Yes, FDIC deposit insurance is $250,000 per depositor.

FDIC allows for separate $250,000 coverage for deposits held in your name alone (single accounts), accounts with more than one person (joint accounts), accounts that name beneficiaries when you die, and certain retirement accounts such as IRAs.

For more information on FDIC insurance, please visit the FDIC website at www.fdic.gov.(Opens in a new window)

If you withdraw any of the principal before the maturity date, you will be charged a penalty. The penalty on the amount withdrawn will be a loss of interest, whether earned or not, as follows:

For accounts with a term of:

• 91 days or less:  loss of 1 months' interest

• 92 days through 1 year:  loss of 3 months' interest

• More than 1 year, less than 3 years:  loss of 6 months' interest

• At least 3 years, less than 4 years:  loss of 12 months' interest

• 4 years or more:  loss of 18 months' interest

The penalty will be figured on the amount withdrawn at the simple interest rate being paid on the account and will be deducted from the account balance or the amount withdrawn.

Third Federal offers an array of CDs ranging from 7 days to 120 months to meet your savings needs. Our certificate accounts require a minimum deposit of $500 and your investments are insured by the FDIC (according to FDIC insurance requirement standards).

You can open an account online, by phone or by visiting one of our branch locations.

Traditional IRA: Contributions may be tax-deductible and the interest earned is tax deferred. Taxes are deferred until the year in which the withdrawal is made.

Roth IRA: Contributions are not tax- deductible, however, the earnings may be tax-free on qualified distributions.

SEP: A Simplified Employee Pension (SEP) is for those who own a small business or are self-employed. Taxes are deferred until the year in which the withdrawal is made.

As long as you are working, there is no maximum age to make a contribution to a Traditional, Roth or SEP IRA. Consulting with a tax advisor is recommended before making a contribution.

For more information, visit our Retirement Accounts page.

You can visit one of our branches, call us at 1-800-THIRD-FED, or apply online! 

If you apply online, the process is quick, easy and free. Simply click here to get started. 

Regular CDs and IRA CDs* can be opened with a minimum deposit of $500.

If you are funding by check or transfer from an existing Third Federal account, the limits are as follows:

• Certificates of Deposit - maximum is $500,000
• Savings Accounts - maximum is $500,000

If you are opening your account online and are funding by ACH transfer, the limits are as follows:

• Certificates of Deposit - maximum is $250,000
• Savings Accounts - $100,000

*Maximum limits on IRAs are also mandated by the Internal Revenue Service

Yes, since IRA accounts are individual accounts, you can view your own IRA accounts in Online Banking.

Check Deposits - $500 is available on the same day of deposit,  $6,225 is available on the second business day following the deposit.  For deposits over $6,725, the remaining amount is available on the 5th business day.

Please see our Funds Availability Policy, which is located in our Truth in Savings Disclosure, for more details.

We need to carefully identify you when we talk with you either at the branch, on the phone, or via the internet.  We ask questions to protect you and Third Federal from fraud.

You have 60 days from the day we send your bank statement to dispute an ACH and claim it is unauthorized.

You'll need to provide the following information when opening an individual or a joint account:

• You will need a valid Driver's License, State ID or US Passport.
• A valid U.S. address and Social Security number are required.
• You must be at least 18 years old and a U.S. citizen or a U.S. resident alien.
• You will be required to provide personal information, including your birth date.
• If you choose to fund your new account via a transfer from another deposit account at another bank, you'll need to provide the routing number and account number of that deposit account.

Currently, an IRA account may be opened by visiting your local branch in Northeast Ohio or Florida or by calling our Customer Care Service department at 1-877-324-5661. This transaction is not available online.

Yes, Third Federal will accept rollover deposits into an IRA. We will accept a rollover from a Traditional, Roth, and SEP IRAs. We also accept direct rollovers from a qualified retirement plan (QRP). Third Federal Savings will rely on the representation of the employer or plan administrator and/or the participant to ensure the funds are eligible to be deposited as a rollover.

We will report the rollover / direct rollover to the Internal Revenue Service and the customer on IRS Form 5498.

*Consulting with a tax or financial advisor is recommended before making a rollover contribution.

When opening an account online, you have the option of individual or joint owner account relationship. If choosing a joint ownership relationship, you may only open the account with one primary owner and one joint owner.

Currently, retirement accounts are not available online.

If funding a Certificate of Deposit with a check, the funds must be received within 15 days of the account opening to receive the interest rate. 

Yes, you purchase a CD via an online transfer from your other Third Federal account.

There are three ways to fund your online account:

• Transfer (ACH) from a deposit account you have at another financial institution. Maximum amount to fund by ACH is $100,000 for Savings Accounts and $250,000 for CDs.
• Transfer from an existing deposit account you have at Third Federal.
• Mail in a check for the amount you want to fund your account. The maximum amount to fund by check is $500,000.

To view Tax Statements, login to your Third Federal Online Banking account, navigate to the Statements and Tax Documents tab, click on the Tax Statement card.

If you are not currently enrolled in paperless tax statements, navigate to the Statements and Tax Documents tab, select View Profile in the upper right corner, and then select the Pencil to edit your preference to Paperless and then click Submit. You will receive an email when your tax statement is available for viewing.

If you prefer to receive a hard copy, tax statements will be mailed by January 31 each year for the previous year. If you have not received your tax statement by February 15, you can request a copy by sending a secure message through Online Banking (located under the “Secure Messaging and FAQs” tab), or visit your local branch for assistance.

Wire Transfers and ACH Transactions: 
The routing number for Wire Transfers and ACH Transactions (all regions) is 241070530.

When Ordering New Checks:
The routing number for Ohio and the rest of the country (excluding Florida) is 241070530.  

The routing number for Florida branch locations is the following:

The routing number of 267090769 is used for the following Florida branch locations:
BOCA RATON
BONITA SPRINGS
CORAL SPRINGS
DELRAY BEACH
FT. MYERS
GREENACRES
HALLANDALE
NAPLES
NORTH PALM BEACH
PLANTATION

The routing number of 063192191 is used for the following Florida locations:
CLEARWATER
PORT RICHEY
SARASOTA
SEMINOLE
ST PETERSBURG
TAMPA

We offer a Interest Checking Account.  Our Interest Checking Account is easy to access, easy to manage, and the higher your balance, the better your rate of return.

You can open an Interest Checking account with a minimum deposit of $10.00.

There are two reasons why you may show a difference between your account balance and your available balance.

The first reason may be due to a check hold. Whenever a check is cashed/deposited with Third Federal, a hold is placed on these funds.

The second reason for a difference in account balance and available balance would be due to a debit card transaction hold. Whenever a debit card transaction is processed without the use of your PIN number, a hold is placed on your account until the transaction is completed.  This process could take a few days.  These types of holds normally appear on your account for two or three business days.

The available balance is your account balance minus any debit card or check holds.  Your account balance does not reflect any holds.

There are  limits on the number of debit card transactions as well as daily dollar limits that apply to both Point-of Sale (POS/PIN) merchant purchases and ATM withdrawals. Click here to see disclosures for more details.

Regarding fees, all purchases made at MasterCard merchants with your Third Federal Debit Card are free.

