First Federal Community Bank

Information may not be reliable

We are aware of a phone scam where customers are receiving a recorded call about their debit card being compromised and to provide their debit card account number to reactivate it. DO NOT provide any debit card account number or any other account information. If you have already provided info, please call our office at 419-562-7055 or 800-222-4955 immediately!

THE END OF TT&L COUPON PROCESSING IS COMING!
After December 31, 2010, First Federal will no longer be able to accept your TT&L coupon payments. The proposed IRS rule calls for businesses that currently use the Federal Tax Deposit coupon (IRS Form 8109) to pay their federal taxes to begin paying electronically as of January 1, 2011.
To enroll online, visit the EFTPS website at www.eftps.gov ... or to receive an Enrollment Form,

We provide a variety of personal checking accounts to match your financial needs and lifestyle. They provide you with detailed records and monthly statements to help you keep up with expenses and income. All checking accounts are insured by the FDIC.

This is an interest-bearing checking account that gives you unlimited check-writing privileges and no service charge when you maintain the minimum daily balance of $250. When your balance falls below $250 any day of the statement cycle, the monthly service charge is $10. A $250 deposit is required to open this account. There is no minimum balance requirement or service charge if 55 years of age or older.

For a fixed monthly charge, you can write all the checks you want! The account maintenance fee is $10 per statement cycle with no minimum balance requirement. A $100 deposit is required to open this account.

Does your employer offer direct deposit? If so, we have the perfect account for you. With direct deposit, there is no minimum balance requirement and no monthly service charge on this account. Your first order of 120 checks is free. The minimum opening deposit is $50. If no Direct Deposit is posted within 30 days, a maintenance fee of $10 will be charged.

If you do not anticipate writing a lot of checks each month, this account is designed for you. This tiered account earns a competitive rate of interest daily on your collected balance that is compounded and credited to your account each statement cycle. A minimum balance of $2,500 is required to open this account. If the balance falls below $250 on any day of the statement cycle, the account maintenance fee is $10.
Transaction limitations: Transfers from a Insured Money Market Gold account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per month.
Fees: A money market charge fee of $7.50 will be charged each cycle if more than six items clear during each monthly statement cycle.

Want to earn a higher rate of interest on your checking account? The minimum opening deposit is $50,000. Interest is earned on balances of $50,000 or greater. If the balance falls below $50,000, you will not earn interest. There is no service fee on this account, and it offers unlimited check-writing privileges. Visit any one of our offices for more information.

This account gives you unlimited check-writing privileges and no service fee when you maintain the minimum daily balance of $2,500. You must deposit $250 to open this account. If the balance falls below $2,500 on any day of the statement cycle, a service fee of $25 will be imposed. This account is great for partnerships, corporations, and other businesses.

With this program, your business can take advantage of several unique features, including free checking with a minimum balance requirement of $2,500. If the balance falls below the minimum at any time during the month, a flat fee of $25 will apply. Other features include unlimited check-writing, month-end statements, a free debit card, free overdraft protection, and free Internet banking. A “business review” will also be provided by bank personnel that will offer suggestions as to how you could manage your cash more effectively and also a review of existing company debt to determine if refinancing may result in lower rates of interest. This program also includes the availability of small-business and commercial lending services to qualified customers at competitive rates of interest.

We’re your neighborhood lending center, offering loans that make it easy for you to finance most any expense and committed to making it convenient for you to borrow the money you need to reach your dreams and goals. Whether your loan needs are large or small, long- or short-term, we’re ready to help you find financing that best suits your budget and borrowing needs.

We offer complete financing services on all types of automobiles and trucks, including both new and late-model used vehicles. Contact a consumer loan officer for more information.

We offer conventional home financing for terms up to 30 years with fixed or variable rates. Contact one of our mortgage loan officers for further details.

We’re able to arrange a loan for the purpose of constructing a new house and will help arrange one that lets you and your family build the home of your dreams with the best rates and terms available.

We can arrange a loan for you that is secured by the equity in your home. A home-equity loan lets you make major purchases with the added benefit of possible tax deductions at a competitive rate of interest.

We can make any type of home or property improvement loan, which helps you add a room, a deck, even install a new pool.

We can design a commercial loan to meet specific needs in the operation of a business. We urge you to visit us regarding money needs relating to expansion and development, commercial real-estate purchases, new equipment, investment opportunities, commercial lines of credit, agricultural purpose, operating expenses, etc.

We understand the importance of savings accounts to help our customers reach their personal financial goals or have cash reserves for unexpected emergencies. Whether you’re saving for the long-term or just putting aside a little cash for the holidays, we have the perfect savings plan for you.

This is a tax-exempt custodial account, established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. For 2007 and forward, the maximum annual HSA contribution is based on the statutory limit for your type of coverage. HSAs not only allow you to make contributions and earn interest tax-free, but the distributions are also tax-free so long as they are used for qualified medical expenses. If you’re eligible, it’s to your benefit to have one. Ours is a tiered checking account with unlimited transactions. You will receive a monthly statement, and there is no service fee. We will issue a debit card and give you the first 40 checks free. Contact us today to begin saving the smart way!

