Help Center

The Credit Score program, offered by First Financial Northwest Operated by Global Credit Union, helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact your score, and can see the most up to date offers that can help reduce your interest costs. With this program, you will always know where you stand with your credit and how First Financial Northwest Operated by Global Credit Union can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an injury has been made. Monitoring helps users keep an eye out for identity theft.

Your loans with us will appear in within Credit Score over the next few weeks.

The Credit Score Report provides all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Also, when you check your credit file, there will be no impact to your score.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical.

No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges:

• Excellent: 781–850
• Good: 661-780
• Fair: 601-660
• Unfavorable: 501-600
• Bad Below: 500

Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Score site. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You will also receive an email with the updated information monthly. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Score site from within online banking.

No, Credit Score is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with First Financial Northwest Operated by Global Credit Union.

No. Checking Credit Score is a “soft inquiry”, which does not affect your credit score.  Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Credit Score uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to any third party.

No. Credit Score is entirely free and no credit card information is required to register.

Credit Score pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

No, First Financial Northwest Operated by Global Credit Union uses its own lending criteria for approving loans.

Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with First Financial Northwest Operated by Global Credit Union.

Based on your Credit Score information, you may receive First Financial Northwest Operated by Global Credit Union offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have.

If you access the Credit Score program through your online banking platform, you have to do nothing! Your email address will get updated automatically in Credit Score when you update it in online banking. However, we always encourage you to inform First Financial Northwest Operated by Global Credit Union of any contact information updates.

• Corporation Accounts Requirement
• Limited Liability Company Account Requirements
• Partnership Account Requirements
• Sole Proprietorship DBA Account Requirements

Contact us about consumer loans and commercial loans using our online forms.

• Account Closure Authorization
• Automatic Withdrawal Authorization Form
• Direct Deposit Authorization Form

The National Credit Union Administration (NCUA) and its National Credit Union Share Insurance Fund (NCUSIF), which insures deposits at federally insured credit unions, were established by Congress in 1970.

Coverage is automatic whenever a deposit account is opened at First Financial Northwest Operated by Global Credit Union. If you want your funds insured by the NCUSIF, simply place your funds in a deposit account at First Financial Northwest Operated by Global Credit Union and make sure that your deposit does not exceed the insurance limit for that ownership category. The standard deposit insurance amount is $250,000 per depositor, per NCUA-insured credit union and per ownership category.

Are Your Deposit Accounts Covered?

NCUA Deposit Insurance covers traditional deposit accounts, and depositors do not need to apply for NCUA insurance.

Deposit Products:

The following examples of deposit products which are insured by the NCUA:

• NCUA insurance provides protection for credit union deposits, including checking accounts, saving accounts, shared deposits, money market accounts, traditional and Roth IRAs, Keough accounts, and irrevocable and revocable trusts

How Much of Your Deposits are Insured?

Every day, people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. We here at First Financial Northwest Operated by Global Credit Union want to make sure our customers are aware of the way scammers could contact you by providing some best practices to deny anyone trying to subject you, and your accounts, to phishing and scamming activities.

#BanksNeverAskThat is an anti-phishing campaign which teaches how to spot online bank scams by learning what your bank will never ask. We are wanting you to be able to spot scam and phishing attempts before the affect you.

Don’t fall for fake message — learn how to spot shady texts, emails, and phone calls by knowing the things First Financial Northwest Operated by Global Credit Union would never ask you! Below, we cover some of the areas which scammers are using. Just read below to become familiar how to spot issues and if you have questions contact us at Call 866-372-1200 or info@ffnwb.com.

Phishing text messages attempt to trick you into sharing personal information like your password, PIN, or social security number to gain access to your bank account. If you don’t respond to these messages and delete them instead, your information is safe. All you need to do is spot the signs of a scam before you click or reply.

Ever get a text that looks like one of these? Total scam. Just hit delete, and get on with your day.

