Your Debit Card

We believe you should be able to securely access your money 24 hours a day, 7 days a week, 365 days a year. 

Jump to a section:

Digital Wallet Ready

  • Features an EMV Chip for maximum security
  • Make secure purchases in-store or online
  • Easily add your debit card to your mobile digital wallet
  • Make purchases wherever Apple Pay®, Google Pay® and Samsung Pay® are accepted

Digital wallets keep your information secure by storing a device-specific card number. This lets you purchase in-store and online quickly, conveniently and securely. To use a digital wallet, just look for the contactless reader symbol or the digital wallet logo near the checkout.

My Cards: Card Management

Easily manage your debit card on the go with My Cards in your mobile app.

  • Monitor and manage usage
  • Instantly receive alerts for transactions
  • Establish transaction controls based on threshold limits, merchant categories, transaction types and specified locations
  • Turn your debit card on/off — this is especially useful for lost or stolen cards. When the card is off, no purchases or withdrawals will be approved except for previously scheduled recurring payments

Nationwide MoneyPass® ATM Network

Get the cash you need, whenever you need it at approximately 40,000+ locations

  • Never a surcharge fee
  • Approximately 40,000+ ATMs, coast-to-coast
  • Search by address, city, state or using your current location
  • ATMs are also searchable on moneypass.com or find the closest ATM here (link to ATM locations page for each bank)

School Spirit Debit Card

Earn money for your schools with a School Spirit Debit Card!

Every time you use your School Spirit Debit Card, we will donate directly to your school district:

  • Half of the $10 annual fee every year 
  • $0.01 from every purchase made with your card

Ready to support your local school? 


To sign up for the Lakewood School Spirit Debit Card, simply stop by the Lakewood branch or schedule an appointment.


To sign up for the Olmsted Falls School Spirit Debit Card, simply stop by the Olmsted Township branch or schedule an appointment.


Want one for your school? 

There’s no cost to your school, and it’s a great way for parents, students, graduates and supporters to show their spirit! If you’re a school administrator, please reach out to SchoolSpirit@ffl.net for more information on adding your school or district to our program.

Find the Account Right for You

Explore your checking account options

Managing your money is easy with our checking accounts. Whether you want our simplest account or one that earns you interest, you’ll see the benefits immediately.
Explore Checking 

Start saving for tomorrow, today

Every little bit counts, and with our savings account options, you can get started today. Putting money aside for your goals is easy with our help.
Explore Savings 

Money Advice Around the Clock

Find what you need to know, whenever you need to know it.

Protecting Your Family Against Child Identity Theft

Child identity theft is nothing short of heartbreaking. Unfortunately, many victims of this crime only find out about it when they are older and need essential services, such as student…
View Resource

Maximize Your Car’s Trade-In Value

Many things impact a car’s resale or trade-in value. Learning to maximize your car’s trade-in value gives you more buying power for the purchase of your next vehicle and allows…
View Resource

Lower Your Credit Card Rate

Credit card interest rates can be manageable for some people but a real challenge for others. According to the Federal Reserve’s Consumer Credit December 2022 G.19 report, the average interest…
View Resource

Direct Deposit and Paycheck Allocations

A growing number of employers offer direct deposit, in which your regular paycheck is electronically — and immediately — deposited into the bank account of your choice. It is certainly…
View Resource

Do Grocery Delivery Subscriptions Make Sense?

If you look long and hard enough, you will find a subscription service for just about everything these days. From shaving supplies to dog food and more, there are hundreds…
View Resource

Making a Major Purchase

You cannot escape it. There are times when you have to make a major purchase. Maybe your daughter wants to play the drums in the elementary school band. You’ll need…
View Resource

Digital (or Virtual) Credit Cards

Data breaches occur all the time these days. They hardly make the news headlines anymore. One of the outcomes of these widespread breaches is that some credit card companies have…
View Resource