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Freedom First
Freedom First Credit Union

About Online Banking

Freedom First
Branded Star Mark
Branded Star Mark

Get the Most Out of Freedom First Online Banking


With Online Banking you can monitor your accounts, pay bills, view your statements, and manage your money when on the road or from the comfort of your home.


Frequently Asked Questions

How do I sign up for Online Banking?
Online Banking enrollment can be completed in-person at a branch or by calling us at (540) 389-0244.

What accounts can I access to 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 or toll free at 866-389-0244, to have your username reset.

What do I do if I forgot my password?
Please visit a branch or call the Contact Center, at 540-389-0244 or toll free at 866-389-0244, 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 or toll free at 866-389-0244, 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 or toll free at 866-389-0244, or by visiting a branch.

How do I make a payment using Online Banking?
To make a payment from your Freedom First account to a Freedom First loan, click Move Money then click Transfers. 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 or toll free at 866-389-0244, 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 Move Money then click Transfers. 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 Transfer to a Member
 
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) or 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 Pay a bill or a wire transfer. Pay a bill 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 "Pay a Person" tab in online banking.
 
Please note that if they are also a Freedom First member, you should use the "Transfer to a Member" tab in online banking.
 
For Bill Pay assistance, please call the Contact Center at 540-389-0244 or toll free at 866-389-0244, or visit a branch. We also have an extended hours Bill Pay help line at 888-400-9446.

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?
Money Manager is now called Spending Habits. Click on your account and choose Spending Habits 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.

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