of ID

The first time you open an account as a customer with First Federal you will need to bring in one primary and one secondary form of ID. All forms of ID must be unexpired.

Primary forms of ID

  • State driver’s license
  • State ID card
  • U.S. military ID card
  • Passport
  • License to carry concealed weapon
  • Permanent resident card
  • Passport card

Secondary forms of ID

  • Photo employee ID card
  • Student ID card
  • Credit cards (VISA, MasterCard, Discover, Sears, etc.)
  • Current utility bill from the customer's residence
  • Social security card
  • Birth certificate
  • Automobile registration
  • Bank pr credit card statement
  • Current pay stub
  • Medicare card issued by SSA
  • Social security # verification notice issued by SSA
  • Social security rep payee appointment notice issued by SSA
  • Current U.S. tax returns
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What you need to apply

Documents needed

  • Paystubs (last 30 days)
  • W-2s (last 2 years)
  • Tax returns (last 2 years)
  • Bank statements (last 3 months)
  • Mortgage statement
  • Stocks, bonds, 401ks, IRAs
  • Other real estate (tax and insurance info)
  • Rental agreement (if applicable)
  • Separation or divorce decree (if applicable)

For a refinance add
(Providing these items may reduce your closing costs)

  • Title policy
  • Copy of survey
  • Homeowners insurance policy
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First Federal Savings may contact you regarding other products and services in the future. You can opt out of these communications at any time.
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Welcome Home 

Grant Program

Get up to $20,000 in grant money to use toward a down payment and closing costs! *Honorably discharged veterans, and active duty service members can get up to $25,000. 

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ICS and 


Using IntraFi Cash ServiceSM, or ICS®, and CDARS® through First Federal Savings, you can access millions in FDIC insurance for cash deposits from IntraFi® network banks and enjoy the simplicity of banking with just one trusted, local institution. 

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Real Estate 


We offer the kind of secure, reliable residential and commercial real estate loans needed to build a strong foundation for the future. Our experienced, knowledgeable team is fully committed to helping bring your real estate ownership dreams to life.

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Cost-effective card payment processing solutions are a critical part of every industry. That’s why we’ve created flexible, state-of-the-art payment options that can be utilized in-store, online, or on-the-go.

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WePayU Checking from First Federal Savings lets you earn a 2.02% APY just by meeting a few simple requirements*. You can use that interest to pay for things like your favorite streaming service. You'll also enjoy a variety of account features and benefits.

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Why First Federal Savings?

Because you’re not just choosing a place to put your money.

We are a team of contenders that sees potential even when others can’t. In the toughest times and the greatest times, we are a community that rolls up its sleeves and makes things happen. For over 88 years, we’ve never wavered in our loyalty to bringing your future to life. Because our strength isn’t just ours. It’s yours.

We proudly work for you.

As a mutually-owned company, we are owned by the customers who work with us. There are no stockholders to pay, just a driving investment in building the vitality of our region—and turning all your strength into growth.

We are fanatical about growth.

We’re known for going the extra mile to help you succeed through hard times—and excel through great ones. We recognize and appreciate the diversity of your needs and interests, so we make it our personal goal to see you thrive.

We are Ohio born and bred.

Licking County has been our home since day one, and we donate our resources and time to events and projects right here, in the communities where we’ve put down roots. No matter what comes, we’re ready to go the extra mile to build your success—because we’re strong like you.

Nothing gets in the way of our investment in you.

Let us show you

I’ve never worked with a bank that was so helpful! Everyone that we have worked with at First Federal Savings has been very nice. We couldn’t find a plumber, and they all went to work trying to help us find a reasonable one. They also helped us with ways to get our brand out in the community. First Federal Savings definitely cares about their customers.

Shavonne A.

Community Engagement

We are building a stronger Ohio.

We give our all in support of our communities—and that commitment goes far beyond banking hours. Every day, our team of experts is helping families and businesses thrive, because your success is our personal mission. And when the going gets tough, we step out and step up by giving back wherever we are needed most. At First Federal Savings, we know that we are all stronger together.