First Financial Northwest Bank is a corporate leader. We take our responsibilities seriously, not just as a member of this community, but as a regional and even national entity. We will continue to respect the rights and privacies of individuals and do not tolerate any prejudice, whether it be based on race, color, creed, religion, sex, age, national origin, marital status, sensory, physical or mental handicap, political ideology, or sexual orientation.
The Consumer & Business Account Disclosures contain Privacy Notice, Terms & Conditions, Electronic Transfer, Debit Card Agreement, Funds Availability, Online Banking Terms & Conditions and Substitute Checks Consumer only.
Outside surcharges may be assessed at some ATM locations. The above limits only apply to consumer accounts. For business accounts please reference your Business Debit Card Agreement.
By providing your cell phone number, you have given us express consent to send telemarketing text messages regarding our products and services. Pursuant to the Telephone Consumer Protection Act and the rules adopted by the Federal Communications Commission “FCC), it is important that you understand the following:
You agree and expressly consent to be contacted by the Company and by our agents through the contact information including the cell phone number that you provided.
Opt-out or STOP
If you wish to stop receiving marketing text messages from First Financial Northwest Bank reply STOP to any text message sent.
Help or Support
If at any time you need contact information or information on how to stop text messages, reply to any text message sent by replying HELP.
Any questions regarding the information outlined in this “SMS Text Message Terms of Use” or to have a copy of same mailed to your address of record, please contact:
First Financial Northwest Bank
Attn: Marketing Department
PO Box 360
Renton, WA 98057
866.372.1200
info at ffnwb dot com
These Terms of Use (“Terms”) govern your use of any eligible debit card issued by First Financial Northwest Bank (“Card”) when you add, attempt to add, or keep a Card in a mobile wallet or any other electronic payment system into which your Card may be enrolled by you (“Wallet”) on any mobile phone, tablet, watch, or other device (“Device”) that supports the Wallet. Read these Terms of Use carefully before adding your eligible Card to the Wallet. By doing so, you accept and agree to be bound and abide by these Terms of Use. The words “you” and “your” mean a First Financial Northwest Bank account holder and the words “we,” “us,” and “our” mean First Financial Northwest Bank.
The Wallet enables you to create virtual representations of your Card, using a Token on your Device that will permit you to use your Device to make (i) contactless payments at merchants’ contactless-enable point-of-sale terminals or readers that accept contactless payments in the United States, its commonwealths, possessions, and territories in lieu of you presenting your physical Card and (ii) online or in-app purchases at merchants participating in the Wallet. A Token is a VISA assigned number that replaces your card account number and information in the transaction process.
Your Account or Cardholder Agreements Still Apply
Your Card is governed by deposit account agreements (Terms and Conditions of Your Account, as well as Electronic Fund Transfers-Your Rights and Responsibilities, the Fee Schedule and Business Fee Schedule; collectively referred to as “Account Agreements”). The Account Agreements may describe, for example, the applicable fees and other rights and obligations that apply when you use a Card. In the event of any conflict between these Terms of Use and your Account Agreements, the terms and conditions of your Account Agreements will control. You understand that your use of the Wallet will also be subject to agreements or terms of use with the relevant mobile wallet provider (“Wallet Provider”) such as wireless companies or data service providers.
Using a Card for the Wallet
If you want to add a Card to the Wallet, you must follow the procedures adopted by the Wallet Provider and any further procedures we adopt. You understand that not all Cards are eligible to be added to the Wallet. We may not add a Card to the Wallet if we cannot authenticate the Card or if we otherwise suspect that there may be fraud associated with the Card. The Wallet Provider allows you to make purchases using an added Card wherever the Wallet is accepted. In certain cases, the Wallet may not be accepted outside the United States or at all places where your Card is accepted.
Applicable Fees
We do not charge you any fees for adding a Card to the Wallet. Please consult your Account Agreements for any applicable fees or other charges associated with your Card. In addition, the Wallet Provider or other third parties, such as wireless companies or data service providers, may charge you service fees in connection with your use of your Device or Wallet.