Third Federal provides four free ATM withdrawals per statement cycle. Third Federal has partnered with Fifth Third Bank's ATM network. As long as you stay in network, there are no additional user fees from Third Federal for the first four transactions.  Beginning with the fifth ATM withdrawal, your account will be accessed a $2.00 fee for each additional withdrawal within the statement cycle period. 

Third Federal is proud to be working with Fifth Third to provide you surcharge-free* access to hundreds of conveniently-located ATMs.

Fifth Third Bank has Jeanie Network ATMs located throughout Ohio and Florida. Click here for the Fifth Third Bank ATM locator.

*Surcharge-free applies to cash withdrawals only. 

If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, log in to your online banking or use our convenient mobile app and go to Card Management and change the card status to off. You can also call us toll-free at 1-877-897-5657 or 1-800-THIRD-FED (1-800-844-7333) during our business hours or write us at Third Federal, Attn: Electronic Banking, 7007 Broadway Avenue, Cleveland, OH 44105

Turning off your card using Card Management is not a replacement for reporting your card lost, stolen, or reporting fraud.

To report a card lost or stolen outside of our business hours, please call 1-833-933-1681.

We offer debit card access to our Checking and Statement Savings accounts; however, we do not offer ATM only cards. You can use your Third Federal Debit Card to make unlimited, free purchases at any retailer worldwide that accepts MasterCard®.

Third Federal has partnered with Fifth Third to provide ATM access.  As long as you stay within the Fifth Third's ATM network, there will not be a Third Federal surcharge associated with your withdrawals.

The first four ATM withdrawal transactions at any Fifth Third ATM machine within your statement cycle period (monthly) are free of charge. After the fourth ATM withdrawal, your account will be accessed a $2.00 fee for each additional withdrawal within the statement cycle period. 

Check Deposits - $500 is available on the same day of deposit,  $6,225 is available on the second business day following the deposit.  For deposits over $6,725, the remaining amount is available on the 5th business day.

Please see our Funds Availability Policy, which is located in our Truth in Savings Disclosure, for more details.

To change the PIN (Personal Identification Number) for your Third Federal debit card, call toll-free 877-267-6914. 

You need to make sure you know your current PIN and that you have activated your debit card before calling this number.

To reorder checks through Deluxe Corp, our preferred check printer, sign into Online Banking, click on the "Additional Services" tab and then click "Order Checks (Checking account)." You will be securely transferred to Deluxe check ordering website. You also may reorder checks by calling Third Federal Customer Care at 1-800-THIRDFED (1-800-844-7333) or by visiting one of our branches.

You have 60 days from the day we send your bank statement to dispute an ACH and claim it is unauthorized.

To view Tax Statements, login to your Third Federal Online Banking account, navigate to the Statements and Tax Documents tab, click on the Tax Statement card.

If you are not currently enrolled in paperless tax statements, navigate to the Statements and Tax Documents tab, select View Profile in the upper right corner, and then select the Pencil to edit your preference to Paperless and then click Submit. You will receive an email when your tax statement is available for viewing.

If you prefer to receive a hard copy, tax statements will be mailed by January 31 each year for the previous year. If you have not received your tax statement by February 15, you can request a copy by sending a secure message through Online Banking (located under the “Secure Messaging and FAQs” tab), or visit your local branch for assistance.

The death certificate gives us the information needed to verify the identity and legal residence of our customer.

It is best to notify Third Federal as soon as possible. This will help to ensure any debits and credits that should cease when the client passes are properly stopped. Third Federal is here to assist you with this process. To speak with an associate visit a branch or call our Customer Care Service department at 1-844-798-7784. 

We require a certified copy of the death certificate.

A certified copy of the death certificate is generally available from the funeral director who handled the deceased's funeral arrangements, or from the Registry of Births, Deaths and Marriages in the applicable state, county, parish, or territory.

It's a good idea to obtain multiple certified copies of the death certificate. The complexity of the estate and the number of institutions with which the deceased conducted business will help you determine the number of copies you need.

You can go to a branch near you and bring the death certificate in person, or

You may also mail it to:

Third Federal Saving & Loan
Attn: Legal - Deposit Operations
7007 Broadway Ave.
Cleveland, OH 44105

It depends on your specific circumstances. The laws of the state of residence of the deceased provide state-specific rules for requesting and transferring the deceased customer's funds, which may impose additional requirements. We'll work with you on what may be required specific to your needs.

For formal probate, we may request court-issued letters testamentary or letters of administration appointing an executor or administrator. These documents are issued by the court when formal probate of an estate is required under applicable state law. Either of these documents serves to confirm the identity of the deceased account holder and party/parties who have authority to handle the estate. To obtain these documents, please consult your personal legal counsel.

For small estates, we may request a properly executed small estate affidavit or court order, in accordance with state laws. This document may be used to disperse a deceased customer's account when formal probate is not required under state law. The requirements and availability of this process vary from state-to-state. To obtain these documents, please consult your personal legal counsel.

Original or Certified copy of appointment papers – including any of the following, as applicable:

• Letters of Testamentary
• Probate court documents
• Domiciliary letters
• Letters of Appointment
• Letters to General or Special Administration

• Obtain and present an Employer Identification Number (EIN) issued for the estate
• Identification documentation for the executor(ix)/personal representative

Probate is the process of gathering a decedent's assets, paying the creditors and any taxes owed and then distributing the remainder according to the will (testate distribution) or state law (interstate distribution), as applicable.

A beneficiary is the person or persons who receive the assets of an estate after all debts are satisfied. Also, a person named in an informal trust as In Trust For (ITF) or Payable on Death (POD) beneficiary on bank records.

A fiduciary is a person who has been entrusted with the responsibility to manage the assets or rights of another person. A fiduciary may also be referred to as a guardian, conservator, executor, administrator, trustee, representative payee, custodian or, in some cases, an attorney-in-fact (agent).

An administrator is the person or corporation appointed by a court to settle the estate of a deceased person if no valid will can be found, or if there is a will and the named fiduciary does not serve.

An executor or executrix is the person or corporation appointed by a will to settle the estate of a deceased person and approved by the court to serve as such.

This can vary based on the specific type of account ownership. For example, for individually owned accounts, the applicable transfer process (formal probate, small estate process) generally determines when an account will be closed. The person authorized to handle the estate will need to present the state-specific documents establishing their authority.

The specifics of each account are different, so the time it may take to settle an account will also vary. We begin to process a request as soon as we receive the necessary documents.

Some possibilities to consider include:

• Online Banking IDs and scheduled bill payments
• Direct deposits
• Debits, loan payments and scheduled Automated Clearing House (ACH) or payments (used to pay, for example, a mortgage, an auto or boat loan or a student loan)
• Investment and retirement accounts

Agencies you may need to contact include:

• Social Security Administration - 800-772-1213
• Defense Finance & Accounting Service (DFAS) - 888-332-7411
• U.S. Department of Veterans Affairs/National Cemetery Administration - 800-827-1000
• Office of Personnel Management - 202-606-1800
• Railroad Retirement Board (RRB) - 877-772-5772

Our Home Equity Line of Credit has a term of up to 30 years, which allows you to have more balanced payments throughout the life of your line. And, because you have up to 30 years to repay it, your monthly payment is typically much lower.

At this time, our Home Equity Line of Credit is available as a first or second lien on owner-occupied homes. Our Equity Line of Credit will not take a lien position behind a another institutions Equity Line of Credit. and can be the only ELOC on your property.

