Bank of Lenawee Customer Account Guide
| Table of Contents | |||||
| Welcome | 2 | ||||
| What to expect Transition Weekend | 3 | ||||
| Answers to your questions | 4 | ||||
| Checking Account Information | 5 | ||||
| Savings Account Information | 6 | ||||
| ATM/Debit Cards | 7 | ||||
| OnLine Banking and Bill Pay | 7 | ||||
| Mortgage Loans | 8 | ||||
| Personal, Home Equity and Auto Loans | 8 | ||||
| CDs/IRAs | 9 | ||||
| Business Account Information | 9 | ||||
| Fee Information | 10 | ||||
| Office Locations | 11 | ||||
This communication shall not constitute an offer to sell or the solicitation of and offer to buy any securities, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification of the securities under the securities laws of any such jurisdiction. No offering of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended.
First Defiance will be filing a Registration Statement on Form S-4 with the SEC concerning the merger of Pavilion Bancorp, Inc. into First Defiance (the “Merger”), which will include the joint prospectus/proxy statement that will be mailed to Pavilion’s shareholders. WE URGE INVESTORS TO READ THESE DOCUMENTS BECAUSE THEY CONTAIN IMPORTANT INFORMATION. Investors will be able to obtain the documents free of charge, when filed, at the SEC’s website, www.sec.gov. In addition, documents filed with the SEC by First Defiance will be available free of charge from the Secretary of First Defiance at 601 Clinton Street, Defiance, Ohio 43512, telephone (419) 782-5015. INVESTORS SHOULD READ THE PROXY STATEMENT CAREFULLY BEFORE MAKING A DECISION CONCERNING THE MERGER. Copies of all recent proxy statements and annual reports of First Defiance are also available free of charge by contacting First Defiance’s secretary.
First Defiance, Pavilion and their respective directors and executive officers may be deemed to be participants in the solicitation of proxies to approve the Merger. Additional information about the directors and executive officers of First Defiance may be obtained through the SEC’s website from the definitive proxy statement filed by First Defiance with the SEC on March 20, 2007. Additional information about the directors and executive officers of Pavilion may be obtained through the SEC’s website from the definitive proxy statement filed by Pavilion with the SEC on March 20, 2007. Additional information about participants in the proxy solicitation and their interests in the transaction will be contained in the joint prospectus/proxy statement to be filed with the SEC.
Filed by: Pavilion Bancorp, Inc.
pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule
14a-12 under the Securities Exchange Act of 1934
Subject Company: First Defiance Financial
Corp.
Commission File No.:
0-26850
Welcome to our family!
Dear Valued Customer,
Pending expected regulatory and shareholder approval, Bank of Lenawee will officially join First Federal Bank of the Midwest at the close of business on Friday, March 14, 2008. This partnership will directly benefit you in many ways! Our strong commitment to superior customer service, local decision making and community involvement will remain a top priority, and you will soon have access to a wider variety of financial services from 36 locations throughout Ohio, Indiana and Michigan.
We want to make it easy for you to get to know First Federal Bank. To help you understand how and when your accounts will transfer and to answer some of your initial questions, we have developed this Customer Account Guide. It reviews your current services with Bank of Lenawee (checking account, mortgage loan, etc.), identifies comparable First Federal Bank products, and explains what you can expect in the next 30-45 days. We hope you find this information helpful and will retain this guide for future reference.
At First Federal, our success is built around the quality of our people, unrivaled customer service, a true community banking philosophy and our unique ability to make decisions at the local level. We know you placed your trust in Bank of Lenawee, and we look forward to the opportunity to earn your trust in First Federal Bank.
Thank you in advance for your patience with this process. For any account questions before March 14th, you can continue to call The Bank of Lenawee offices at 1-800-508-8346. If you have any questions after the conversion, please call our Customer Care Line at 1-877-367-8178.
Welcome to our family!
Sincerely,
| Jeffrey D. Vereecke Northern Market President First Federal Bank |
Richard J. DeVries President and CEO Bank of Lenawee |
Please Note: While we transition, The
Bank of Lenawee offices will be closed at 5:00 p.m. on Friday March 14th, will remain
closed Saturday, March 15th and will reopen Monday, March 17th with normal business hours.
