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
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 reorder checks through Deluxe Corp, our preferred check printer, sign into Online Banking on your computer or through our mobile app. Once you complete the steps below, you will be securely transferred to Deluxe check ordering website.

• To order through online banking on your computer - Select the "Additional Services" tab, and then, click "Order Checks (Checking account)."
• To order through the mobile app - Select “More” and then, click “Order Checks (checking account).”
• 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.

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.

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).

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

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!

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.

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.

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.

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)

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.

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 

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 of or if there aren't sufficient funds in the account to cover the transfer. 

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

Suspensions impact 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).

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 fund 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.

Requirements of External Funds Transfers at Third Federal

• 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.

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

• Log into Online Banking, click on the Transfers/Payments tab at the top and select External Funds Transfer, or in the Mobile App, select "More" in the lower right corner, and the "External Transfer" option.
• 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.

Quick tips and guidelines for external transfers

• You can only initiate external transfers between deposit accounts. Home equity accounts are not allowed.
• You must be the owner of the external account and the account must be open before registering it. If you are not the account owner, you could be suspended from using our external funds transfer service.
• You’ll receive notifications by email when you conduct an external funds transfer. Please make sure your email address is updated before initiating. Go to “Settings” under the external funds transfer section to confirm your email address.
• 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, the external account will be suspended from future use.
• 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 impact external funds transfers only. You’ll still able to conduct 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

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.

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.

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. 

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. 

Yes, we offer deposits through our Mobile App!

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.

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

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.

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.

To make a payment reduction to your loan, visit one of our branch locations or send a written request to our Loan Services Department at the following address:

7007 Broadway Ave., Cleveland, OH 44105

Customers may not pay off their loans online at this time. However, payoff requests can be submitted within Online Banking. From the navigation bar, click on Additional Services, then select Payoff Quote Request Form. Fill in the requested information and submit. You will receive a payoff figure within 2 business days.

Payoff figures can also be obtained by calling Customer Care Service department at 1-800-844-7333 or by visiting one of our branch locations.

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.

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.

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

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

You must first be enrolled in Online Baking to view your account statements online.

Once you are enrolled and logged into Online Banking, simply click the Statements and Documents tab and enroll into electronic statements by clicking "I Agree" after you acknowledge the disclosure. 

In Electronic 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.

Since you can view up to 24 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 log into Online Banking and click on the Statements and Documents tab to change your statement preferences under the Profile tab.

Currently we're not able to provide combined paper or electronic 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.

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

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

We will store your electronic statements for 24 months online. 

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

If you are not currently enrolled in electronic tax statements, navigate to the Statements and Documents tab, select View Profile in the upper right corner, and then select the Pencil to edit your preference to Electronic 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.

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

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.

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.

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.

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.

Yes, we will still mail you your statements. However, we encourage you to enroll in electronic statements to view your account statements online. We will store the electronic statements for 24 months from the time you enroll so you won't need to worry about printing them out.

To enroll in electronic statements, simply click the Statements and Documents tab within Online Banking and accept the Electronic Statements Enrollment Agreement.

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.

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. 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.

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).