This product is offered in  AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA, WA and WI.

Closing Costs - Third Federal does not charge customers closing costs.  Closing costs may include a credit bureau report, appraisal, title work, flood evaluation, mortgage filing, mortgage and other miscellaneous taxes. (Florida borrowers are responsible for doc stamps and intangible taxes; New York, Maryland, Minnesota, Tennessee and Virginia borrowers are responsible for mortgage taxes; Georgia borrowers are responsible for intangible recording tax.).

Application Fees and Loan Origination Fees - Third Federal does not charge customers for these fees. Some financial institutions will charge customers a fee to help recover the costs of originating a home equity account.

Annual Fees - There is $95 annual fee.

Prepayment Penalties - Third Federal does not charge customers for paying off or closing the account. Due to the costs associated with setting up a home equity line of credit, many financial institutions will charge customers a fee (ranging from $150 to $350) for closing the account within the first two to three years after the account is opened.

From time to time, the interest rate on your Home Equity Line of Credit (HELOC) may change due to a change in the Prime Rate.

The interest rate will change effective the date of the Prime Rate change, and the interest is prorated based on when the change occurred during the month.

No. Our equity line allows you to begin paying back principal and interest right from the start. This gives you a more consistent monthly payment throughout the life of your line and it also enables you to build equity faster.

Third Federal offers five home equity loan (HELOAN) products: a 5-year fixed, 10-year fixed, 15-year fixed, 20-year fixed, and 5/1 adjustable rate HELOAN. The term of the 10-year fixed can be from 6-10 years. The term of the 5/1 adjustable rate HELOAN can be from 6-30 years.

You can make a regular payment on your loan as well as a principal only payment through Online Banking. Under the Payments and Transfers Tab are options to make a payment from your Third Federal account or from an external account.

A home equity line of credit offers flexibility to the borrower. It is an authorization to borrow up to a specific dollar amount. The customer can use as little or as much of the line of credit as needed, whenever it is needed. Interest is only paid on the borrowed amount. The rate is variable and based on Prime Rate.

With a home equity loan (HELOAN), you receive funds in one lump sum. For a fixed rate HELOAN, you will pay a fixed monthly payment for the term of your loan. For an adjustable rate HELOAN, the rate is fixed for the first set years (for example: five years for a 5/1 adjustable rate HELOAN). After the initial fixed rate period, the rate would adjust to Prime Rate one time per year.

This may depend on your financial situation and your credit history. Some financial institutions will request that you close your credit card accounts as a condition of approval.

Because you're paying principal right from the start, your monthly payments are more balanced and reliable. Many equity lines have large payment increases at the end of their draw periods. There are no surprises with our equity line. With our lower rates and faster principal payback, the average customer saves about $8,000* over the life of their loan.

You may apply for an Equity Line of Credit by applying online, visiting one of our branch locations or by calling Customer Care toll-free at  1-800-844-7333.

A home equity line of credit is much like a credit card, except that you are using your home as collateral for the money that you borrow. You typically receive a much lower interest rate and the interest is frequently tax deductible (consult your tax advisor).  You are given a maximum line amount that you can borrow against and pay back as often as you like. You must make a minimum payment  each month.

Since it's set up as a line of credit, you won't be charged until you use the funds. Once you have an active monthly balance, your monthly payments are based on how much you borrow and the current rate of interest on the account.

The most common ways to access your line of credit are with checks or a debit card. You only pay principal and interest on the money as it is borrowed. Once the money is paid back, you may use the funds again.

A draw period is a time frame during which you can both borrow and pay back on the line as many times as you like. During the draw period, you are required to make minimum monthly payments.

When the draw period is over, a repayment schedule will be set up.  Because it is a flexible line of credit, a Home Equity Line of Credit is particually useful in situations where you are uncertain how much funding you will need or you anticipate having to borrow again in the future.

Yes. Third Federal offers Home Equity Lines of Credit in AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA, WA and WI.

At this time, Third Federal offers home equity loans in 25 states: AZ, CA, CO, CT, DC, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA and WA.

For more information, please apply online at apply online, contact our Customer Care department toll-free at 1-800-844-7333 or visit one of our branch locations.

The Prime Rate is the interest rate charged by banks to their most creditworthy customers. The Prime Rate has traditionally been priced at 3% above the Fed Funds Rate, which is set by the Federal Reserve. For example, if the Fed Funds Rate target is at 4.50% then Prime Rate will be 7.50%. Third Federal does not set the Prime Rate.

At this time, Third Federal offers home equity loans in 25 states: AZ, CA, CO, CT, DC, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA and WA.

Third Federal offers Home Equity Lines of Credit in 28 states: AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA, WA and WI.

Interest Rate is the rate used to perform interest calculations and establish the monthly mortgage payment.

Annual Percentage Rate (APR) defines the cost of the loan expressed as a yearly rate, the amount of interest in dollars and the total payment over the life of the loan.

You can apply with Third Federal, but we will require you to close your existing account as a condition of approving you for the new account. Third Federal handles this process for you.

Yes, your Equity Card works the same way.

Debit cards work over the same worldwide networks (MasterCard, Visa, etc.) used to process credit card payments. With your personal identification number (PIN), you can use your card three ways:

1.  Withdraw cash from an ATM. 
2. Complete a cash advance transaction at the branch.
3. Request "cash back" at stores when making a purchase.

Third Federal is proud to be working with Fifth Third to provide you surcharge-free* access to hundreds of conveniently-located ATMs.

Fifth Third Bank has Jeanie Network ATMs located throughout Ohio and Florida. Click here for the Fifth Third Bank ATM locator.

*Surcharge-free applies to cash withdrawals only. 

You can submit your request to order free checks for your Equity Line of Credit through online banking. Log-in, go to the Additional Services tab, and select ELOC Check Order. Complete the form and click submit.

You can reach our Collections Department by calling toll-free 1-855-811-3145 during the following hours of operations:

Monday through Friday 8:30 AM - 5:00 PM ET

To activate your Third Federal Home Equity Card, call 866-619-0245 (or 513-534-0031 for International cardholders) to activate your Home Equity Card.

You can obtain a full copy of your credit report by contacting any one of the following credit bureaus.  Third Federal obtains credit information from all three of these companies.  

Equifax:  1-800-685-1111 or www.equifax.com
Experian:  1-888-397-3742 or www.experian.com
Transunion:  1-800-888-4213 or www.transunion.com

Everyone is entitled to a FREE copy of their credit report each year from EACH credit bureau.  You can go to www.annualcreditreport.com to order your free copies or go to each individual credit bureau.

To change the PIN (Personal Identification Number) for your Third Federal Home Equity Card, call toll-free 877-267-6914.

You need to make sure you know your current PIN and that you have activated your debit card before calling this number.

To apply for an Equity Line of Credit you will need to be able to estimate the following information:

• Gross annual or monthly income amount
• Your monthly payments for property tax and homeowners insurance
• List of assets (i.e., checking, savings, CDs)
• Paystub dated within at last 30 days of the application date illustrating year to date earnings of at least 30 days
• Most current year’s W2 form

Yes, income verification is required on our home equity applications.