1. Slow Down. Think before you act. Scammers want you to feel confused and rushed.
2. Never click on a link sent via text message, especially if sent asking you to log into your bank account.
3. Never send Personal information. FFNW Operated by Global Federal Credit Union will not ask for your PIN, Password or one-time login code.
4. Don’t risk replying just delete the text.

Ever get a text that looks like one of these? Total scam. Just hit delete, and get on with your day.

1. Don’t rely on caller ID – Scammers can make any number or name appear on your caller ID. Even if your phone shows it’s your bank calling, it could be anyone. Always be wary of incoming call.
2. Never give sensitive information – Never share sensitive information like your bank password, PIN, or a one-time login code with someone who calls you unexpectedly —even if they say they’re from your bank. Banks may need to verify personal information if you call them, but never the other way around.
3. Watch out for a false sense of urgency – Scammers count on getting you to act before you think, usually by including a threat. Banks never will. A scammer might say “act now or your account will be closed,” or even “we’ve detected suspicious activity on your account” — don’t give in to the pressure.
4. Hang up — even if it sounds legit – Whether it’s a scammer impersonating your bank or a real call, stay safe by ending unexpected calls and dialing the number on the back of your bank card instead.

Phishing is a type of online scam where criminals make fraudulent emails, phone calls and texts that appear to come from a legitimate credit union. Every year, people lose hundreds, even thousands, of dollars to these scams. The communication is designed to trick you into entering confidential information (like account numbers, passwords, PINs or birthdays) into a fake website by clicking on a link, or to tell it to someone imitating your bank on the phone.

If you suspect that an email or text you receive is a phishing attempt:

• Take a deep breath. In most cases, it’s perfectly safe to open a scam email or text. Modern mail apps, like Gmail, detect and block any code or malware from running when you open an email. The key is not to click links or download any attachments.
• Do not download any attachments in the message. Attachments may contain malware such as viruses, worms or spyware.
• Do not click links that appear in the message. Links in phishing messages direct you to fraudulent websites.
• Do not reply to the sender. Ignore any requests from the sender and do not call any phone numbers provided in the message.
• Report it. Help fight scammers by reporting them. Forward suspected phishing emails to the Anti-Phishing Working Group at reportphishing@apwg.org. If you got a phishing text message, forward it to SPAM (7726). Then, report the phishing attack to the FTC at reportfraud.ftc.gov.

If you receive a phone call that seems to be a phishing attempt:

• Hang up or end the call. Be aware that area codes can be misleading. If your Caller ID displays a local area code, this does not guarantee that the caller is local.
• Do not respond to the caller’s requests. Financial institutions and legitimate companies will never call you to request your personal information. Never give personal information to the incoming caller.
• If you feel you’ve been the victim of a scam, and you did provide personal or financial information, contact your bank immediately at their publicly listed customer service number. Often, this is found on the back of your bank card. Be sure to include any relevant details, such as whether the suspicious caller attempted to impersonate your bank and whether you provided any personal or financial information to the suspicious caller.

1. Contact your bank, financial institutions and creditors
   • Speak with the fraud department and explain that someone has stolen your identity.
   • Request to close or freeze any accounts that may have been tampered with or fraudulently established.
   • Make sure to change your online login credentials, passwords and PINs.
2. Secure your email and other communication accounts
   • Many people reuse passwords and your email or cell phone account may be compromised as well.
   • Immediately change your accounts’ passwords and implement multi-factor authentication — a setting that prevents cybercriminals from accessing your accounts, even if they know your password — if you haven’t already done so.
3. Check your credit reports and place a fraud alert on them
   • Get a free copy of your credit report from annualcreditreport.com or call 877.322.8228.
   • Review your credit report to make sure unauthorized accounts have not been opened in your name.
   • Report any fraudulent accounts to the appropriate financial institutions.
   • Place a fraud alert on your credit by contacting one of the three credit bureaus. That company must tell the other two.
     – Experian: 888.397.3742 or experian.com
     – TransUnion: 800.680.7289 or transunion.com
     – Equifax: 888.766.0008 or equifax.com
4. Contact ChexSystems at 888.478.6536 to place a security alert on the compromised checking and savings accounts when a deposit account has been impacted. Or, make your report to ChexSystems online.
5. Contact the Federal Trade Commission to report an ID theft incident: visit identitytheft.gov or call 877.438.4338.
6. File a report with your local law enforcement.
   • Get a copy of the report to submit to your creditors and others that may require proof of the crime.

