Welcome Urbana Members!

First Federal is a federally insured Credit Union whose shares are insured by the National Credit Union Administration (the “NCUA”), a U.S. Government agency backed by the full faith and credit of the U.S. Government. First Federal is a not-for-profit cooperative owned by the members whose profits cycle back to the members. First Federal is the state’s second-oldest Credit Union and exists to create lasting value for those we serve and have been taking great care of our members since forming back in 1926. We serve our members in the counties of Benton, Buena Vista, Clay, Dickinson and Linn.

Through this transaction you will continue to have access to the existing products and services offered to you today, as well as gain access to an expanded suite of consumer financial services, including mortgage and personal loans, credit cards, and robust online and mobile services. As a member-owned, not-for-profit financial cooperative where profits cycle back to the members, First Federal can offer competitive savings and loan rates and return excess capital to members when the Credit Union performs well.

The merger will be complete April 7, 2022.

Once the merger is completed on April 7, 2022, you will be able to visit any of our branches for your banking needs.

For a map and a complete listing of all our locations, visit www.firstfedcu.com/locations.

If you have an NSB checking account in the Urbana branch, you will be receiving a new First Federal debit card. A new debit card will be mailed to you closer to the effective date of the transition. Your NSB debit card will cease to work as of the effective date of the transition.

Your new First Federal debit card can be activated on April 7, 2022.

If your NSB debit card expires prior to the merger date of April 7, 2022, please contact NSB for a replacement card.

Yes. You will need to enroll in First Federal Credit Union’s Online Banking to view your First Federal account history. The First Federal website is FirstFedCU.com. Once you have enrolled and logged in to the First Federal Online Banking portal, you will be able to:

• View real-time account balances
• Make real-time transfers between accounts
• Pay bills online
• Set up account alerts
• View check copies
• Make real-time payments on First Federal loans
• View credit card activity

Definitely! The First Federal Credit Union mobile app is easy, secure, and reliable. The mobile app brings a fresh new look and easy navigation to First Federal services. You will have access to the same features as Online Banking including balance, balance transfers, account history, free ATM locator, Bill Pay, and much more. The mobile app is available for download in Google Play or through Apple iTunes.

No. A final account statement will be provided to you from NSB as of the merger date.

Yes. With First Federal Credit Union’s Audio Response Teller (Telephone Banking), you can call 319.866.9933 anytime to access account information, transfer funds between accounts, make loan payments, and do much more when and where it’s convenient for you. To establish access, visit your local branch or call us 319.743.7806 to obtain your account number and telephone PIN.  

If you have a safe deposit box at the Urbana location, then there will be no interruption with your safe deposit box.  

The First Federal Credit Union routing and transit number is 273972871.

Yes. First Federal offers a service called, Popmoney through First Federal’s BillPay service. Popmoney allows you to send, request and receive money directly from your bank account.

Member communication will be mailed during the month of March 2022. The communication will detail a timeline of events and what to expect. First Federal’s website will also contain a list of FAQs that can be accessed at any time.

We will do our best to notify you immediately upon any changes that directly affect you. Examples of member communication may include membership emails, notifications on the First Federal website, and mail communication.

There is nothing you need to currently do. Member communication will be mailed to you in March 2022 as we approach the merger date.

Yes, your account number(s) will stay the same.

Each credit union member has at least $250,000 in coverage through the National Credit Union Administration Share Insurance Fund (NCUAIF).

You should discontinue using your current checks on the transition date. To ease this transition, Members who have ordered checks in the last 12 months through NSB will automatically receive a new box of checks in the mail before the transition date.

ACH automatic payments will continue to post for the first 30 days. Please notify all vendors of the updated routing number to avoid having payments returned after 30 days.

Debit Cards will be turned off on the transition date. Please update those automatic payments upon activating your new First Federal debit card.

Cash deposits are made available on the same business day as they are received by the credit union. Night drop deposits are considered next business day. For deposits made by check or through the ATM, please reference the funds availability policy.