You'll need to provide the following income documents for all borrowers:

• Gross annual or monthly income amount
• Your monthly payments for property tax and homeowners insurance
• List of assets (i.e., checking, savings, CDs)
• Paystub dated within at last 30 days of the application date illustrating year to date earnings of at least 30 days
• Most current year's W2 form

To view Tax Statements, login to your Third Federal Online Banking account, navigate to the Statements and Tax Documents tab, click on the Tax Statement card.

If you are not currently enrolled in paperless tax statements, navigate to the Statements and Tax Documents tab, select View Profile in the upper right corner, and then select the Pencil to edit your preference to Paperless and then click Submit. You will receive an email when your tax statement is available for viewing.

If you prefer to receive a hard copy, tax statements will be mailed by January 31 each year for the previous year. If you have not received your tax statement by February 15, you can request a copy by sending a secure message through Online Banking (located under the “Secure Messaging and FAQs” tab), or visit your local branch for assistance.

Transfer your funds:

• If you need to transfer your home equity line funds to an external account, you will first need to transfer the funds into a Third Federal savings account.
• To transfer funds from your ELOC to a Third Federal savings account, log in to Online Banking and navigate to the Transfers/Payments tab.
• Once your funds are in your Third Federal savings account, you may transfer to an external bank account.

Access your funds:

• Use your home equity debit card.
• If you do not have a card and would like to order one, log in to Online Banking and click on “Debit Card Order” from the “Additional Services” navigation menu.
• Utilize your HELOC checks.
• If you would like to order additional checks, log in to Online Banking and click on “ELOC Check Order” from the “Additional Services” navigation menu.

If your home suffered damage, your insurance company may send you an insurance loss check for the damages.  As the mortgage holder, Third Federal’s name may appear on the check.  It is standard practice to include the mortgage holder’s name on insurance loss checks.  If your property has sustained a total loss, please contact us at 1-800-THIRD-FED (844-7333).

All required documentation can be dropped off at a local branch, sent via fax, email or mail.
Insurance Loss/Customer Service Inquiries: 1-800 THIRD FED (844-7333)

Insurance Loss Fax Number: 216-271-7208 

Insurance Loss E-mail Address: insuranceloss@thirdfederal.com

Mailing Address: 
Third Federal Savings and Loan
7007 Broadway Ave.
Cleveland, OH 44105
Attn: Loan Services Dept.

You, the owner, and Third Federal, as the mortgage issuer, both have a vested interest in ensuring that repairs are satisfactorily completed, and your home is restored to its pre-existing condition.
Please stop in to your local Third Federal branch to process your insurance claim check, or if you do not have a branch nearby, please endorse the check and mail it to Third Federal to the address listed below.

Third Federal Savings and Loan
Loan Services Department – Insurance Loss
7007 Broadway Ave.
Cleveland, OH 44105

Note: All borrowers must endorse the check.  To ensure accurate and timely processing, please include your name, address, daytime phone number, and loan number on all correspondence.

• The Endorsed Insurance Check
• All pages of the proof of loss from the insurance company

• Signed contract(s) for repairs
• If there is another lien holder (other than Third Federal), proof of the principal balance
• If the other lien holder will be holding a building fund, a letter from the other lien holder stating this (or a written statement signed and dated by the customer)
• Any other documents pertaining to the loss.
• Signed Intent to Repair

Before Third Federal can release any insurance claim funds to you, your mortgage payments must be current. If your mortgage payments are not current, please call us at 1-800-THIRD-FED (844-7333) for assistance with your claim check.

If your payments are current, the Third Federal Loan Service team will review the provided information, make a decision on whether funds can be released or placed in an account while repairs are made, and then contact you by phone or e-mail. If funds are placed in an account, a final inspection is required before funds are released. Any inspection fees will be charged to the customer.

Insurance loss proceeds may not be used as payment to any public adjuster or other third parties retained by the borrower. If the total amount listed on the signed contract(s) and conditional waiver of lien form is greater than the amount that is being paid out by the insurance carrier, the borrower is responsible for paying the difference. A verified paid receipt for the difference will be needed prior to the final draw being released.

As the mortgage holder, Third Federal has an interest in the property, because it serves as collateral for your loan. Third Federal must monitor the repair process to ensure that the value and condition of the collateral is maintained.

Here's what you may have to pay when you close on a mortgage loan:

• Down Payment: Cash paid towards the purchase of a home.
• Private Mortgage Insurance (PMI): Required insurance to protect the mortgage lender against losses.  This cost may change based on your credit score.
• Closing Costs: These are typical costs associated with obtaining a mortgage.
• Prepaid Interest: Interest paid to cover the number of days remaining in the month you close. (Amount may change based on final closing date.)
• Title Insurance: Amount paid to protect against losses resulting from claims by others against your new property.
• Points: An optional one-time amount paid by you to lower your interest rate for the life of the loan.
• Real Estate Taxes: Amount of funds collected for future tax payments.  A reserve is collected at closing (escrow).

The Third Federal Preapproval is a FREE process that prequalifies income and credit for a specific loan amount  It is a true preapproval, not a prequalification.

A Third Federal Preapproval will give you the credibility and clout to get the paperwork rolling faster. You'll know up front how much house you can afford and show sellers and agents that you're a serious buyer, enabling you to negotiate better deals.

Find a lower purchase rate than ours? It’s hard to do, but if somehow it happens, with Third Federal’s Lowest Rate Guarantee, we’ll beat it or give you $1,000.

Wire Transfers and ACH Transactions: 
The routing number for Wire Transfers and ACH Transactions (all regions) is 241070530.

When Ordering New Checks:
The routing number for Ohio and the rest of the country (excluding Florida) is 241070530.  

The routing number for Florida branch locations is the following:

The routing number of 267090769 is used for the following Florida branch locations:
BOCA RATON
BONITA SPRINGS
CORAL SPRINGS
DELRAY BEACH
FT. MYERS
GREENACRES
HALLANDALE
NAPLES
NORTH PALM BEACH
PLANTATION

The routing number of 063192191 is used for the following Florida locations:
CLEARWATER
PORT RICHEY
SARASOTA
SEMINOLE
ST PETERSBURG
TAMPA

Currently, payoff information is not available online. 

Payoff figures can be obtained by calling Customer Care at 1-800-THIRDFED (1-800-844-7333), our Loan Service department (1-216-441-7322), or by visiting one of our branch locations.

Keep in mind that it might take several days for your enrollment confirmation to reach you.  We also send you an email with your enrollment information.  Please check your email box (including Junk or Spam folders) for this emai. 

If you don't receive the email and letter, please contact us.

Yes, we offer deposits through our Mobile App!

A person can be suspended by account or for all external funds transfers.  Suspensions can occur when you register or transfer an account that you aren't an owner on or if there aren't sufficient funds in the account to cover the transfer. 

Periodic reviews are done on transfers as well as account ownership and if discrepancies are found, accounts and/or customers may be suspended.

Suspensions affect external funds transfers only.  If you are suspended, you are still able to do internal transfers as well as use the other features of Online Banking.

If you have questions about the suspension, please contact our Customer Care Department at 1-800-THIRDFED (1-800-844-7333).

It's easy to sign up!  You'll need a driver's license or an account statement to get started.

• Go to our website at www.thirdfederal.com. 
• Under the Online Banking section of the home page, click Enroll and follow the instructions. 
• Enter the required information and click submit.
• Within 24 - 48 hours, you'll receive an email confirmation with instructions on how to login to your account.
• This information will also be mailed to you.
• You can enroll in Online Statements by clicking the Statements tab and accepting the statements agreement.

