Here to Help

While we can’t predict the long term impacts of COVID-19, we can say with certainty that we will continue to be your stable & trusted bank.

As COVID-19 continues to impact our community, we’re here to support you. Our focus continues to be your safety and the security of our employees, their families and our community. Here you will find more information about what to do if you need financial assistance, updates about our branches and other options to make banking with us easy.

Latest Updates:

A new round of economic impact payments for eligible recipients will begin to post to customer accounts in waves starting Wednesday, March 17. Check your payment status at

Our branch lobbies are open our normal business hours. We are continuing to use plexi guards at all teller counters, sanitize our buildings throughout the day, and require that all employees and customers wear face coverings. Scroll down to Banking During COVID-19 for more details on lobby procedures. 

The COVID-19 relief bill was passed by Congress and signed by the President on 12/27/2020, includes another round of stimulus funding to support individuals and businesses affected by the ongoing pandemic. Key elements of the bill include: 

  • A new round of $600-per-person economic impact payments for eligible recipients will begin to post to customer accounts in waves starting January 4, 2021, check your payment status at 
  • An extension of enhanced unemployment insurance
  • $284 billion in new funds for the Paycheck Protection Program, including a second draw option for prior PPP borrowers
  • A simplified PPP forgiveness process allowing PPP loans of $150,000 or less to be forgiven after the borrower completes a one-page attestation
  • Repeal of a CARES Act provision that required PPP borrowers to deduct the amount of their EIDL advance from their PPP forgiveness amount

Business Banking Resources

The SBA’s Paycheck Protection Program (PPP) is for businesses that continue to endure financial hardships due to COVID-19. Like previous PPP loan programs, this round includes loan forgiveness for certain situations. This round of funding is available to borrowers who received an earlier PPP loan when certain criteria is met. The newest loans are also available to first time applicants within certain guidelines.

Click here for detailed information on how to apply starting Tuesday January 19, 2021, our document checklist and more

Let our experts help you understand the SBA PPP.  We’ll advise and guide you so that you can make the most of this opportunity to reduce the negative financial impact COVID-19 has had on your business. 


If you are experiencing financial hardship or need assistance with your mortgage, home equity or business loan, please contact us today to learn how we can help. We’ve been serving our local community for over 85 years, and we remain committed to helping our customers and neighbors, especially during these difficult times.

Banking during COVID-19

Online Appointment Scheduling 

Scheduling an appointment - made easier. In 3 simple steps, you'll be on your way to a better banking experience. 
  1. Find your nearest branch and select the time and date best for you
  2. Tell us about yourself and the type of appointment needed
  3. Confirm your appointment

Branch Banking

To prioritize your health and safety, we’re using plexi guards at teller counters, sanitizing our buildings throughout the day, and requiring that all employees and customers wear face coverings. Please note:
  • We respectfully require you to wear a face covering when entering the branch
  • Practice social distancing of six feet or greater. When entering a branch, please wait at the next available floor marker. If all floor markers are occupied, remain outside the branch until one becomes available or use the drive-thru.
  • Stay at home if you are ill for any reason.

You can always access our flexible and easy-to-use banking services virtually — anywhere, anytime, including:

Online and Mobile Banking

Banking is easy through online banking and bill pay option or our FFL Mobile banking app (iPhone or Android) to:
  • Check balances
  • Pay bills
  • Deposit checks
  • Transfer funds

New to online or mobile banking?  Watch our online banking account demo, or take a tour of our banking app and get started. 

Avoid COVID-19 related scams

It’s important you be aware fraudsters are ramping up efforts to scam people out of their economic stimulus payments, unemployment checks or personal information.

The Internal Revenue Service (IRS) is advising taxpayers to be wary of phone calls, emails, text messages and social media posts about payments, especially those who ask for money or sensitive information in order to receive funds.

