Frequently Asked Questions

Find answers to common questions about First Fed Bank services and accounts.

General Questions

What are your branch hours?

Our branch lobbies are open Monday - Friday 9am - 5pm. Drive-up service is available Monday - Friday 9am - 5pm, and Saturday 9am - 1pm at select locations (Port Angeles Eastside and Sequim Village). For customer service, call us at (800) 800-1577 Monday - Friday 8am - 6pm and Saturday 9am - 1pm.

How many locations does First Fed have?

First Fed has 16 locations including 12 full-service branches across Clallam, Jefferson, King, Kitsap, and Whatcom counties in Western Washington. Visit our Locations page to find the branch nearest you.

Is First Fed FDIC insured?

Yes! First Fed Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Your deposits are protected up to $250,000 per depositor, per insured bank.

Account Questions

What are the requirements to open an account?

You'll need to be at least 18 years old and provide a valid government-issued ID. For most accounts, you can open online, by phone, or in person at any of our branches. Call us at (800) 800-1577 to get started.

Are there monthly fees on checking accounts?

We offer checking accounts with no monthly maintenance fees. Additional service charges may apply for certain transactions—ask us about our specific account options.

How do I access my account online?

First Fed offers convenient online banking and a mobile app so you can manage your accounts 24/7. Visit our website to sign up or download the app from your device's app store.

Loan Questions

What types of loans does First Fed offer?

We offer personal loans, auto loans, home mortgages, home equity lines of credit, and business loans. Each has flexible terms tailored to your needs. Visit our Loans or Mortgages pages for more details.

What is the loan application process?

Our experienced loan officers will guide you through the process. You can start by visiting a branch, calling us at (800) 800-1577, or applying online. We'll discuss your needs, review your creditworthiness, and work with you to find the right fit.

How long does loan approval take?

Most personal and auto loans are approved within 1-3 business days. Mortgage approvals typically take 30-45 days depending on complexity. We'll keep you updated throughout the process.

Security & Fraud

What should I do if my card is lost or stolen?

Call us immediately at (800) 554-8969 to report a lost or stolen card. We'll deactivate it right away and can expedite a replacement card to you.

How do I protect myself from fraud?

Never share your PIN or passwords with anyone
Monitor your account regularly through online banking
Use secure passwords and change them periodically
Be cautious of suspicious emails or phone calls asking for personal information
Enable fraud alerts if available on your account

Is online banking secure?

Yes. First Fed uses industry-standard encryption and security protocols to protect your information. Always use a secure internet connection and log out after each session.