Yes. Third Federal offers a secure portal called My Loan Center that not only lets you check the status of your application but also lets you electronically send, receive and sign documents associated with your loan application. If your loan application is eligible to be part of My Loan Center, you will be able to access your information by responding to the My Loan Center email we send you, or by clicking the My Loan Center link on our home page at www.thirdfederal.com

If you have not previously set up your password for My Loan Center, you will be asked to answer a few security questions and create a password. My Loan Center is not available to all mortgage and home equity application customers. Your loan officer will let you know if you will receive your loan documents electronically.

You can do the following with Online Banking:

• Access your accounts 24 hours a day
• High level encryption makes it safe and secure to perform transactions, access account information and send messages online.
• Review deposit, home equity and mortgage account information
• Check account balances
• View check images as well as online access to deposit and loan account statements
• View and print up to six months of transaction history
• Transfer funds between checking, savings and home equity lines of credit accounts
• Transfer funds from your Third Federal deposit accounts to your other deposit accounts at other financial institutions
• Search our Knowledge Base for quick answers to your banking questions
• Schedule recurring transfers between checking, savings, and home equity line of credit accounts
• Make payments to your ELOC or mortgage accounts
• See mortgage escrow disbursements and year-to-date real estate tax information
• View mortgage payments received and next payment due dates
• Review current and prior year-to-date interest on your mortgage account
• Open and maintain CD accounts
• Order Checks
• Request Stop Payments and Address Change

To reorder checks through Deluxe Corp, our preferred check printer, sign into Online Banking, click on the "Additional Services" tab and then click "Order Checks (Checking account)." You will be securely transferred to Deluxe check ordering website. You also may reorder checks by calling Third Federal Customer Care at 1-800-THIRDFED (1-800-844-7333) or by visiting one of our branches.

You can view information for all accounts on which you have a Joint Survivorship (JTO), Joint And (JTA), Individual (SOL), Trustee (TRS), Custodian/Minor (CUG), Organization (ORO), Payable Upon Death (POD), Doing Business As (DBA), Administrator/Administratrix (ADM), Custodian (CUS), Executor/Executrix (EXC), Guardian (GRD) and Green Card POA relationship.

These accounts include checking accounts, Passbook/statement savings accounts, certificates of deposit, retirement accounts, mortgage loans, Equity lines and loans.

An ACH (Automated Clearing House) transfer is an electronic transaction that moves money between financial institutions.

You can open regular CDs and savings accounts online.  Ownership can be either individual or joint only. 

At this time, you are not able to open IRA or checking accounts online.

One of the purposes and benefits of Paperless Statements is to reduce paper. If you sign up for Paperless Statements, you will not receive paper statements for any of your deposit or home equity loan accounts. You can print your Paperless Statements if necessary.

Here's a description of how a Three Day Funds Transfer works.

A Three Day Funds Transfer request enters into the ACH system on the next business day following receipt of your request, provided you've made your transfer request before the cutoff time.

If you initiate a Three Day Transfer Funds after the daily cutoff time, the transfer will be debited from the source account on the second business day following the request date. Please note that all Transfer Funds requested during the weekend, up until the Sunday cutoff time, will be debited from the source account on Monday.

Scheduled and Recurring Transfers are processed as Standard Transfers and enter into the ACH system on their Send Date.

Depending upon the financial institution, it may take an additional business day for the transfer to be reflected in the account balance of the destination account.

You aren't able to recast your loan and change your monthly payment online. However, you may be able to recast by going to one of our branch locations. There you can apply a lump sum payment to your mortgage and request that your loan be recast.

You are able to also send in a written request to our Loan Services Department.

We do not offer bill payment.  However, you can use our transfer function to assist with bill pay.

No, you aren't able to completely pay off your loan online. You can pay the amount shown but there still may be interest due based on when you make a payment. 

You must first be enrolled in Online Baking to view your Deposit, Home Equity Loan, and Mortgage Loan account statements online.

Once you are enrolled and logged into Online Banking, simply click the Statements and Tax Documents tab and enroll into Paperless Statements by clicking I Agree after you acknowledge that you can see the test PDF.

Online Banking is a free service we provide to our customers.

The only area where you may be charged is if you choose the Next Day external transfer option.If you choose this, you will be notified of the fee and will have the option to decline.

To register for external funds transfer, please follow these instructions:

• You need to be enrolled in Online Banking in order to be able to register for external Funds Transfer.
• You can transfer between deposit accounts only, not loan accounts.
• You need to be an owner on any account you register.
• Before being able to use external Funds Transfer, you need to do the following:
• Log into Online Banking, click on the Transfers/Payments tab at the top and select external Funds Transfer.
• Follow the registration process which includes registering yourself as a user, validating your email address and registering your external deposit accounts.

Once you have completed the registration process, you'll be able to transfer funds.

• Make sure you are an actual owner of the account and that it is still open before registering it. If you aren’t an owner and you do transfers to the account, you could be suspended from using our external funds transfer service.
• You can only do external transfers between deposit accounts. You are not able to do external transfers to a home equity line of credit account, for example.
• You’ll receive update emails when you do external funds transfers. Please make sure your email address with us is current. Go to “Settings” under the external funds transfer section to confirm your email address. This way, you’ll be sure to receive these important emails.
• When registering an external account, it can take several days for the trial deposits to be made. Once you find out what the amounts are, go back into Online Banking, click on the "Transfers/Payments" tab, go to "Transfer Funds", then "To/from my other Bank Account (external)" and enter the exact amounts that were deposited. There will be one withdrawal in the amount of the two small deposits. Only the two deposits will need to be verified.
• With an external funds transfer, the debit always occurs first. Two attempts will be made to collect the funds from the account being debited. If there aren’t sufficient funds in the account after the first attempt, you’ll be notified via email so you can add additional funds to that account. If there aren’t sufficient funds available on the second attempt, that account will be suspended and you won’t be able to do any external transfers with this account.
• Transfers request will not be completed if the amount exceeds the individual transaction limit, amount exceeds the monthly limit (last 30 days), or outstanding transfers (transfers initiated but which have not yet been completed) plus new transfer requests exceed the limits.
• To protect you and ensure the security of all transfers, periodic reviews are done on transfers as well as account ownership. If any discrepancies are found, accounts and/or customers may be suspended.
• Suspensions affect external funds transfers only. You’ll still able to do internal transfers as well as use the other features of Online Banking. 
  
   
  
  

To add an external account to Funds Transfer, you have to go through a validation process called Trial Deposits.

Two small deposits will be deposited in your external deposit account.  You will be asked to verify what the amounts of these deposits are.  We will also make a withdrawal in the amount of the two deposits.  You won't need to validate the debit.

You verify the amounts by going into Funds Transfer, click on the red Verify link by the account and entering in the amounts.

Accounts Requiring Verification

• Sign up for Electronic Transfer, and we will automatically deduct your equity payment each month from your existing checking or savings account. To sign up, just complete the Automatic Payment Authorization Form posted under the Important Information tab within Online Statements.
• Make your payment online through our Online Banking Funds Transfer. You can transfer funds from either a Third Federal deposit account or an external deposit account.   .
• Visit a local branch and make your payment in person or use the Night Deposit Box.
• Mail your payment to:

       Third Federal
       PO Box 94974
       Cleveland OH 44101-4974

No, you aren't able to completely pay off your loan online. You can pay the amount shown, but there still may be interest due based on when you make a payment.