What to expect Transition Weekend
March 14th – March
17th, 2008
Branches will be closed
Saturday, March 15th
All Bank of Lenawee
offices and drive-thrus will close at 5:00 p.m. on Friday, March 14th and will remain
closed all day Saturday, March 15th for account conversion. We apologize in advance for
any inconvenience. The Bank of Lenawee offices in Adrian, Hudson, Morenci, Tecumseh and
Hillsdale will re-open on Monday, March 17th as First Federal Bank offices. Lobby and
drive-thru hours will not change. The Waldron office will be permanently closed after
Friday, March 14th.
Bank By Phone
Bank of Lenawee’s telephone
banking service will be de-activated on Friday, March 14th at 7:30 p.m. To access your First
Federal Bank accounts by phone beginning Monday, March 17th, at 8:00 a.m., please dial
First Federal Bank’s Bank By Phone at 1-888-511-1077 and follow the prompts. You will
need to use a new PIN when you call First Federal Bank’s Bank By Phone the first
time. Deposit customers will receive instructions through the mail on using Bank By Phone
in the near future.
Use your Bank of Lenawee
checks
Your current Bank of Lenawee checks
(for checking accounts) can be used for six months, until September 15th. In several
weeks, you will receive a coupon to order free First Federal Bank checks to replace your
Bank of Lenawee checks. If you use checks with your Money Market account, you can continue
using them until September 15th and can order a new, free supply at any branch.
ATMs will be available, new cards to
be issued
Even though the offices will be closed, you will still be able to use any of the
Bank of Lenawee ATMs (or any other ATMs) and make debit card purchases over the transition
weekend until 7:00 a.m. on Monday, March 17th using your current Bank of Lenawee Cash2Go
debit card. After that, you will need to use your activated First Federal Bank debit card.
You will receive your new debit card with activation instructions in a few weeks.
OnLine Banking and Bill
Pay Services
All functions of Internet Banking (Online
Express Banking) will be unavailable beginning Thursday, March 13th at 7:30 p.m. from the
Bank of Lenawee website you currently use. You will be able to access your account from
the First Federal Bank website (www.first-fed.com)
beginning Monday, March 17th at 8:00 a.m. Current Bank of Lenawee Internet
Banking and Bill Pay customers will not have to register again. You will receive
details on the new login process in the next few weeks.
All Bank of Lenawee Online Express Bill Pay services will cut off on March 11th at 5:00 p.m. Your Bill Pay payees and account information will transfer over automatically to First Federal Bank, so you will not have to re-enter that information after the conversion.
Final Bank of Lenawee
statements
You will receive a final Bank of
Lenawee statement for all checking, savings and loan accounts. The statements will be
printed and mailed after Friday, March 14th.
Welcome To First Federal
Bank
Answers to your Questions
Q: I understand Bank of Lenawee is changing
to First Federal Bank of the Midwest. When will this change take place?
A: The change
begins at 5:00 p.m. on Friday, March 14th. The offices will be closed on Saturday the 15th
as we convert all the files from one computer system to another, but you will be able to
use your Bank of Lenawee ATM and debit cards that weekend as usual. On Monday, March 17th,
the conversion will be complete, and the new accounts will be in place. As a Bank of
Lenawee customer, you will be notified of any actions you may need to take as part of the
changeover.
Q: What are the advantages to me as a
customer?
A: First Federal Bank is a leading
community bank headquartered in nearby Defiance, Ohio. We live and work in the communities
we serve and understand the financial needs of our customers. We are well known for fast,
local decision making and exceptional customer service. We put our customers first! As a
First Federal Bank customer, you will have access to 36 branch locations and 45 ATMs
throughout northwest Ohio, Fort Wayne, Indiana and southeast Michigan (see locations on
the back of this guide). First Federal Bank offers a wide variety of checking and savings
accounts, loan products, online banking and bill pay services. We also offer insurance and
wealth management services for individuals and businesses and are insured by the FDIC. We
look forward to working with you, providing you with new products and services, and
continuing the tradition of excellent customer service.
Q: What will happen to the Bank of
Lenawee office in Waldron?
A: The Bank of Lenawee office in
Waldron will be permanently closed for business at 5:00 p.m. on Friday, March 14, 2008 and
will not re-open on March 17th. Waldron customers can be served through any First Federal
Bank office beginning March 17th.
