Visit any of our KC-area Banking Centers or call 816.245.4225 to get your new .... center, visits patients in the cancer
News @ First | Winter 2017
FIRST FEDERAL BANK & LOCAL CHARITIES
Better. Together.
The start of a new year is often a time to think about how we
can make a difference in the lives of others. We are proud to share with you the many accomplishments our employees have achieved in service to the community and the charitable organizations we’re honored to support.
During 2016 First Federal employees gave hundreds of hours of
their time to charitable causes, including “Christmas in October,“ The Juvenile Diabetes Research Foundation and Children’s Mercy Hospital, among many others. According to J.R. Buckner, President & CEO of First Federal Bank, this is not unexpected. “One of our core values at the bank is helping one another and the communities we serve. In fact we look for employees who have a ‘heart for service’ during our
ended, that amounted to $180,000. For a listing of charities we
hiring process. I’m extremely proud of all they have done – above
support, visit www.ffbkc.com/giving.
and beyond their roles at work – to enrich our community,” said
“First Federal Bank’s support to Truman Heritage Habitat for
Buckner.
Humanity’s financial literacy program has allowed us to continue
As a mutual bank, we share our success with our local
assisting families on the road to homeownership through
communities by giving back to non-profit organizations and
education,” said Carla Simpson, Development Director of Truman
educational institutions that address vital needs such as education,
Heartland Habitat for Humanity. “Your gift has supported seven
human services, arts and culture, and youth activities.
additional families to become homeowners...that’s something they
would have never thought possible just two years ago. Thanks for
In 2015, First Federal Bank committed to giving 5 1/2% of the
Bank’s pre-tax profit to charitable causes. In the fiscal year that just
supporting families in our community,” said Simpson.
Better. Together.
ALL ABOUT “EMV” OR CHIP CARDS Frequently-asked questions about new chip-enabled debit cards When will I get my chip card? Visit any of our KC-area Banking Centers or call 816.245.4225 to get your new chip-enabled debit card from First Federal Bank of Kansas City. Or, if you prefer, we will send you a new chip-enabled debit card as a replacement, just before your current card expires.
It’s important to note that your new First Federal debit card will come with a new card number. This means you will need to update the card number on automatic payments to vendors or
Chip or EMV cards add an extra layer of security to
merchants that you’ve set up using your debit card.
protect you from fraud due to merchant data breaches.
What are “chip cards?” Chip-enabled debit cards contain a microprocessor embedded in the card plastic. Cards with this “Europay, Mastercard and Visa” (or “EMV”) security standard, already widely in use outside of the U.S., add an extra layer of security to fight against point-of-sale transaction fraud resulting from card theft, skimming or counterfeiting.
Why is First Federal making this change? Helping you protect your accounts against fraud is a priority at First Federal Bank and bringing our customers this additional level of security just makes sense.
What’s different about chip cards?
Learn more: ffbkc.com/chip
When used at chip-enabled card terminals it’s as easy as: 1.
Insert the card, face up and chip end first, into the terminal.
2. Leave the card in the terminal during the entire transaction. 3.
Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
For merchants without chip-enabled terminals, you will ‘swipe’
How does the chip technology work? Each time you use the new card in a chip-enabled terminal or ATM,
your card through the terminal, just as you do today.
it generates a unique code for that transaction, making it much harder to counterfeit your card or to use it fraudulently for in-store purchases. Chip card technology is becoming more widespread, but the large-scale process of moving from magnetic stripe to chip cards among most merchants is expected to take several years. That’s why the new chip cards will continue to have a magnetic stripe on the
What if my card is lost or stolen? As always, it’s important to report a lost or stolen card or any suspicious transactions immediately by calling 800-264-5578 . Keep a record of the telephone number on the back of your card and call it if necessary.
back, so that you can use them at existing point-of-sale terminals.
