurs.

Q Are there limits on the number of transfers I can make?

A It depends on the type of account you are transferring from. Some accounts, such as some checking accounts, have no limits on the number of transfers a client can make. However, some accounts such as savings accounts and Money Market type accounts by federal regulation, are allowed only a limited number of electronic transfers per month. Refer to the account disclosures you received when you opened your account or call one of our Customer Service Representatives at (405) 416-2223 OKC, (918) 728-6345 Tulsa, (602) 912-5555 Phoenix, or (800) 299-7047 Nationwide.

Q What can I do to keep my information secure?

A There are several things you can do to protect your Identification and Password.

• Do not use an obvious number or other accessible information for your FFB Online password.
• Ensure no one is watching when you enter your FFB Online ID and Password.
• Try to memorize your FFB Online ID and Password rather than writing them down.
• If you record your FFB Online ID and Password, store the document in a secure place.
• Do not share your ID and Password with others.
• Report any unusual account activity immediately.
• Do not give your information to anyone requesting it over the phone unless you have initiated the call. Never give your Password to anyone.
• Always log out of the system.

Q Who do I contact if I have a problem with FFB Online?

A If you have a problem with FFB Online, call one of our Customer Service Representatives at (405) 416-2223 OKC, (918) 728-6345 Tulsa, (602) 912-5555 Phoenix, or (800) 299-7047 Nationwide.

Q What is PowerPay?

A PowerPay is an online bill payment system that allows our clients to send electronic or check remittances to any business or person within the United States.

Q How many days in advance should I schedule my payment?

A Payments made by check should be scheduled 7-10 business days in advance of when you want the payment to actually be paid. Payments made by electronic payment should be scheduled 5 business days in advance of when you want the payment to actually be paid.

Q How do I know whether a payment will be made electronically or by check?

A When you add a payee, PowerPay will automatically search the Electronic Payee database. If your payee is listed, your payment will be made electronically. If your payee is not listed, you will set up your payee to be paid by check. Once you have set up the payee, you can look at the VIEW PAYEES screen, and you will see a field that will tell you if the payee is electronic or check.

Q When I pay a bill, when does the money come out of my account?

A If the payee is an Electronic Payee, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank – just as if you’d written it from your checkbook.

Q Do I need to re-enter payee information each month?

A Only if the payee information changes. The payee information will remain in PowerPay until you delete it. The only thing you will have to change each month is the amount you want to pay and the date you want the bill paid.

Q What happens if I have a scheduled payment that falls over a weekend or a holiday?

A If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday before the weekend or the last working day before the holiday. Payments entered on a weekend or holiday will be processed the next business day.

Q Can I postdate single or recurring payments?

A Yes. Set the payment date for any date in the future. If a monthly recurring payment is set up to be paid on the 15th and the current date is November 5th, a payment will be scheduled for November 15th and the 15th of every future month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

Q When and how are payments processed?

A Payments submitted before 2:00 AM CT Monday-Friday will be processed at 2:00 AM CT. Payments submitted between 2:00 AM CT and 12:00 Noon CT will be processed at 12:00 Noon CST. Payments received after 12:00 Noon will be processed the next business day. If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday before the weekend or the last working day before the holiday. Payments entered on a weekend or holiday will be processed the next business day.

Q How many payees may I have set up?

A There is no limit to the number of payees you can set up through PowerPay.

Q Who do I contact if I have a problem PowerPay?

A If you have a problem with PowerPay, call one of our Customer Service Representatives at (405) 416-2223 OKC, (918) 728-6345 Tulsa, (602) 912-5555 Phoenix, or (800) 299-7047 Nationwide.