Q: When can I begin to use First
Federal Bank branch offices and ATMs?
A: Starting Monday, March 17th at
normal branch business hours, you may conduct all of your financial transactions at any
First Federal Bank office in northwest Ohio, southeast Michigan and Fort Wayne, Indiana.
Bank of Lenawee ATMs will be unavailable from 7:00 a.m. until 5:00 p.m. on Monday, March
17th as they are converted to First Federal Bank ATMs, and then can be used after that
time once you have activated your new First Federal Bank ATM/debit card.
Checking Account
Information
Q: When and how will my current
checking account change to a First Federal Bank account?
A: Conversion will begin at 5:00
p.m. on Friday, March 14th, and the offices will be closed on Saturday the 15th as we
convert all the files from one computer system to another. Your checking account will
transfer to the First Federal Bank product that most closely matches your current Bank of
Lenawee product. (See chart below for details.) If you feel one of our other checking
products such as Merit Checking for those 50 and better and Premium Checking with higher
interest rates, better serves your needs, you can change to a different one anytime after
Monday, March 17th. There will be no monthly minimum balance fees assessed on any accounts
in the first 90 days as you decide.
Q: Will my direct deposit and
automatic transfer services continue as before?
A: Yes. If you had direct deposit of
Social Security, payroll or other regular deposits, your current service will continue
without interruption. Automatic transfers between accounts and automatic deductions of
payments will also continue, with no action needed on your part.
Q: Will I be able to use
my current checks after March 17th?
A: Yes. Your current Bank of Lenawee
checks will clear with no problems until September 15th, 2008. Before the conversion, you
will receive a coupon and an order form for 150 free duplicate or 200 free standard checks
from First Federal Bank. If you wish, you can place your order for new First Federal Bank
checks before March 17th by bringing the coupon to any Bank of Lenawee office or by
mailing the coupon and order form to the First Federal Bank main office (envelopes will be
provided). You have until September 15th, 2008 to use the coupon for free checks. If you
re-order your own checks from a different vendor, please use the First Federal Bank
“routing number” (the first series of numbers on the bottom of your checks)
which is 241270851.
Q: Will my account numbers change?
A: No. We have made arrangements so
your account numbers can remain the same. One thing that will change is the routing number
on any new checks you order. The First Federal Bank routing number is 241270851.
| If you currently have this type of Bank of Lenawee Account | Smart & Simple (no check images) | Smart & Simple Free (w/images) Advantage Plus |
Smart & Simple Now Advantage Plus Now |
Private Banking | |||||
| Your new First Federal Bank account will be: | Free Checking | Free Plus Checking | Prime Checking | Private Banking | |||||
| Interest | No | No | Yes .10% APY* | Yes, tiered interest rates and APYs* starting at balances of $2,500 | |||||
| Minimum Balance Requirements | None | None | $500.00 | $1,000 | |||||
| Under Minimum Balance Fee | None | None | $7.00/month | None | |||||
| Other Benefits | Free OnLine Banking and Bill Pay** | All the benefits of Free Checking, plus... | All the benefits of Free Checking, plus... | All the benefits of Free PLUS Checking, plus... | |||||
| Free Debit Card Unlimited check writing Free combined statements and free E-statements | $50.00 discount on fees that may apply to all future loans Bonus of .10% APY* on all future certificates of deposits Free paper check images returned with monthly statement | Fee waived for Direct Deposit customers or those with $5,000 or more in CDs | Free financial consultation with Private Client Advisor, and free assistance from a
Private Banker† No monthly maintenance fees Direct Deposit Required | ||||||
*Annual Percentage Yield (APY) quoted effective 1-24-08 and subject to change without notice. **A $5.95 per month fee will be assessed if the Bill Pay account is dormant for more than 90 days. OnLine Banking and Bill Pay are also free with Free PLUS, Merit and Premium checking accounts. † Investments are: Not FDIC Insured — May Lose Value — Not a Deposit — No Bank Guarantee — Not Insured By Any Government Agency. Please refer to the Fee Schedule on page 10 of this guide for changes in fees and the enclosed brochure “Understanding Your Account” for other important account features.
Savings & Money
Market Accounts
Q: Will the features of my Savings or
Money Market Account change?
A: The First Federal Bank savings
account that most closely matches your current Savings Account is called a Statement
Savings Account. If you have a Money Market Account, it will be transferred to a First
Federal Bank Money Market Deposit Account. If you use checks with your Money Market
Account, you can continue to use your current Bank of Lenawee checks until September 15,
2008. You can order a new supply of free checks anytime by stopping in any First Federal
Bank branch between March 17th and September 15th. See the chart below and the fee
schedule on page 10 for details on these accounts.
Q: Can I link my savings account to
my debit card for ATM withdrawals?
A: You will have the ability to link
your Statement Savings account to a First Federal Bank ATM/debit card for ATM access to
your account 24 hours a day. For debit card purchases, a checking account is required.
Q: Are my accounts going to be FDIC
insured?
A: Your deposit is insured by the
FDIC up to the $100,000 maximum amount allowed by law. If this conversion causes your
total deposits to exceed $100,000, we will contact you and help you rearrange your
deposits to make sure you are adequately covered.
Q: Can I change my savings account to
something different after the conversion?
A: Yes. First Federal Bank also
offers a Premium Money Market Account and a Premium Savings Account with additional
benefits that may interest you. There will be no monthly minimum balance fees assessed on
any accounts in the first 90 days as you decide.
| If you currently have this type of Bank of Lenawee Account: | Family Funds Statement Savings Simply Savings |
Mega Money Market Account | Jolly Good Savings | Children's Savings Account (Purple Pig) | Health Savings Account | ||||||
| Your new First Federal Bank account will be: | Statement Savings | Money Market Deposit Account | Christmas Club Account | Earn E. Eagle Savings Club (account for 12 years and younger) | Health Savings Account | ||||||
| Interest/Yield | Currently .25% APY* | Tiered, can change daily | .25% APY* | Currently .25% APY* | Tiered, can change daily | ||||||
| Minimum Opening Deposit | $5.00 | $1,000.00 | $5.00 | $5.00 | $50.00, $20.00 fee to open | ||||||
| Minimum Balance Requirements | $100.00 | $1,000.00 | None | None | None | ||||||
| Under Minimum Balance Fee | $1.00/mo | $6.00/mo | None | None | None | ||||||
*Annual Percentage Yield (APY) quoted effective 1-24-08 and subject to change without notice. **The minimum balance on First Federal Bank’s Statement Savings Account is waived for those under the age of 18 years. See page 10 of this guide for detailed fee information.
ATM & Debit Cards
Q: Will I receive a new ATM/Debit
Card? When do I begin using it?
A: Yes, your current Cash2Go
ATM/Debit Card will be replaced with a First Federal Bank combination ATM/Debit Card. The
new card can be used at all ATMs as in the past. It can also be used as a debit card,
linked directly to your checking account at First Federal Bank. You will receive your new
card and PIN in the mail in early March. IMPORTANT: Your current Bank of Lenawee ATM/Debit
Card can only be used until 7:00 a.m. on Monday, March 17th. After that, you will need to
use your new First Federal Bank card. If you would like to change the PIN assigned with
your new First Federal Bank card, you can do that at any ATM beginning March 18th.
Q: How and when do I activate my new
ATM/Debit Card?
A: Your new First Federal Bank
ATM/Debit Card can be activated beginning Sunday, March 16th at 5:00 p.m. by calling the
number located on the sticker of your new card. Once activated, the card can be used for
debit purchases or ATM transactions on March 17th. If you have recurring payments debited
to your account through your debit card, you will need to contact those companies after
the conversion and give them your new debit card number. You will have more details on
setting up your new card when you receive the card in the mail.
OnLine Banking & Bill
Pay
Q: When will my online banking
services become available?
A: Beginning Thursday, March 13th at
7:30 p.m., your current account will not be accessible from the Bank of Lenawee website
you currently use. You can access your checking, savings and loan accounts from the First
Federal Bank website at www.first-fed.com beginning Monday, March 17th at 8:00 a.m. If you
currently use internet banking services, you will not need to re-register. You will
however need to log in differently and you will need to set up new security features. You
will receive specific instructions in the mail.
New OnLine Banking customers may view a demo and register at First Federal Bank’s website anytime after 8:00 a.m. on March 17th by clicking the demo button on the homepage.
Q: What about my Bill Pay services?
A: Bank of Lenawee’s bill
payment service will be turned off at 5:00 p.m. on March 11th, 2008. If you currently use
Online Express Bill Pay services, your account information and payees will automatically
transfer to First Federal Bank. If you have never used Bill Pay services and would like to
begin, you can register anytime after 8:00 a.m. on March 17th at www.first-fed.com.
Mortgage Loans
Q: Will I receive a new payment
coupon book?
A: Yes. You will continue using your
current Bank of Lenawee mortgage coupon book until you receive a new payment book from
First Federal Bank after the conversion. The new payment book will contain instructions on
how to make your next mortgage payment. If you currently make an electronic mortgage loan
payment, you will not receive a coupon book. Your payment will continue to be made
electronically. Payments can also be made at any First Federal Bank office after March
17th.
Q: Will my loan terms change?
A: No. Your mortgage payment amount
and payment due date will remain the same. The other terms of your mortgage loan will
remain the same as well.
Q: Will my escrow arrangement change?
A: No. If you currently have escrow
arrangements, those arrangements will remain in place with First Federal Bank. You will
receive a final escrow analysis from Bank of Lenawee before the conversion and a First
Federal Bank escrow analysis annually at the end of each following February.
Personal, Home Equity and
Auto Loans
Q: Will the features of my personal,
home equity or auto loan change?
A: No. Your payment amount and
payment due date will remain the same. First Federal Bank will honor the terms and
interest rate arrangements in place for these loans.
Q: Will I receive a
new payment book? What about new home equity checks?
A: For personal and auto loans, you
can continue to use your current payment book until you receive a new payment book from
First Federal Bank after the conversion. Your new book will reflect the next payment due
dates. If you currently make electronic payments, you will not receive a new payment book.
If you have a home equity loan, you will be able to use your old checks until September 15th to access your account. You will receive three new First Federal Bank checks in the mail to use for your home equity account. When you need more, you may come to a branch near you and First Federal Bank checks will be printed for you while you wait. Your monthly home equity invoice will be sent to you in a statement printed on the 5th of the month and due on the 25th of the month.
IRAS & CDs
Q: Will there be any changes to my
certificate(s) of deposit or individual retirement accounts?
A: Your IRA account will be
transferred to First Federal Bank as the Trustee for the IRA. Your funds will continue to
be insured separately from other deposits up to the maximum amount allowed by law. If you
make a deposit to your IRA account after Monday, March 17th for the 2007 tax year, it will
be credited appropriately. First Federal Bank will honor the terms and interest rate
arrangements already in place for your CDs and IRAs. However, instead of a quarterly
statement, you will receive one annual statement for your CD.
OTHER SERVICES
Q: What is Overdraft
Privilege?
A: Overdraft Privilege is a special
overdraft protection service First Federal Bank provides to all checking accounts in good
standing. There is no fee other than our standard $31.50 NSF fee for each item overdrawn.
You will receive detailed information on Overdraft Privilege in future letters.
Q: What about my credit card?
A: Your Bank of Lenawee credit card
can be used as you normally would until further notice.
Q: Will my safe deposit box service change?
A: Your safe deposit box will remain
the same. If you received a discount, your discount will carry over.
Business Accounts
Q: What if I have a business checking
account?
A: If you currently have a business
checking account, you will be contacted by letter or phone with details on First Federal
Bank’s advantageous business products, which include Internet Cash Management and
Payroll Processing services, Sweep Accounts, Remote Deposit Service and Free Small
Business Checking accounts. We look forward to working with you and providing you with
additional options for your business, along with exceptional customer service. For
businesses needing routing numbers, the First Federal Bank routing number is 241270851.
Q: Will my commercial loan terms
change?
A: No. First Federal Bank will honor
the terms and rate arrangements already in place for your commercial accounts, however
your monthly billing process and statements may change. We will contact you to provide you
with the details.
First Federal Bank Retail Fee Schedule
CHECKING, SAVINGS AND
MONEY MARKET ACCOUNTS
Monthly service fee if your balance
falls below the stated amount anytime during the statement period:
FREE CHECKING, FREE
PLUS CHECKING, MERIT CHECKING — No minimum balances, no monthly service fees.