Available balance is the amount in your account that is available to you to use at that particular time.  You may have additional money that you have deposited but it isn't available to you due to hold times.

There are two reasons why you may show a difference between your account balance and your available balance.

The first reason may be due to a check hold. Whenever a check is cashed/deposited with Third Federal, a hold is placed on these funds.

The second reason for a difference in account balance and available balance would be due to a debit card transaction hold. Whenever a debit card transaction is processed without the use of your PIN number, a hold is placed on your account until the transaction is completed. This process could take a few days. These types of holds normally appear on your account for two or three business days.

The available balance is your account balance minus any debit card or check holds. Your account balance does not reflect any holds.

You can submit your request to change your address through online banking. Log-in, go to the Additional Services tab, and select Change of Address. Complete the form and click submit.

Yes, you can place a stop payment request on a check in online banking or on the mobile app if the check has not already cleared.

Login to Online Banking, go to the Additional Services tab, and select “Stop Payment on Checks”.  The Stop Payment link can also be found when you are viewing your account history under the Other Services navigation on the right side.  In mobile app, log in to the app and then select the "More" button then select the "Stop Payment on Checks" option.

The “Stop Payment on Checks” screen allows for you to either place a stop payment request on a single check or for a range of checks.  Enter the appropriate information and submit your request.   Please be aware that a Stop Payment fee will apply.  Please refer to our Fee Schedule for applicable fees. The Stop Payment request is good for 6 months from the submission date.

Once your request has been submitted, you will receive a confirmation screen and if successful, a Success screen.  If you receive a message that states “We are unable to stop payment on your check(s).” then the check has either already cleared or a stop payment request has already been submitted.  If you have questions please contact Customer Care Service at 1-800-844-7333.

It's usually about 12 months but it really depends on how much transaction history you have on the account.  For example, if you write a check from an account that you frequently access with your debit card, it may be less than 12 months. 

Even though you may no longer be able to view a check image in Online Banking, you can request a copy of a check at any time.  Upon request, we'll provide up to 5 check copies free of charge (per account, per calendar year).

In Paperless Statements, if you click on the Payment Information tab, you'll see a coupon at the bottom that you can print and include with your payment should you decide to mail it.

You should be very careful when using a public computer (such as a public library, hotel computer, internet cafe computer) or a computer that is not your own (such as a family member's computer).

If you do use a public computer, make sure that you do not add the extra security to that computer.  Also, make sure that noone is watching you as you enter in your Username and Password. 

Our recommendation is to avoid going to sites where your personal and financial information might be compromised.

In Online Banking, the "Due Date" displayed on screen can mean two different things for Home Equity loans. It means either the actual Payment Due Date or the Statement Processing Date. 

Since you can view up to 18 months of statements in Online Banking, you may never need to print your statements. But if you do, you can print your statements directly from your browser. Depending on your browser and the type of viewer in which your statements are displayed, there are different ways to print statements.

Yes, you can make a payment on your Home Equity Loan/Line. You can transfer funds from your Third Federal savings/checking account or from your external checking/savings account using the routing and account number from your other financial institution.

We save at least 12 months of history that you can access.  For some accounts with fewer transactions, you will be able to see a longer period of history.

No.  You will still receive CD maturity notices in the mail for CD’s greater than 30 days.

Yes. There are two buttons to choose from when making an online payment to your loan.  The first is Standard Payment.  If you choose Standard Payment, the payment is applied to interest, then principal and finally, any fees. The "Due Date" is then changed to the Statement Processing Date. 

The second option is Principal Only Payment. Only choose this if you've already paid your monthly amount due and want to make a payment to principal only.

If you choose Principal Only Payment, the payment will be applied to principal only.  However if you choose Principal Only Payment and there is an amount due, your payment will be applied to interest and the remainder will be applied to principal.

Yes, the five most recent checks can be viewed in the Mobile App and Mobile Web. If a check is associated with a transaction, you'll see a small icon of a check in the Account History section.

If you tap on that check image, the front and the back of the check along with the amount and the date it posted are displayed.

Yes, we will still mail you your statements. However, we encourage you to enroll in Paperless Statements. You'll be able to view your deposit and home equity loan account statements online. We will store the Paperless Statements for 18 months from the time you enroll so you won't need to worry about printing them out.

To enroll in Paperless Statements, simply click the Statements and Tax Documents tab within Online Banking and accept the Paperless Statements Enrollment Agreement.

As long as your browser and operating system are compatible with Online Banking, you can use whichever you prefer.  However, unless you enroll each computer and each browser in the Enhanced Login Security, you'll be required to enter a One-Time Access Code each time you login to Online Banking.

You can receive your One-Time Access Code via text message, voice message or email, depending on what you have registered.

If you've forgotten your Username, there is a way that we can help. Just click on the "Forgot Login?" link right under the login box. On the "Can't access your account?" screen, click on the "I forgot my username link" on the bottom. You will be asked to enter the email address you use with Online Banking. We will validate your email address and send instructions to you.

There is no charge from Third Federal to use Mobile Banking.

However, you should check with your wireless service provider to determine if they charge for sending and receiving data and text messages, internet access or using a web browser on your device.

Yes. You can log into Online Banking and click on the Statements and Tax Documents tab to change your statement preferences under the Profile tab.

No. If you want to close your CD account during the 7-day grace period after maturity, you can contact Customer Care at 1-800-THIRDFED (1-800-844-7333), . 

We will be happy to walk you through the information needed to complete this transaction

You can submit your request in writing to our Customer Care department at Third Federal Savings & Loan 7007 Broadway Ave, Cleveland OH 44105. Please make sure to include your signature along with a daytime phone number in case we need to contact you. You can simply call us as well at 1-800-THIRDFED (1-800-844-7333)

• Must be between six and 20 characters long
• Must contain one letter
• Can contain letters, numbers and the following special characters: @ $ *_ - = . ! ~
• Cannot contain any whitespace (spaces are not allowed; including before, in the middle of or after the User ID)

• Must be between 10 and 32 characters
• Must contain at least one character from all three categories:
  • Letters (including one upper case letter AND one lower case letter)
  • Numbers
  • Any special characters
• Cannot contain any whitespace (spaces are not allowed; including before, in the middle of or after the User ID)
• Cannot be a substring of the User ID
• Passwords are case sensitive
• Passwords do not expire 

Yes, you can use external funds transfer via mobile device. When logged into your mobile app, you can access this feature by clicking on "More" in the lower right corner, and the "External Transfer" option.

Alerts can be accessed from the "Alerts and Notifications" tab. Login to the full version of Online Banking (from your pc) to set up text alerts. 

Customers are required to reply with a six-digit code to activate the feature. You can use the mobile alerts in conjunction with the email alerts that already are in Online Banking. 

This means that our Online Banking system is unable to present your current account information.  The most common reason for this is because Third Federal is doing maintenance on our mainframe computers. 

Even if your account information is not available, you can still view your Online Statements, update your email address, change your options for MFA and send us a secure message.

You may have received the MFA One-Time Access Code via email, mobile phone or automated voice message because someone you shared your Online Banking User ID and Password with has attempted to login to Online Banking. 

