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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We care deeply about our customers and their continued safety. That’s why the security of your personal account information is so important to us. By joining us in practicing good security habits both on-and-off-line, you help us protect your private information and keep your finances safe!

Important security practices:

  • Never reveal your PIN or password to anyone
  • Change your password frequently
  • Always log out when finished using Online Banking Services
  • Never leave your computer unattended when utilizing Online Banking Services
  • Don't use an automatic log-in feature on your computer
  • Use a shredder when disposing of personal records, especially financial records
  • Don't leave sensitive documents containing personal information where anyone can see it


Never disclose any personal identifying information through email or phone calls. This includes:

  • Bank account numbers or credit card numbers
  • Personal Identification Numbers (PINs)
  • Passwords
  • Social Security Numbers
  • Other identifying personal information

First Federal will never contact you to verify personal information over the phone or via email. If you receive a phone call or email asking you to verify information, end the call, do not respond, and call us directly at


We go above and beyond to ensure your financial security, constantly adapting and improving for your protection.


    First Federal Savings of Newark Security procedures

    To begin using our Online Banking Service you will need a computer with Internet access, an email address and a bank account. For your Internet browser, you will need either Microsoft® Internet Explorer 5.5 (or greater) or Netscape® Navigator 6.0 (or greater).


    Secure socket layers - SSL

    SSL is a protocol, which provides security and privacy over the Internet. SSL uses Public Key Encryption to transmit data securely between browsers and servers. Both Microsoft Internet Explorer and Netscape Navigator support SSL.



    Firewalls are used to protect the integrity of your information and the transactions that you perform. The system is monitored 24 hours a day, seven days a week.



    Information you provide us or that we provide you via our Internet Banking Service is encrypted. 128-bit SSL/TLS encryption is used. Email communication is not encrypted in this manner. Do not send confidential information or instructions to us via email.


    Username and password

    To gain access to your account information via our Online Banking Service, you will need your Username and Password. Always keep your Username and Password confidential. You will be required to change your Password at least one time every three months.


    Layered or multi-factor authentication

    In addition, to Usernames and Passwords, Layered or Multi-Factor Authentication is an additional security feature used to further protect the privacy and security of your personal information.