This account earns a rate of interest at the prevailing rate (subject to change at any time). Interest will be compounded and credited to your account quarterly. Statements will be mailed quarterly to help ensure proper balancing of your account. You must deposit a minimum of $50 to open this account and maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Transfers from this account to another or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. There is no monthly maintenance fee and no fee for withdrawals. If the savings balance is under $10 at the end of the quarter, there will be a $2 maintenance service fee.

By saving regularly in this account, you’ll know that the money for next year’s presents, festivities, or holiday travel will be there. Small amounts saved regularly can add up to a sizeable sum. Just choose the amount you wish to save each week, and watch it grow in time for the holidays. Visit any branch for more information.

Our fixed-rate Time Deposits enable you to take advantage of higher interest rates based on market trends. With a minimum deposit of $1,000, we can structure one from three to 60 months to fit your individual needs. We offer competitive rates with interest compounded and credited monthly. You have a choice of receiving your interest by check, depositing it into an existing account here, or adding it to this one. Please call for current interest rates.

Why lock in the interest rate on your cash at a fixed rate for two years when you can invest in a CD with an interest rate that moves with the Prime Rate? The interest rate is 60% of what prime is on the first of January, April, July, and October. The Prime-Time CD is variable-rate and is adjusted quarterly on the first days of April, July, October, and January. Interest is compounded quarterly and added to the CD quarterly. Checks and transfers will also be made quarterly. The minimum investment is $1,000, and the term is two years. Minimum additions of $1,000 or more may be deposited at any time except during the seven-day grace period. There is, of course, a substantial penalty for early withdrawal. Your deposit is insured by the FDIC. Ask for more information at any of our offices.

An IRA is a special savings plan that lets you put aside money you earned today to be used later for your retirement. We offer Traditional with tax-deferred and Roth with tax-free earnings. Contact us for more details!

Teller at a Touch provides 24-hour customer service at your fingertips! You can now access your account information any time of the day or night. All of your account information is only a phone call away with our automated account-information service.

To get info on any of your accounts, you need the 10-digit account number for which you are requesting info. If you have any questions regarding your account numbers, please contact us. To guarantee that no one can obtain your personal account info, you will be asked to enter your pass-code—the last four digits of the Social Security number of the primary account holder.

Do your banking and pay your bills online anytime it’s convenient for you! Online banking is safe and secure as all transactions are encrypted and password-protected. First On-Line offers the following:

Get started today! Simply print and complete the First On-Line Enrollment Form, then bring it to one of our nearest locations.

Print and complete the First On-Line Enrollment Form, and turn it in to our nearest office. ACH Origination requires separate application and approval. For under-50 transactions monthly, there will be a $50 one-time setup and $25 monthly fee. For 50-and-over transactions monthly, there will be a $100 one-time setup and $50 monthly fee.

If you want financial service that’s fast, at convenient locations, with hours to fit your schedule, you’ve got it with STAR ATMs. Access your account 24 hours a day, seven days a week with an ATM card that works only with your secret PIN. This card has no annual fee and no usage fee if used at an FFCB ATM; we’ll charge $1.50 for use at a foreign ATM. Other usage fees may apply.

For a checkbook that fits your lifestyle, as well as your wallet, apply for an FFCB Debit Card. It gives you a faster, more convenient way to buy the products and services you need. This card can be used anywhere VISA is accepted, as well as at the ATM. This card has no annual fee and no usage fee if used at an FFCB ATM; we’ll charge $1.50 for use at a foreign ATM. Other usage fees may apply. Debit cards are limited to $500/day for a cash withdrawal transaction and $1,000/day on a point-of-sale purchase. Debit cards are subject to approval.

For those busy customers who are unable to make it to the bank during normal business hours, we have a night depository for your convenience. Currently, the locations equipped with such are the Main Office and the East and New Washington branches.

Going on vacation? Don’t want to carry a lot of cash? We offer these for your convenience and peace of mind. Better yet, there is no service fee. Come see one of our customer service representatives for more information.

These days, it’s vital for many businesses to have the ability to accept credit and debit card purchases. We offer a card-services program that allows for businesses to do so. Not only does our card-service program help you meet your needs, it is very affordable. This program will allow for your business to process MasterCard, VISA, Discover and American Express for your convenience. Please contact a customer service representative for more information.

Are you looking for a gift that fits any occasion? We now offer the ability for you to purchase and redeem U.S. Savings Bonds. Visit any one of our offices for more information.

Registrar and Transfer Company is the transfer agent and registrar for First Federal Community Bank and maintains shareholder records for the company. Your account may be managed online via Investor Relations at www.rtco.com/inv, a cost-free web tool for shareholders, where you will be able to view your account details, update your account information, and process various transactions. You can contact Registrar and Transfer at: