At midnight on May 1st, 2016, two of Kansas City’s strongest community banks officially merged, joined forces to create the largest and strongest mutual bank in the Midwest! First Federal President and CEO, J.R. Buckner, stated the following about the merger:

“This combination just makes sense. With our similarity as mutual banks and common mission, we’re better together. Being mutually-owned means we answer not to investors, but to our customers. Profits are retained by the bank, resulting in more home loans and increased local reinvestment. Long-term, this strengthens the communities we serve.”

The Office of the Comptroller of the Currency (OCC) approved the merger on February 26, 2016.  The combined organization has $669 million in assets and 11 retail banking centers throughout the Kansas City area.  First Federal will continue to deliver home loan solutions through its experienced local and national mortgage lending teams.  Clarence Zugelter, Chairman of First Federal Bank, had the following to say:

“We’ve wanted to expand our retail branch network into Kansas for some time, and the merger will allow us to accomplish this quickly. Helping people along a path towards financial success, regardless of where they live or how much money they make, will always be central to our mission.”


What comes next as we integrate our banking center locations? 

Here are answers to some of the “big” questions you probably have.

If you're an Inter-State Federal Customer, download our Welcome Guide for complete details about the merger and how it affects your accounts.

If you have any specific questions, feel free to contact us directly at 816.241.7800.



What will my account at Inter-State Federal become at First Federal Bank, and when will that happen?

Take a look at Page 5 in our Welcome Guide to see what your existing account will convert to on Monday, October 31st, 2016. Also, check out Page 9 to learn more about the Kasasa account options that will be available to you!


Will any of my account numbers change?

No, but you will have to update the routing number information for any direct deposits or debits you currently have set up on your account. The Routing Number is 301071592. Please update this no later than January 31st, 2017 to ensure your electronic transactions process correctly.


If I have a checking or money market account, will I get new checks?

Yes, you will receive a free supply of checks just prior to the merger date of Monday, October 31st, 2016. Please begin using them on that date and destroy your old Inter-State Federal Checks, or bring them to any banking center and we’ll shred them for you.


When can I visit First Federal Bank locations to transact business?

You will be able to access all First Federal products and services at our Kansas & Missouri locations beginning Monday, October 31st, 2016.


What about debit cards, online banking and mobile banking?

Debit Cards, Online and Mobile Banking enrollment and access will also begin on Monday, October 31st. Visit any banking center on or after this date to set up these new features.


Will the delivery time of my account statements change?

Here are the statement cycles for First Federal Bank accounts:


Is the daily business "cutoff" time changing?

We don't have a daily cutoff time after which deposits or withdrawals are "next day's business." We post all transactions at the time they are received.

Does First Federal process transactions differently?

Yes, First Federal Bank processes all transactions in the order they are received (we do credit electronic deposits before electronic withdrawals on each business day.) We encourage you to keep careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.


What happens to my FDIC insurance coverage if I have accounts
at both Inter-State Federal & First Federal Bank?

FDIC insurance coverage rules allow for a six-month grace period from the date of our legal merger, which was Sunday, May 1st, 2016. If you have accounts at both banks, you should have received a letter from us explaining FDIC deposit insurance in more detail. You can also visit for more information.


Are the hours changing at the Kansas banking centers?

Yes, we are expanding the hours to make banking more convenient for you:


What are the advantages of being a customer of the First Federal Bank?

You'll find a wide range of accounts, loans and services, including online/mobile banking and instant-issue debit cards. A great example is our Kasasa lineup of checking and savings accounts, which offer you high interest or cash-back rewards. As a community bank dedicated to helping our customers achieve the dream of homeownership, we specialize in home loan solutions to help you buy or refinance your first home, your last home, and every home in between.


If I’m already a First Federal customer, when can I visit the locations in Kansas?

Beginning Monday, October 31st, 2016, your existing accounts --and all of First Federal's products and services--will be available in each of the Kansas locations.