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OOPS!™
Occasional Overdraft Privilege Service

Your checking account with First Federal comes with our standard Occasional Overdraft Privilege Service (OOPS!). This means that we may authorize and pay ATM and one time debit card transactions, checks, ACH and other items even though you do not have enough money in your account to cover the transaction. We offer this service as a convenience to protect against the occasional mistake and so customers can avoid any embarrassment. We charge a $30 per item fee for this service.

The overdraft protection currently made available to you for ATM and one time debit card transactions will only be available if you agree or "Opt-In" to this protection.

If you choose to not Opt-In, we will no longer be able to provide overdraft protection coverage for any ATM or debit card transactions that would cause your account balance to go negative. If there are not sufficient funds in your account, all ATM and debit card transactions will be declined.

Keep in mind that you can "Opt-In" or "Opt-Out" at anytime.

If you have questions concerning overdraft protection, please call our Savings Operations Department at (740) 345-3494 or 1-800-783-3494.

To keep your OOPS! as is, you can do any of the following:

First Federal Savings
Attention: Savings Operations
P.O. Box 4460
Newark, Ohio 43058-4460


Click here to download a PDF version of the Opt-In form

OOPS!™ Occasional Overdraft Privilege Service is a registered trademark. All rights reserved.