Direct deposits will continue to post for the first 30 days. Please notify your employer or appropriate agency of the updated routing number to avoid having payments returned after 30 days.

Yes. In Iowa, avoid paying surcharge fees by finding PRIVILEGED STATUS ATMs. Outside of Iowa, First Federal members can avoid fees by using a MoneyPass ATM. You can find the nearest surcharge free ATM by visiting our Free ATMs webpage

Statements will be mailed by default. Once enrolled in online banking you can sign up for e-statements. Accounts that only have a savings will receive statements quarterly, all others are received monthly.

You will receive a final statement from NSB as of the transition date. 

First Federal does not offer passbooks for IRA accounts. You can view your IRA CD balances and history on our online banking or your monthly statement.

There will not be any changes to your Certificate of Deposit.

There will not be any changes to the terms of your IRA.

No. The terms of your loan(s) will remain the same.  The only change is that after April 7^th, you will be submitting your payments to First Federal Credit Union.

In most cases your account number(s) will not be changing

You can make your loan payments through online banking (www.firstfedcu.com); with our mobile app; at any First Federal Credit Union branch; or by mailing your payment to: First Federal Credit Union, 425 1^st Ave SW, Cedar Rapids, IA 52405.

Yes. Any automated payment arrangement will continue uninterrupted.

Yes. You will still have access to your line of credit.  Draw amounts will be for the exact amount of the advance.  After the merger is complete, you will receive a new packet of First Federal Credit Union checks. You should continue to use your Northeast Security Bank home equity checks until you receive your new First Federal checks. Upon receipt of the new checks, please destroy the packet you are presently using.

Home Equity Line of Credit payments are due 25 days from the date of your statement.

To update your insurance policy, you will need to contact your insurance company and provide them with the following Mortgagee/Loss Payee information.

First Federal Credit Union
P.O. Box 924504

Fort Worth, TX 76124

You or your agent can also upload your insurance information on our website at http://www.myloaninsurance.com/ or by calling our Insurance Processing Center at: (877) 702-6305

There will be a packet of account information sent out in mid-March detailing the online and mobile services available with the First Federal.

You can access First Federal Online Banking starting April 1^st, 2022. You will need to re-enroll through First Federal’s website to access your online banking.

Access to NSB Online and Mobile Banking will end April 6^th, 2022.  Your NSB account history will not carry over, it is recommended that you either export or print at least 30 days of transaction history for your records.

You will be able to choose your Username (Logon ID) when you re-enroll through First Federal’s online banking. The Logon ID must be between 6 and 50 characters. It may include letters, numbers and special characters. The Logon ID cannot be the account number, Social Security Number, or email address.

First Federal does not have a separate business online banking. You will be able to choose your Username (Logon ID) when you re-enroll through First Federal’s online banking.

To enroll online, you will first need to visit our main webpage, www.firstfedcu.com. In the upper right-hand corner, there is a red box that says Online Banking, in which there will be a link that says Enroll Online. Select this link to be directed to our enrollment page, which will ask you for your account number and a PIN number. The PIN is the last 4 digits of your SSN. After reading the Terms and Conditions, you will be directed to set up a Logon ID (username) and Security Code (password), along with your Security Questions and Security Phrase.

When you log in on a PC or through our website via your mobile browser, you will be asked to enter a Security Code (password) each time. On our mobile app, you can set biometric settings to log you on without entering in a Security Code.

When enrolling in online banking for First Federal Credit Union, you will be prompted to set a Logon ID (username) and Security Code (password) of your own choosing.

Access to initiate NSB ACH transactions will end April 6^th, 2022

Access to NSB Bill Pay will end April 6^th, 2022

Access to initiate wire transfers through NSB Online Banking ends April 6^th, 2022

Access to NSB Mobile Check Deposit will end April 6^th, 2022

Your data from NSB will not carry over. To update your personal information, such as your email address and phone number, in First Federal’s online banking, you would log into your online banking via the web browser and choose the Personal Information option under the settings gear up in the upper right-hand corner of the page. If you have more than one account, you will be prompted to select which account numbers the information should be updated for.