This could be your spouse or a company you've requested to do something on your behalf.  Perhaps you registered at a website that will pull all of your account information into one location.  Or perhaps you signed up for an ACH transfer, new direct deposit, electronic tax refund, signed up for bill pay, etc.  If you did and you provided your Online Banking credentials, that company could be trying to verify that the account is actually yours.

If you don't recall doing any of these things, please let us know ASAP so we can investigate further.

Yes. You can be logged into Mobile Banking and Online Banking at the same time, with multiple devices such as a smart phone and a pc. However, you will automatically be logged off after ten minutes of inactivity.

Yes.  You can see if your check has cleared by reviewing the account's transaction history.  In addition, you can view the check image online as well!

You can set up a one-time or scheduled transfer (weekly, bi-weekly and monthly) using your Third Federal statement savings or checking account. 

When you are in Online Banking, simply click on the "Payments and Transfers" tab and it will guide you through the process.

• Must be between 10 and 32 characters
• Must contain at least one character from all three categories:
  • Letters (including one upper case letter AND one lower case letter)
  • Numbers
  • Any special characters

• Cannot contain any whitespace (spaces are not allowed; including before, in the middle of or after the User ID)
• Cannot be a substring of the User ID
• Passwords are case sensitive
• Passwords do not expire 

There are a number of benefits to Paperless Statements:

• Access your Paperless Statements more quickly than your mailed paper statements
• View up to 18 months of statements
• Save statements electronically for future needs
• Eliminate clutter since you no longer need to store paper statements
• Helps protect the environment
• Eliminates a mailbox of paper statements

Yes, there are two places to access notifications. You can click on the "My Settings" link at the top right of the screen and click on "Alerts and Notifications" on the bottom of that screen. Or you can click on the "Alerts and Notifications" tab at the top. You'll be able to set up balance alerts based on certain criteria that you select. You'll also be able to set up notifications for CD maturity dates and when a check clears.

Yes. In order to use Mobile Banking, you need to be enrolled in Online Banking and have logged on at least once from your pc.

You may have brought your remaining balance owed lower than your monthly payment due.  Since you can't completely payoff a loan online and your balance owed is less than your monthly payment due, there aren't any more transfers you can do online.  You'll need to contact us to finalize the closing of your loan account.

Currently we're not able to provide combined paper or paperless statements. You are able to view your deposit, loan and tax statements online. This service eliminates the hassle of receiving multiple paper statements in the mail.

If you have a Third Federal mortgage loan with autopay from a Third Federal deposit account, your loan information will be included on that account statement.

While the feature is available to users, we don't recommend storing your login credentials anywhere on your mobile device. Even if you attempt to hide the information, it could be accessible if someone else has your mobile device.

Please contact Customer Care toll-free at 1-877-487-1748 and we'll be happy to help you.

We recommend that you check with the wireless service provider to determine access.

No - each person should enroll in Online Banking separately - with a separate User ID and Password. 

This is especially important if you decide to register for external funds transfer.  If you don't have the correct individual Online Banking credentials, you may not be able to do external transfers.

Deferred Fees and Deferred Expenses are items that you see in your loan's account history each month.  These are the total of all of the fees and expenses for your loan and are amoritized over the life of the loan.

If you see a larger amount of deferred fees and deferred expenses, this probably means your loan has been sold.  However, Third Federal never sells the servicing of its loans so always contact us if you have any questions or issues regarding your loan.

Check images are not available when viewing Paperless Statements. However, you can view check images when logged into Online Banking and viewing the account history. Simply click the blue drop down arrow by the associated check number you would like to view.

You can change your password at any time by going to "Settings" which is at the top right of the screen. We recommend you change your password frequently. Remember, the longer your password is, the more difficult it is to break.

Here are the password requirements:

• Must be between 10 and 32 characters
• Must contain at least one character from all three categories:
  • Letters (including one upper case letter AND one lower case letter)
  • Numbers
  • Any special characters

• Cannot contain any whitespace (spaces are not allowed; including before, in the middle of or after the User ID)
• Cannot be a substring of the User ID
• Passwords are case sensitive
• Passwords do not expire 

Your payment may have been reversed because you didn't have a balance due when you did the transfer.  When this occurs, we reverse the payment back to the deposit account and adjust your available balance accordingly.

No. In order to be eligible for Mobile Banking, you have to enroll in Online Banking and login at least once on the full version of Online Banking from your pc.

Secured web communications usually isn't what people think it is.  It's generally just an encrypted connection between the customer's computer and a web server somewhere.

Secured web communications doesn't do anything to validate that the person sitting at that remote computer is who they claim they are.

Yes.  Simply click on your mortgage account on the My Accounts page to view this information.

You can simply go to the Online Banking Login page and click on the "Forgot Login" link right below the login box.

Personal checking, savings, CD, Home Equity and loan account statements can be viewed online.

We will store your Paperless Statements for 18 months online.

According to your mortgage note, payments received more than 15 days after the payment due date will receive a late charge.   However, we recommend you make your payment by the due date. 

If we currently have an email address for you on file, you can simply go to My Settings in Online Banking to update it. 

Yes, you can renew online. Under the "Additional Services" tab select "CD Maintenance."  You can select the new term that you would like to have for your CD, as well as add funds or withdraw to/from another Third Federal checking or savings account. However, certain CDs may not be eligible to rollover online and to close your account during the 7-day grace period after maturity, please contact Customer Care Service at 1-800-844-7333.

Yes you can.  Click on the account and you'll see the detailed history. Click on Account Details and the current year and prior year total interest paid will be displayed. 

To ensure that you are in a secured session, you can check the lower right or left corner of your screen.  If a closed lock or a whole key appears, then that is confirmation that you are in a secured session. 

Third Federal also requires that your computer support 128-bit encryption and that you are running a browser version of 4.0 or higher (Microsoft Internet Explorer or Netscape Navigator).

Yes. The default history range is 10 days. However, you can change this to show in 30 day increments, monthly or customize your search. To select an option in the default data range, simply click on the "Data Range" section under the account name and you'll be presented with the options.

Third Federal's short code is 454545. All of our text alerts and Text Message Banking messages are sent from this short code.

You can add this short code to your Contacts for quick access.

From time to time we make changes to our systems or products and need to update our disclosures. We need you to review and accept the new disclosures so you understand how the changes may affect you.

If you suspect you've received a fraudulent e-mail, please notify us by sending an e-mail to abuse@thirdfederal.com.  If possible, please attach the fraudulent e-mail that you're referring to.

If you lose your mobile device, you'll need to contact your wireless service provider and Third Federal.

This way your device can be disabled, wireless service suspended and access to Online Banking will be blocked. This will protect your confidential information as well as your accounts with us.

Let's consider what happens if a criminal is in possession of someone else's identity. They go to a financial institution’s Online Banking enrollment page and they fill out the enrollment form using the stolen information.

At Third Federal, we try to balance the needs of our customers for fast, easy Online Banking with the need to protect confidential information, maintain the overall security of our institution and the financial services we offer. Third Federal has a wide variety of security tools in place and we continually look at new technologies and internet security strategies to keep our systems and your accounts safe.

If you are enrolled in Paperless Statements you can view, print and save your statements. However, since you can view up to 18 months of statements in Online Banking, you may never need to do so. 