We remain dedicated to information security. We would never call or email you for your social security number, account number or password(s). Never provide this personal information to someone who contacts you by phone or email. If you suspect you’ve been the victim of fraud, we’re here to help. Contact us immediately at (216) 529-2700 or

How to Shop Safely Online

While doing less of your shopping in stores and more online, there are several things that you can do to help protect your account and your personal information, including taking advantage of First Federal of Lakewood debit card features like Apple Pay and FFL Card Shield.

Learn more about shopping safely online

Ensure Your Home Network Is Secure

One of the easiest ways to protect yourself and your financial information when performing transactions online is to stay on a secure private network at home. But you still need to make sure that your home network is secure, encrypted and password protected. 

Learn more about how to secure your home network.

Watch for Mortgage Relief Scams

If you’ve fallen behind on mortgage payments, you may be approached by scammers. It’s important to know who these scammers are and how they work. There are several types, from promising a mortgage modification for a fee to getting you to sign over the deed. But there are ways you can spot them and protect yourself. 

Learn more about mortgage relief scams.

Protect Against Other Scams, Like Imposter, Money Mule Scams

Read more important tips about how to avoid scammers from the Federal Trade Commission, and the IRS. The Financial Crimes Enforcement Network has issued an advisory alerting financial institutions to imposter scams and money mule schemes. Such scams seek to coerce victims to provide personal information or send payment information in order to receive coronavirus-related government benefits. 


Navigating financial difficulty

If you’ve lost employment, hours or other income during COVID-19, there may be relief available, but that may not be enough without sound advice and strategies to help manage your finances. We can help with those as well. Consider the following steps:

Take Proactive Steps in Unemployment

Sudden job loss is extremely difficult — financially and emotionally. But there are still ways you can be active and involved in your situation to empower yourself and secure your finances. 

Learn what important steps you can take immediately.

Prepare for an Uncertain Economy

Even if the pandemic hasn’t impacted your personal finances, take this time to prepare yourself to weather any economic uncertainty. That includes these tips to get your finances in order, like paying down debt, curbing your spending and increasing your saving by whatever amount you can.

Read more about preparing for an uncertain economy.

Take Control of This Setback

The effects of the COVID-19 pandemic may represent a financial setback — whether that’s from job loss or market downturn. Whatever your financial plan or goals were heading into 2020, you can put together a new plan, and we can help.

Read more about how you can turn any setback into a step forward.

Look at Your Household Cash Flow

Your cash flow is the difference between what you’re spending and what you’re bringing in. If recent events have affected your monthly income, it’s important to take a fresh look at your household cash flow and current savings to make sure you make any necessary adjustments. 

Try our free cash flow tracker tool.

Revisit Your Budget

Today, a disciplined budget may be more important than ever. And while they may not be the only solution to financial difficulty, simple budget cuts from buying “gently used” to making coffee at home can add up — without having to be painful. 

Read more about 25 simple budget cuts you can make.


COVID-19 hardship and loan repayment assistance

Special programs are in place to help address COVID-19 hardship. To benefit from these programs, contact us.

Personal or Consumer Loans

For mortgage, home equity or other consumer loan hardship assistance, request enrollment in our forbearance plan. A member of our team will follow up with you.

If you have any questions about the forbearance program and to enroll, call (216) 529-2700 between 8am and 6pm Monday-Friday, 9am-1pm Saturday. Call times may be longer due to high call volume.

Business Loans and the Paycheck Protection Program

The CARES Act set up the Paycheck Protection Program (PPP) to help small businesses continue to cover payroll during the pandemic. Our team has processed thousands of applications for funding, and if you’ve already submitted an application with us, we’ll contact you to complete the process. 

For the most up-to-date information on the Payroll Protection Program (PPP) and other SBA relief efforts, explore SBA’s coronavirus relief options.

For assistance with any business loans, please contact your branch or business relationship manager.


Business Banking Resources

If your business is facing financial hardships, we have programs that may be able to help. Plus resources on the SBA PPP program and loan forgiveness.
Learn More >

COVID-19 hardship and loan repayment assistance

Special programs are in place to help address COVID-19 hardship situations related to mortgage and consumer loan repayment.
Learn More>