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News @ First | Winter 2017
WE’RE BLESSED TO SERVE YOU A message from our President Each year, the holiday season reminds me to
This year, our employees gave hundreds of hours
of the best products and outstanding customer service,
reflect on all the blessings I have in my life: family,
of their personal time to volunteer at charities
you can take pride that you’re investing right here
friends, faith and my many co-workers here at
and community organizations throughout
in our Kansas City-area communities. We truly are
First Federal Bank of Kansas City.
the metro. They tended landscaping at area
In 2016 we completed the merger between
cemeteries in preparation for Memorial Day,
I know I speak for our entire staff when I say
First Federal and Inter-State Federal Savings
made care packages for participants in local
how grateful we are to serve you. We would not
in Kansas. Combining our fine banks was a
charity races, visited seniors in hospice care, and
be successful without your trust and support, and
milestone event for both institutions, and one
so much more.
we look forward to helping you achieve more in the
that will help move First Federal forward in its
Giving back to the communities we serve
coming year.
mission to help our customers and communities
is central to our mission, and one of our core
build a better financial future.
values at First Federal is “employees with hearts
When I think about the extra hours and
for service.” Unfortunately, these pages don’t
teamwork our employees put into making this
have sufficient room to recognize them all
merger successful, I’m amazed. And the fact we
individually, but please take a moment to read
accomplished this while having a record year
below about Brittany Koss from our Blue Ridge
for mortgage loan closings and deposit growth
location and her passion for helping very special
makes me truly grateful to work with such a
children facing extraordinary health challenges.
dedicated group of people.
This newsletter’s cover story highlights
these organizations if it weren’t for you, our
the bank’s charitable giving and support for
loyal customers. By choosing to bank with First
organizations that make our communities better.
Federal Bank you not only have access to some
We couldn’t provide the support we do for
CELEBRATING A HEART FOR SERVICE Every weekend, Brittany Koss, Customer Service Specialist at our Blue Ridge banking
“Better. Together.”
I wish you all the best in this New Year!
J.R. BUCKNER President & CEO
GREAT RATES
To help you save more in 2017
KASASA CASH® CHECKING Min Balance
APY 1
$0 - $25,000
2.50%
$25,001+
2.50 - 0.66%
Non-qualified
0.05%
KASASA CASH-BACK® CHECKING Min Balance Reward 2 $0
center, visits patients in the cancer wing at Children’s Mercy Hospital. She sits with the kids, plays games, reads stories and is just there for
Earn 2.5% cash back per cycle on debit card purchases up to $400
KASASA SAVER® Min Balance
APY 3
$0 - $25,000
1.00%
$25,001+
1.00 - 0.36%
This holiday season, our employees purchased Christmas gifts for the children Brittany has
Non-qualified
0.05%
come to know and love. We are grateful to have the opportunity to impact the lives of some
18-MONTH SPECIAL CD
very special children. And we’re very proud to support Brittany and her dedication to making
Term
Rate
APY 4
our community an even better place to live.
18-Month
1.15%
1.15%
Brittany Koss with presents donated by bank employees for Children’s Mercy Hospital patients
them. It’s something she’s done for more than a year – all on her own time.
1 – Annual percentage yield accurate as of 1/9/2017. Minimum opening deposit is $25. Must transact at least 12 debit card transactions that post and settle per cycle, enroll for e-Statements and log in at least once to Online or Mobile Banking per cycle to qualify. If qualifications are not met, the entire balance in the account will earn .05%. 2 – Minimum opening deposit is $25. Must transact at least 12 debit card transactions that post and settle per cycle, enroll for e-Statements and log in at least once to Online or Mobile Banking per cycle to qualify. 3 – Annual percentage yield accurate as of 1/9/2016 and subject to change without notice. Minimum opening deposit is $25. Must have a Kasasa Cash or Cash-Back account linked to Kasasa Saver. Must transact at least 12 debit card transactions that post and settle per cycle, enroll for e-Statements and log in at least once to Online or Mobile Banking per cycle to qualify. If qualifications are not met, the entire balance in the account will earn .05%. 4 – APY accurate as of 1/9/2017 and subject to change without notice. Minimum balance is $1,000. Penalty for early withdrawal.
Better. Together.
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Privacy Notice Federal law requires us to tell you how we collect, share and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal
Visit us today! Call 816.241.7800 Click www.ffbkc.com Come By Any banking center
information at www.ffbkc.com/privacy or we will mail you a free copy upon request if you call us at 816.245.4225.
News @ First is a publication of First Federal Bank of Kansas City
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News @ First | Winter 2017
ffbkc.com/guide