You can print your statements by clicking on the Printable Version link within the statement. Or you can click on the Save as PDF link within the statement to save the statement and/or print it.

Please call our Internet Services Department toll-free at 1-877-487-1748 and they will be able to assist you.  Before calling us you will need to check with your financial institution to see if the two deposits were made and what the amounts are. 

You can do this by checking your account statement online or by calling your financial institution directly.  Remember that this is the external account that you asked us to transfer money from to your new account at Third Federal.

You will need to know the trial deposit amounts in order to complete the verification process.

Wire Transfers and ACH Transactions: 
The routing number for Wire Transfers and ACH Transactions (all regions) is 241070530.

When Ordering New Checks:
The routing number for Ohio and the rest of the country (excluding Florida) is 241070530.  

The routing number for Florida branch locations is the following:

The routing number of 267090769 is used for the following Florida branch locations:
BOCA RATON
BONITA SPRINGS
CORAL SPRINGS
DELRAY BEACH
FT. MYERS
GREENACRES
HALLANDALE
NAPLES
NORTH PALM BEACH
PLANTATION

The routing number of 063192191 is used for the following Florida locations:
CLEARWATER
PORT RICHEY
SARASOTA
SEMINOLE
ST PETERSBURG
TAMPA

To initiate an outgoing wire transfer, customers may visit a local full service branch, or submit a request through writing. The required information for submitting a request through writing is listed below.  Customers are encouraged to contact Customer Care Support at 1-800-844-7333 to ensure we can process the written request and provide mailing address instructions.   Please allow adequate time for mail delivery.  

The written request will require the following information:

• An original (not facsimile), notarized signature 
• Dated no more than 30 days old 
• Include the Third Federal Account Number, wire amount, customer’s name and address 
• Include the name, address, phone number, routing and account number of the bank the funds are going to 
• Acknowledgement of the outgoing wire fee amount of $25.00
• A copy of the account holder(s) unexpired driver’s license, state ID, or passport 

PLEASE NOTE: Only domestic wire transfers are permitted.

Yes, FDIC deposit insurance is $250,000 per depositor.

FDIC allows for separate $250,000 coverage for deposits held in your name alone (single accounts), accounts with more than one person (joint accounts), accounts that name beneficiaries when you die, and certain retirement accounts such as IRAs.

For more information on FDIC insurance, please visit the FDIC website at www.fdic.gov.(Opens in a new window)

Traditional IRA: Contributions may be tax-deductible and the interest earned is tax deferred. Taxes are deferred until the year in which the withdrawal is made.

Roth IRA: Contributions are not tax- deductible, however, the earnings may be tax-free on qualified distributions.

SEP: A Simplified Employee Pension (SEP) is for those who own a small business or are self-employed. Taxes are deferred until the year in which the withdrawal is made.

As long as you are working, there is no maximum age to make a contribution to a Traditional, Roth or SEP IRA. Consulting with a tax advisor is recommended before making a contribution.

For more information, visit our Retirement Accounts page.

There are two reasons why you may show a difference between your account balance and your available balance.

The first reason may be due to a check hold. Whenever a check is cashed/deposited with Third Federal, a hold is placed on these funds.

The second reason for a difference in account balance and available balance would be due to a debit card transaction hold. Whenever a debit card transaction is processed without the use of your PIN number, a hold is placed on your account until the transaction is completed.  This process could take a few days.  These types of holds normally appear on your account for two or three business days.

The available balance is your account balance minus any debit card or check holds.  Your account balance does not reflect any holds.

For the Interest Savings account, there is daily interest accrual which is compounded and paid monthly.  Usually this interest posts around the 26th or 27th of the month.  

You will receive an annual statement unless there is activity on the account such as a withdrawal or a deposit.  Interest posting alone does not count as activity.

Yes, since IRA accounts are individual accounts, you can view your own IRA accounts in Online Banking.

We offer debit card access to our Checking and Statement Savings accounts; however, we do not offer ATM only cards. You can use your Third Federal Debit Card to make unlimited, free purchases at any retailer worldwide that accepts MasterCard®.

Third Federal has partnered with Fifth Third to provide ATM access.  As long as you stay within the Fifth Third's ATM network, there will not be a Third Federal surcharge associated with your withdrawals.

The first four ATM withdrawal transactions at any Fifth Third ATM machine within your statement cycle period (monthly) are free of charge. After the fourth ATM withdrawal, your account will be accessed a $2.00 fee for each additional withdrawal within the statement cycle period. 

Check Deposits - $500 is available on the same day of deposit,  $6,225 is available on the second business day following the deposit.  For deposits over $6,725, the remaining amount is available on the 5th business day.

Please see our Funds Availability Policy, which is located in our Truth in Savings Disclosure, for more details.

Third Federal offers Savings Accounts, Retirement Savings Accounts, Certificates of Deposit and High Yield Checking.

We need to carefully identify you when we talk with you either at the branch, on the phone, or via the internet.  We ask questions to protect you and Third Federal from fraud.

You have 60 days from the day we send your bank statement to dispute an ACH and claim it is unauthorized.

You'll need to provide the following information when opening an individual or a joint account:

• You will need a valid Driver's License, State ID or US Passport.
• A valid U.S. address and Social Security number are required.
• You must be at least 18 years old and a U.S. citizen or a U.S. resident alien.
• You will be required to provide personal information, including your birth date.
• If you choose to fund your new account via a transfer from another deposit account at another bank, you'll need to provide the routing number and account number of that deposit account.

Currently, an IRA account may be opened by visiting your local branch in Northeast Ohio or Florida or by calling our Customer Care Service department at 1-877-324-5661. This transaction is not available online.

Yes, Third Federal will accept rollover deposits into an IRA. We will accept a rollover from a Traditional, Roth, and SEP IRAs. We also accept direct rollovers from a qualified retirement plan (QRP). Third Federal Savings will rely on the representation of the employer or plan administrator and/or the participant to ensure the funds are eligible to be deposited as a rollover.

We will report the rollover / direct rollover to the Internal Revenue Service and the customer on IRS Form 5498.

*Consulting with a tax or financial advisor is recommended before making a rollover contribution.

When opening an account online, you have the option of individual or joint owner account relationship. If choosing a joint ownership relationship, you may only open the account with one primary owner and one joint owner.

Currently, retirement accounts are not available online.

There are three ways to fund your online account:

• Transfer (ACH) from a deposit account you have at another financial institution. Maximum amount to fund by ACH is $100,000 for Savings Accounts and $250,000 for CDs.
• Transfer from an existing deposit account you have at Third Federal.
• Mail in a check for the amount you want to fund your account. The maximum amount to fund by check is $500,000.

To view Tax Statements, login to your Third Federal Online Banking account, navigate to the Statements and Tax Documents tab, click on the Tax Statement card.

If you are not currently enrolled in paperless tax statements, navigate to the Statements and Tax Documents tab, select View Profile in the upper right corner, and then select the Pencil to edit your preference to Paperless and then click Submit. You will receive an email when your tax statement is available for viewing.

If you prefer to receive a hard copy, tax statements will be mailed by January 31 each year for the previous year. If you have not received your tax statement by February 15, you can request a copy by sending a secure message through Online Banking (located under the “Secure Messaging and FAQs” tab), or visit your local branch for assistance.