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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100 MB limit.
Allowed types: gif, jpg, png, pdf, doc, docx.
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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Economic Impact Payments

Questions regarding your payment?

If you need to check the status of your IRS Economic Impact Payment or submit your information to the IRS, please follow the link below.


Updates Regarding Coronavirus

To Our First Federal Customers:

Through this extraordinary time, First Federal remains safe, sound, and open for business. We stand ready to serve your banking needs. 

The safety of our customers and employees is our top priority.  In an effort to minimize risk to all and to help reduce the spread of COVID-19, we kindly ask you to take advantage of the many ways in which we can serve you remotely or from a distance. 

  • By appointment (call your local First Federal office)
  • Drive-thru window
  • ATM
  • Night drop
  • Mobile banking through the First Federal app
  • Online banking at
  • Telephone Banking at 888-606-6402 

Many of these services are available within our Internet Banking or through our mobile app. If you are not enrolled in Internet Banking please visit us here to register. You can download our Mobile App on the AppStore or Google Play.

Of course, you are always welcome to call or email us.  Our main phone number is (740)-345-3494, or email us at [email protected]

We look forward to continuing to work with you in the coming weeks and months. Thank you so much for choosing First Federal! 

Your First Federal Family

We are not
just any bank.

When First Federal opened its doors during the Great Depression, we forged a new way of banking, establishing a safe place for people to deposit their money and providing families with access to the home loans needed to begin rebuilding their lives and community. For 85 years, First Federal has continued working hard and pursuing excellence in service to our region.


A stable, well-capitalized community institution.

We are committed to being the loyal financial institution upon which people can depend for honest and reliable financial services. Going the extra mile for our customers isn’t just a cliché at First Federal, it’s a way of life driven by our passion for seeing our neighbors grow and flourish.

From home mortgage loans to retail banking services, in both challenges and celebrations, First Federal is here to help make your vision a thriving reality.

You own us.

As a mutually-owned company, we are owned by the customers who borrow and lend from First Federal. There’s no stockholders to pay, just a driving investment in building the vitality of our region.

We’re here to help you thrive.

Exceptional service is found in employee satisfaction

If you’ve ever stopped by one of our branches, you won’t be surprised to learn we are known for employee satisfaction. You can witness the passion and joy our team brings to their work every time you step into a branch. That’s why Columbus CEO has awarded First Federal with a Top Workplaces Award for the last seven consecutive years. First Federal employees love their jobs, embracing challenges as an opportunity to dig deep and innovate to make your life better.

Focused on savings and loans

We relentlessly continue the services with which we first began: specializing in secure savings and home loans for families so they have the resources needed to build. We provide federally-insured deposits and customized mortgage loans in a variety of rates and terms, all customized to suit your needs.

Our Trustees

Sarah Wallace

Board Chair, First Federal Savings & Loan

Paul Thompson

President and CEO, First Federal Savings & Loan

Sally Wallace Heckman

Executive Vice President, First Federal Savings

Christopher Meyer

Managing Partner, Reese, Pyle, Meyer PLL

Mark Milligan

Owner, Passage Management

Robert Montagnese

President, Licking Memorial Health Systems

Rick Platt

President and CEO, Heath-Newark-Licking County Port Authority

Bill Weidaw, J.D., CPA

CPA and Partner with Wilson, Shannon & Snow, Inc.

Randall Anstine

Retired Partner, Ernst & Young LLP

  • Sarah R. Wallace  - Board Chair
  • Paul M. Thompson - President & Chief Executive Officer
  • Michael O'Brien - Chief Financial Officer
  • Sally Wallace Heckman - Executive Vice President
  • John T. Compton - Senior Vice President
  • R. Brian Murray - Senior Vice President
  • Scot O. Evans - Vice President, Loan Officer
  • Charity S. McFarland - Vice President, Deposit Sales and Services
  • Tina L. Franks - Vice President, BSA Officer
  • Judith L. Roberts - Vice President, Quality Assurance
  • Jennie Jo Hall - Vice President, Loan Closing, CRA Officer
  • Josh Murray - Vice President, Operations
  • Charlotte K. Blade - Assistant Vice President, Loan Officer
  • Misty L. Boyce - Retail Deposit Operations Manager
  • Danielle Cooperider - Assistant Vice President, Granville Branch Manager
  • Chase Ghiloni - Vice President, Marketing
  • Amy J. Gardner - Loan Servicing, Assistant BSA Officer
  • Steven W. Fleetwood - Assistant Vice President
  • Nicole L. Mayabb - Loan Officer, Heath Branch Manager
  • Jennifer L. Topper - Assistant Vice President
  • Ryan D. West - Vice President, Loan Officer
  • Matt McKenzie - Assistant Vice President, Loan Officer
  • Kelli Hunt - Loan Officer
  • Andi Parkinson - Administrative Officer
  • Konrod Morris - Loan Officer
  • Lisa Morse - Loan Officer, Pataskala Branch Manager
  • Rachel Scouler - Loan Closing

Our History


First Federal opens its doors.

Providing savings and loans to the community with the charter First Federal Savings, a mutual thrift, issued to Everett D. Reese. The main office opens in downtown Newark with $159,612.43 in assets. Everett Reese continues serving as President until 1960, and as Board Chair until 1978.


The end of an era.

When the founding president, Everett Reese retires, Cyrus McKinney becomes bank president and J. Gilbert Reese, Everett’s son joins as Director. 


Expanding our reach.

First Federal expands its regional service by opening a Granville branch.


Wilson takes over.

Richard H. Wilson becomes bank president, serving until 1982. At the end of his tenure as president, Wilson continues serving as Director until his death in 1995.


Reese becomes Chairman.

J. Gilbert Reese becomes Chairman of the board. 


New main office

The Courthouse Square main office opens.


Granville moves

The Granville branch office relocates to 216 East Broadway (the current site of Donatos Pizza).


2nd location in Heath

First Federal opens a second branch in Heath in the Southgate Shopping Center on RT 79. In 1990 the Heath office moved to Hebron Road. 


Wallace becomes President

Bank Founder Everett Reese’s granddaughter Sarah Reese Wallace becomes President of First Federal. Today, Sarah serves as Board Chair.


Thompson becomes President

Paul M. Thompson takes over as bank President while Sarah Reese Wallace assumes Board Chair and her father J. Gilbert Reese becomes Board Chair- Emeritus.


First Federal expands to Gahanna

The Gahanna office opens in Beecher Crossing.


Introducing debit cards

As First Federal continues innovating products to best serve customers, the first debit cards are issued to customers.


North Newark opens!

The North 21st Street branch in North Newark opens.


Welcome to online banking

First Federal joins the online banking world.


First Federal on your phone

First Federal launches mobile banking with a mobile app for Apple and Android.


Sally Wallace Heckman joins the team

Sally Wallace Heckman, Everett Reece’s great-granddaughter, joins the team at First Federal as VP of Human Resources. Sally now serves as Executive Vice President.


First Federal, a top place to work

First Federal is proud to receive its eighth consecutive Columbus CEO Top Workplaces award, recognizing the continued commitment to employee training and well-being. 


Celebrating 86 years
Over $220 million and growing

In our 86th year in business, First Federal is going strong with over $220 million in assets and a commitment to serving the community to drive its growth and success.