How do I sign up for Online Banking?
Online Banking enrollment can be completed in-person at a branch or by calling our Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free).

What accounts can I access with Online Banking?
Savings, checking, loans, and credit cards can be accessed through Online Banking.

What is my member number?
Your member number can be found on paper or electronic statements, within online banking, or you can visit a branch. Member numbers are not given over the phone for security reasons.

I can’t see the online banking well on my phone. Is there an app I can access online banking with?
Yes, the FFCU Mobile app allows you to access your online banking with a smartphone.

What is a strong password?
Your online banking password can be 4 to 20 characters, and may include special characters. Longer passwords with a variety of characters are more secure. Short passwords with repeating characters are less secure. Please try to use letters, numbers, and special characters in your password to increase security. You will also need to set-up 2-Factor Authentication (2FA) the first time you login to online banking.

What is 2-Factor Authentication (2FA)?
2-Factor Authentication (2FA), also known as Multi-Factor Authentication (MFA), is an additional security measure to make sure that only you have access to your account.

How? When you log into your online banking from a new or unrecognized device, you will be sent a unique authentication code via SMS (text message), phone call (to your number on file with us), or with the Authy desktop authenticator app. Message and data rates may apply when receiving SMS messages.

By requiring authentication from another device, such as your cell phone, 2FA ensures that someone trying to remotely hack into your account with just a password will be unsuccessful. It is the industry standard to thwart identity theft and fraud.

To set-up, follow the prompts when you first log into online banking, or on your Freedom First mobile app under the security settings.

What do I do if I forgot my login name?
Please visit a branch or call the Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free) to have your username reset.

What do I do if I forgot my password?
You can click the "Forgot Password" link on the login screen of Online Banking. If you're still experiencing issues, please visit a branch or call the Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free) to have your password reset.

Can I reset my password?
Yes, the password can be changed by clicking your name in the top right corner, then Settings, then Security in Online Banking. You need to know your current password in order to change your password. If you do not know your current password, please visit a branch or call the Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free) to have your login information reset.

Can I change my login name?
Yes, the username can be changed by clicking your name in the top right corner, then Settings, then Security in Online Banking.

How do I view my statement online?
You can find your eStatements by clicking on the account you would like to see on your homepage. Then click Documents on the menu to the right. You can view all eStatements and notices from Freedom First. The free eStatement service will provide access to all of your statements electronically and is more secure and convenient than receiving paper statements. If you choose to receive eStatements, you will not receive monthly paper statements in the mail.

How do I request to go paperless and only receive eStatements?
You can enroll in eStatements through Online Banking, by calling the Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free) or by visiting a branch.

Do I have to sign up for Online Banking in order to get eStatements?
Yes, the Freedom First Online Banking is the system that administers the eStatements. You will also be able to access past statements via Online Banking.

How often will I receive an eStatement?
Depending on your account activity, you may receive a statement monthly or quarterly.

How do I make a payment using Online Banking?
To make a payment from your Freedom First account to a Freedom First loan, click "Transfer." Select the account that will be used to make the payment, then select the loan that you will apply the payment to.


Can I set up automatic payments for recurring bills (mortgage, auto loan, etc.)?
Yes, automatic payments can be deducted from your Freedom First account. Please speak to a representative in the Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free) or visit a branch for more details.

How do I transfer money between my own Freedom First accounts?
To transfer between accounts under the same member number, click "Transfer." Select the account to deduct funds from, then select the account that you will apply the funds to.


How do I transfer money to another Freedom First member?
To make a quick, one-time transfer between accounts under different member numbers, you can quickly and easily send money through online banking or your mobile app by clicking "Member Transfer."

If you want to make regular or recurring payments to another member, you will need to complete a Cross Member Transfer Authorization form and submit it at a branch. Once the form has been completed, transfers into other accounts will be authorized through online banking. The form does not authorize transfers out of other accounts.

If you need additional assistance, please visit a branch or call our Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free). We also have an extended hours Bill Pay help line at 888-400-9446.

Can I transfer money to another financial institution or non-member?
Yes, you can transfer money to other institutions through BillPay or a wire transfer. BillPay allows you to easily transfer money between financial institutions, as well as from person-to-person using the "Pay" tab in your mobile app or online banking.

Please note that if they are also a Freedom First member, you should use the "Member Transfer" tab in online banking.

For Bill Pay assistance, please call the Contact Center at 540-389-0244 (local) / 866-389-0244 (toll-free) or visit a branch. We also have an extended hours Bill Pay help line at 888-400-9446.


How do I enroll in BillPay?
After enrolling in Online Banking, select Pay a Bill and accept the Agreements and Disclosures. To manage all of your payments and transfers, click "Pay."


Is there a fee to use Bill Pay?
No, the service is free to active users.

Is Bill Pay safe?
Like all Online Banking transactions, Bill Pay is done through secure channels.

Can I download my account transactions to Quicken or other financial software?
Yes, transactions can be downloaded in multiple formats. To download transactions, select the account you would like to view, then click on the Download option. Transactions can be downloaded in OFX (Microsoft Money), QFX (Quicken), IIF (Quickbooks), QIF, CSV, or TXT formats.

Can I set up special alerts to notify me about account activity?
Yes, alerts can be set by clicking the account you would like to have alerts for. Then click Alert Preferences. You can choose to receive account balance or transaction alerts by text or email. Please make sure you have a valid phone number and/or email address on file.

Where is Money Manager?
Click on the hamburger menu and choose Budgeting Tools to see your latest activity.

Is there a fee associated with using Online Banking?
There is no fee for using Online Banking. If you are using a smartphone to access Online Banking, text and data charges from your carrier may apply.

How can I contact Freedom First staff through Online Banking?
You can use the Secure Message function from within Online Banking or your mobile app and a staff member will be able to assist you.

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