PRIME
CHECKING — $500 minimum balance, otherwise a $7.00 monthly fee will occur*
*No
monthly fee regardless of minimum balance if a direct deposit customer, or have $5,000 or
more in First Federal Certificate accounts.
PREMIUM CHECKING — $1,000
average balance, otherwise, a $10.00 montly service charge will occur.
MONEY MARKET
ACCESS™ ACCOUNT — No minimum balance, no monthly service fee.
MONEY MARKET
DEPOSIT ACCOUNT — $1000 minimum balance, otherwise a $6.00 monthly service fee will
occur.
STATEMENT SAVINGS ACCOUNT — $100 minimum balance, otherwise a $1.00 monthly
service fee will occur.
If the balance in your Passbook Savings account falls below
$100.00 anytime during a calendar quarter, you will be assessed a $3.00 maintenance fee.
HEALTH SAVINGS ACCOUNT — $20 fee
to open account, no minimum balance, no monthly service fee, $25.00 fee to close account.
| Other Related Fees | |||||
| Account Activity print out | $1.00/pg | ||||
| Account closed within 180 days of opening | $ 25.00 | ||||
| Account Reconciliation | |||||
| (1/2 hour minimum) | $25.00/hr | ||||
| ATM monetary transactions (deposit, withdrawal, transfer): | |||||
| at First Federal Bank ATMs | No Fee | ||||
| ATM withdrawals at non-First Federal Bank ATMs $1.00 | |||||
| (1 fee per month waived for Merit Checking customers; 4 fees per | |||||
| month waived for Premium Checking customers. Other banks’ fees may | |||||
| apply). | |||||
| Balance inquiry: | |||||
| at First Federal Bank ATMs | five free per cycle | ||||
| $1.00 per inquiry thereafter | |||||
| all other ATMs | $1.00 each | ||||
| Cashier’s Check | 1 free per day, after that $5.00 each | ||||
| Certify a check | $7.00 each | ||||
| Check Cashing: | |||||
| Customer | No Fee | ||||
| Non-customer | $10.00 each | ||||
| Check charge-back to loan | $31.50 each | ||||
| Check printing: | (fee depends on style of check ordered) | ||||
| Coin Counting: | |||||
| Customer | No fee | ||||
| Non-customer $5.00 minimum or 5% of total coin counted, | |||||
| whichever is greater | |||||
| Collections account transactions | $8.00 each | ||||
| Collections | Our Cost | ||||
| Counter checks | four for $1.00 | ||||
| Currency Purchases: | |||||
| Customer | No charge | ||||
| Non-customer | $5.00 per order | ||||
| Deposited item returned | $10.00 each | ||||
| Dormant Account | |||||
| Checking | (after one year) $5.00 per month | ||||
| Savings | (after one year) $5.00 per month | ||||
| Electronic Statement | No Fee | ||||
| Extra copies of statement | $5.00 per statement | ||||
| Fax Machine, first page | $ 5.00 | ||||
| Fax, each additional page | $ 1.00 | ||||
| Foreign checks/money orders | our cost + $5.00 | ||||
| Foreign currency exchange | $ 20.00 | ||||
| Images of checks: | |||||
| Online or E-Statement Images | No fee | ||||
| Paper copies with monthly statement | $5.00 fee; waived if account requirements are met | ||||
| Indemnity bond | $25.00 each | ||||
| Legal Proceedings/Garnishments (court orders for child support)/Escheat | $75.00 each | ||||
| Processing/Executions/Levies | |||||
| MONEY MARKET ACCOUNTS | |||||
| Excess usage fee (after 3 checks/mo) | $10.00 each | ||||
| Nonsufficient funds (NSF) item | $31.50 each | ||||
| If NSF is paid creating an overdraft | $31.50 each | ||||
