Merchant Services

First Federal Savings Bank, in partnership with Fiserv, provides you with outstanding solutions for all your electronic payment processing needs.

We make payment processing more efficient and profitable. That’s why businesses of every size turn to us for strategic guidance and ongoing support. Whether you’re selling to consumers or businesses, we have options that turn opportunity into success.

  • Processing for all major credit and debit cards
  • Quick and seamless startup
  • Experienced call center specialists
  • 24/7/365 Domestically located help desk
  • Countertop terminals/Electronic cash registers
  • Smartphone applications
  • Web-based products
  • Convenient access to transaction detail via mobile app or web-based portal
  • Security for card acceptance and cardholder data
  • Next-Day funding in most cases

Leadership, vision, and teamwork are characteristics that we have developed through experiences and innovation. We’re focused on new technologies to help make payment processing more convenient and secure for businesses.

Visa®, MasterCard®, Discover* & American Express®

  • Transaction authorization and settlement
  • Quick reliable payment to your financial institution
  • Charge-back and retrieval handling
  • 24/7 customer support

JCB® and Fleet Cards

  • Transaction processing

Debit Card Processing

  • Authorization and payment of PIN-based debit transactions

Mobile Solutions

  • Power of card payment directly from your smartphone
  • Available through any wireless provider
  • Card swipe capability for secure transactions

Web-Based Solutions

  • Internet-based, real-time credit and check payment application
  • Manage Internet, telephone, and face-to-face transactions
  • Integrate your website to offer online shopping for your customers

Tablet-Based POS

  • Targeted marketing platform including email marketing and social media
  • Multi-Store capabilities to manage Items, Categories, and Employees
  • POS Time and Attendance capabilities
  • Advanced back-office tool for reporting and analytics on customers, products, and employees
  • Alerts and performance monitoring capabilities
  • Secure POS mobility, backed by a PCI compliant payment gateway

Gift Cards

  • Ability to track usage and offer rewards
  • Encourage repeat customers

Online Reporting Portal

  • Transaction detail and payment summaries
  • Retrieval and charge-back data
  • Current and historical statement information

Security Solutions

  • PCI compliance and validation support
  • Enhanced security solutions to help protect your business

As an industry leader, we are changing the face of payments.  You can expect more to come!


Please contact our Treasury Management Department at (812) 492-8124 for more information.

Business Online Banking

Click here to access Business Online Banking


At First Federal, we take extra precautions to protect your account. We monitor ATM and debit card transactions to protect you from fraud. Therefore, we may call you to verify transactions and ask questions about your account. If you plan on using your ATM or debit card, please be sure to create a travel exemption through our mobile banking application by selecting My Cards.  *Certain travel destinations may require additional approval from First Federal/Home Building Savings Bank.  If you do not see the country you are traveling to listed, please contact First Federal/Home Building Savings Bank’s eBanking team at (812) 492-8123 or via email at  If you need assistance outside of business hours, contact (866) 960-2290.

Lost or Stolen ATM/Debit Card?

Please contact us Monday through Friday from 8:00 AM CST to 5:00 PM CST at (812) 492-8123, if your ATM or Visa Debit card is lost or stolen. After normal business hours, call (800) 554-8969. 

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