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.
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
info at ffnwb dot com
Privacy and User Information You acknowledge that in connection with your use of Mobile Banking, First Financial Northwest Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). First Financial Northwest Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. First Financial Northwest Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.
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.
First Financial Northwest Bank
Attn: Marketing Department
PO Box 360
Renton, WA 98057
info at ffnwb dot com
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.
First Financial Northwest Bank takes your privacy and safety seriously and strives to protect and secure our customers’ digital access to their accounts from what every devices they use. Besides our Digital Account Security we want our Mobile banking customers to be informed and cautious when using their digital devices to access their FFNWB accounts. Here is a list of six mobile banking security tips to help keep you secure when banking from your phone.
Only use official apps
There are many banking apps on the market and some manage your accounts others might pose as a legitimate bank. For that reason, it is important to ensure you download the official FFNWB app. Click here to access our mobile apps.
Avoid using banking apps on public Wi-Fi
The majority of public Wi-Fi’s are not secure. The information you access over public Wi-Fi can easily be stolen or intercepted. It is advisable to avoid Public Wi-Fi’s whenever you wish to use your app for any kind of banking activity; otherwise, it is best to wait until you get home to handle your finances.
Accessing content via Bluetooth is easy but be aware
Whether in your car, linking at home from your mobile phone to speakers or your voice assistant, Bluetooth is still in use daily to connect to our digital tools. We rely on Bluetooth daily as we do with Wi-Fi. We should be careful in connecting to Bluetooth, especially with digital tools we don’t owned.
Bluejacking and Bluesnarfing are two known issues, which have been around for many years. They can add spam to your contact list in your phone, have small messages appear on your phone as well as allowing hackers to acquire information from your phone without your knowledge. Though most mobile phones currently don’t have these issues as they did about 12 years ago, it is still important we keep an eye on what we connect to and how we use all linking connections.
Make Sure to Manually Log Out of all Sessions
When you have finished using your FFNWB app, make sure that you have logged out of the app manually. Though banking apps automatically log you out after a fixed period of inactivity, it is always best to do it yourself.
Password lock your phone
Should you ever lose your phone and someone gets their hands on it, a strong password lock can be the difference between having someone access your personal files including you bank accounts someone simply giving up on trying to access it. Use PIN, password and/or fingerprint or facial recognition to unlock you mobile phone. Don’t store PIN or passwords on your phone.
Watch for fraudulent emails and Text messages
To protect yourself and your accounts, never provide passwords, credit or debit card information, Social Security numbers and other similar personal information in answering any unsolicited text message, email or with socila media. The fake communications typically appear to be from a government agency or a legitimate business seeking to trick you into divulging valuable personal information. If you believe you have received a fraudulent communication, call us at 866-372-1200. First Financial Northwest will never ask for any personal or financial information from you via email.
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
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.
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.
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 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.
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 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.