The only thing that will transfer over to your First Federal online banking will be your balance information. All other previously set automatic transfers, bill payments, and eStatements will need to be set up again through your First Federal online banking and bill pay.

The only thing that will transfer over to your First Federal online banking will be your balance information. All other previously set automatic transfers, bill payments, and eStatements will need to be set up again through your First Federal online banking and bill pay.

The only thing that will transfer over to your First Federal online banking will be your balance information. All other previously set automatic transfers, bill payments, and eStatements will need to be set up again through your First Federal online banking and bill pay.

The only thing that will transfer over to your First Federal online banking will be your balance information. All other previously set automatic transfers, bill payments, and eStatements will need to be set up again through your First Federal online banking and bill pay.

Your NSB online information will not be carrying over.  Your NSB account history will not carry over, it is recommended that you either export or print at least 30 days of transaction history for your records.

First Federal online banking accounts do not have multiple user logins. There is only one login profile for each account number, so you will not need to assign user rights. For assigning authorized signors for your business account, please contact a First Federal Personal Banker, who would be happy to help you with your business account details.

Access to NSB eStatement and online banking account history will end April 6^th, 2022, so it would be recommended to make copies of statements and/or history for records.

In order to enroll in eStatements through First Federal’s Online Banking, you will need to log into your online banking via a web browser and go to the Self Service tab, then in the Additional Services section, select PDF eStatements. This will take you to a page that will prompt you to confirm your eStatement enrollment, and then you can select your account information and view your eSatements as well.

If you have alerts and/or scheduled or recurring transfers set up with NSB, you will need to reinstate those through your First Federal online banking.

First Federal does offer free bill pay through our online banking. You will need to set up any automatic transfers again that you may have had through NSB on your First Federal bill pay.

First Federal processes bill pay payments electronic and by check. Checks will be sent to the payee of the bill pay payment on the date requested through the bill pay system.

First Federal recommends making bill pay payments 3 to 5 business days prior to the date of which the payment needs to be received to ensure a timely delivery of the payment. Please note, the funds may not clear the account the date of the payment, but rather when the check clears through the Federal Reserve.

You do not need to use a Token to log in to your business online banking account, but you will be required to enter in your Logon ID (username) and Security Code (password) to log in through our website and app.

You do not need to use a Token to approve a Wire transaction, however First Federal does require a Wire Transfer Form to be signed prior to initiating a wire transaction.  Contact a First Federal office for details.

The cut-off times for wire transfers through First Federal are as follows:

Outgoing domestic – 1pm

Outgoing international – 12pm

Incoming domestic or international – 3pm

First Federal ACH transactions need to be initiated 3 business days before the transaction is to be applied to the account. (For example, if an ACH payment needs to be applied by Friday, the request for said payment would need to be Tuesday at the latest.)

Yes. You can change your User ID by logging in to your online banking via a web browser and selecting the Change Logon ID option that can be seen when hovering over the padlock in the upper right-hand corner of the online banking screen.

First Federal Online Banking is not linked with QuickBooks or Quicken.

If you are unable to see your account through your online banking, please feel free to give one of our Contact Center Representatives a call at (319) 743-7806, and we would be happy to assist in helping you.  

First Federal Credit Union does offer a mobile app that can be found in the App Store or the Google Play store by searching for our name, First Federal Credit Union and selecting the option that shows our logo (a star with a flag through it) as the icon.  Links can also be found at https://www.firstfedcu.com/mobile-banking-app.

First Federal encourages our members to explore out website at www.firstfedcu.com, and to download our self-titled app, First Federal Credit Union, through your Apple App Store or Google Play Store. If you have any questions about any of the features or benefits, please feel free to contact us by chat through our website, by phone or text at (319) 743-7806, or by stopping in at any of our locations.

Office hours for each location can be found at Firstfedcu.com/locations