First Financial Northwest Bank is Not Responsible for the use or Function of the Wallet
First Financial Northwest Bank is not the provider of the mobile wallet applications and is not responsible for its use and function except as it relates to the Card. If you have any questions or issues with a third party product or service, including issues pertaining to the operation of your Device, please contact the appropriate third party in accordance with that third party’s procedures for customer support and assistance. We are not responsible for any failure of the Wallet or a Wallet Provider, or your inability to use the Wallet for any transactions. We are also not responsible for any loss, injury, or inconvenience you suffer as a result of a merchant refusing to accept the Wallet. First Financial is responsible for validation of new tokens, as well as suspending, or deleting cards and tokens in the card system.
Your Responsibilities to Keep Your Card Secure and Notify Us of Errors or Fraud
You agree to protect and keep your User ID, personal identification number (PIN), passwords, and all other information required for you to make purchases with your Card using the Wallet confidential. If you share these credentials with others, you are authorizing them to access the Wallet and make purchases with your Card or obtain your personal information. You agree to notify First Financial Northwest Bank immediately if your Device is lost, stolen, or replaced so that we may delete your Wallet enrollment.
Error Resolution
Your Account Agreements require you to contact us promptly if you believe there are errors or if you suspect fraud with your Card. We will resolve any potential error or fraudulent purchase in accordance with the Account Agreements. We will not be liable for any losses you incur except as specifically described in the Account Agreements or as otherwise provided by law.
Security of Mobile Pay
The Wallet Provider is responsible for the security of information provided to it or stored in the Wallet. We are not responsible if there is a security breach affecting any information stored in the Wallet or sent from a Wallet Provider. You agree not to deactivate any of the security features on your Device or bypass procedures to safeguard your Card.
We Can Suspend or Cancel Your Use of a Card
We can suspend your ability to use a Card to make purchases using the Wallet or cancel your Card. We may take these actions at any time and for any reason, such as if we suspect fraud with your Card, if you have an overdrawn or negative balance on your Card account, if applicable laws change, or if directed to do so by the Wallet Provider or the applicable card network (such as Visa®). You may remove a Card from the Wallet by following the Wallet Provider’s procedures for removal. We reserve the right to discontinue supporting the use of any Card with the Wallet.
Our Commitment to Your Privacy
We are committed to respecting the privacy of your information and we will not share your information in a manner that is inconsistent with our Privacy Policy (http://www.ffnwb.com/policy/). We will treat all personally identifiable financial information we obtain as a result of our use of the Wallet consistent with the terms of our Privacy Policy. We are not responsible for any loss, injury, or other harm you suffer in connection with the Wallet Provider’s use of your information. By provisioning your Card to the Wallet, you are permitting information use and sharing.
We May Change These Terms at Any Time
We may change these Terms at any time, by changing these Terms or your Account Agreements, and we will provide advance notice of these changes if we are required to do so under applicable laws. You agree to any such changes by continuing to keep a Card enrolled in the Wallet. If you do not accept a change to these Terms, you must remove all Cards from all Wallet Providers.
Questions?
If you have any questions, disputes, or complaints about the Wallet, you should contact the Wallet Provider. If you have any questions, disputes, or complaints about your Card, you should contact First Financial Northwest Bank at 1-866-372-1200.
First Financial Northwest Bank is concerned with protecting our customers’ accounts. We acknowledge the prevalence of email and internet-related fraudulent schemes, such as "phishing", ID theft and “Pharming” (placing malware on computer).The FFNWB.com web site should not be accessed from a link provided by a third party. It should only be accessed by typing in the web site name or the URL address, into the web browser, or by using an established "bookmark”, that directs your browser to our site. Any outside links may take you to a site, which appears like First Financial Northwest Bank, however this could lead to a "spoofed" site, which is out to trick customers in to thinking they are responding to a bona fide request, and divulge personal information. First Financial Northwest will never ask for any personal or financial information from you via email.
Click to open the FDIC brochure - A Cybersecurity Guide for Customers of Financial Institutions
ID and Email Fraud brochure:
We will not request your social security number, account number nor P.I.N.s. Please report any such requests to our institution.
First Financial Northwest Bank
Attn: Marketing Department
PO Box 360
Renton, WA 98057
866.372.1200
info at ffnwb dot com
First Financial Northwest Bank is unable to support and maintain account(s) that have residential or mailing addresses or other contact information in European countries due to the far-reaching regulatory impact imposed by GDPR.