| An insufficient funds item may be created by payment of checks, | |||||
| electronic funds transfer or other withdrawal request or payments | |||||
| authorized by you. | |||||
| OnLine Banking: | |||||
| Account Access | No Fee | ||||
| Unlimited Bill Payment | No Fee | ||||
| Dormant Bill Pay Account | $5.95/month | ||||
| Overdraft Service Fees | |||||
| Transfer from deposit account | $6.00 each | ||||
| Transfer from loan account | $6.00 each | ||||
| All other checks or debits paid | $ 31.50 | ||||
| Photocopies | $0.50 each | ||||
| Postage on returned check order | Our cost | ||||
| Replace lost ATM/debit card | $5.00 each time | ||||
| Rolled Coin Purchases: | |||||
| Customer | No Fee | ||||
| Non-customer | $0.10 per roll | ||||
| Stop payments (all items) | $31.50 per check | ||||
| Stop payments - ACH payments | $31.50 per item | ||||
| Travelers cheques, for One | 2.00 | ||||
| Travelers cheques, for Two | 2.50 | ||||
| Wire transfers: | |||||
| Foreign | $ 50.00 | ||||
| Incoming | $ 15.00 | ||||
| Outgoing | $ 20.00 | ||||
| SAFE DEPOSIT BOXES | |||||
| Base Annual Rent (sales tax will be added) | |||||
| $2.00 discount with automatic payment (unless a Merit Checking customer) | |||||
| 2 x 3 or 3 x 5 . | $ 20.00 | ||||
| 5 x 5 | 30.00 | ||||
| 3 x 10 | 35.00 | ||||
| 5 x 10 | 50.00 | ||||
| 10 x 10 | 25.00 | ||||
| Lost key replacement | 25.00 | ||||
| Box drilling | our cost + 5% | ||||
| Late charge fee (15 days) | $ 6.00 | ||||
First Federal Bank Office Locations
Bowling Green, OH
1226 W. Wooster St.
(419) 354-1400
Bryan, OH
204 E. High St.
(419) 636-3118
926 E. High St.
(419) 636-5653
Defiance, OH
601 Clinton St.
(419) 782-5015
1177 N. Clinton St.
(419) 782-6626
Delphos, OH
230 E. Second St.
(419) 695-1055
Elida, OH
105 S. Greenlawn St.
(419) 331-8015
Findlay, OH
3900 N. Main St.
(419)422-4422
301 S. Main St.
(419) 424-1616
7591 Patriot Dr.
(419) 423-3244
Fort Wayne, IN
7437 Coldwater Rd.
(260) 489-3036
Fostoria, OH
1694 N. Countyline St.
(419) 436-1310
Genoa, OH
22020 W. State Rte. 51
(419) 855-8326
Glandorf, OH
135 S. Main St.
(419) 538-7100
Hicksville, OH
201 E. High St.
(419) 542-5626
Lima, OH
2600 Allentown Rd.
(419) 224-2265
2285 N. Cole St.
(419) 229-2265
2565 Shawnee Rd.
(419) 221-1312
Maumee, OH
417 W. Dussel Dr.
(419) 794-5000
McComb, OH
124 E. Main St.
(419) 293-3753
Montpelier, OH
1050 E. Main St.
(419) 485-5591
Napoleon, OH
625 Scott St.
(419) 592-3060
1800 Scott St.
(419) 599-2727
Oregon, OH
2760 Navarre Ave.
(419) 690-8326
Ottawa, OH
405 E. Main St.
(419) 523-6440
Paulding, OH
905 N. Williams St.
(419) 399-9748
Perrysburg, OH
1077 Louisiana Ave.
(419) 872-8326
Wauseon, OH
211 S. Fulton St.
(419) 335-7911
8 New offices in Michigan opening Monday, March 17th!
Adrian, MI
300 N. Main
St.
(517) 265-5144
1701 W. Maumee St.
(517) 266-5008
135 E. Maumee St.
(517) 266-5009
Hudson, MI
539 Meridian Hwy.
(517) 448-2341
Morenci, MI
211 W. Main St.
(517) 458-2296
Tecumseh, MI
501 E. Chicago Blvd.
(517) 266-5023
1449 W. Chicago Blvd.
(517) 423-7969
Hillsdale, MI
8 W. Carleton Rd.
(517) 437-3560
Banking Service By
Phone:
1-888-511-1077
First Federal Bank Customer Care Line
1-877-367-8178
OnLine Banking & Bill Pay
www.first-fed.com
Member FDIC
Equal Housing
Lender