To make your online banking experience as secure as possible, we use Multi-Factor Authentication (MFA). This added layer of security requires more than one form of verification of a user’s identity. If anything, out of the ordinary is detected, we will verify your identity.

Because:

• 81% of cybersecurity incidents are due to weak passwords
• 62% of Americans use the same password across 3-7 online accounts
• Businesses with MFA in place are 99% less likely to get hacked

Enabling MFA ensures that the only person who has access to your accounts, email, apps, and more is you. This is true for everything from social media accounts to your banking account and business email. Even if a cybercriminal figures out your login and password, with MFA, they won’t be able to access your data.

If we detect any unusual or uncharacteristic activity, we will ask you to answer your security questions or receive a phone call to make sure that it’s really you. This will most likely be a very rare occurrence.

There is absolutely no cost associated with using MFA.

If you are a new customer to FFNW Operated by Global Federal Credit Union Online Banking, you will see an option to set up MFA during your registration and initial login.

If you are an existing FFNW Operated by Global Federal Credit Union Online Banking user, you can navigate to “My Settings” in online or mobile banking, then scroll to “Security Options” and enable the MFA feature. You will see a success screen on your authenticator app to confirm registration.

Multi-factor authentication is a simple way to add security to your online logins

You will only be prompted to enter additional information when you access your account from a different browser or device or when a transaction appears to be unusual or uncharacteristic of your typical behavior. If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose.

Online Banking is a convenient way to get account information, transfer funds, make payments on loans and more. With Online Banking you have access to your account information 24 hours a day, 7 days a week!

Our Online Banking features encryption security with Multi-Factor Authentication (MFA), allowing you to have secure access to your accounts from any device.

To help ensure proper functionality, access and account security to FFNWB.com and Online Banking, we recommend the following browsers Chrome, Firefox, Safari and Microsoft Edge, when accessing your Online Banking Account. Microsoft has discontinued support of IE 10, IE 11 and original Edge browser as of June 2022. We highly recommend you start to migrate to a new browser to avoid access connection issues.

Any customer with an active checking, savings or loan account with First Financial Northwest Operated by Global Credit Union is eligible for Online Banking. Personal Banking customers can complete an application online and are notified by email when their account is activated. Business Banking customers can contact their banker or visit the nearest banking center for an application.

• Check account balances
• Transfer funds between accounts
• View cleared checks
• Access your Credit Score
• Set up a stop-payment
• Set up text account alerts
• Send money with Zelle to family and friends
• Receive advances from a line of credit
• Pay bills directly
• eStatements

To help maintain security, you should close your browser when you have completed your Online Banking session. This will help prevent unauthorized persons from viewing your private account information. Your session will time out if you do not log off after 20 minutes.

Online Banking is free! Consider it our banking center online.

On the login page, select the Forgot Password link. You will be able to reset you password directly 24/7, after answering verification questions.

Your login is specific to your social security number and you can only view accounts that include that social security number. If you have any questions about an account please contact us at 425-255-4400 during regular banking hours.

Text Banking is an easy, fast and secure way of banking while using the texting capabilities of your mobile phone. With Text Banking, you can find out the balance and transactions of your accounts on the go, just by texting.

You will need to enroll in Text Banking via either Online (desktop) or via the mobile (browser or app). For desktop, go to the Service menu and the User Profile tab to enroll in Text Banking. On mobile, go to the Customer Service menu item. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply.

Yes, you do need to create short nicknames to use with Text Banking. It is a lot easier to request the balance of a specific account with short nicknames and makes the reply shorter.

We do not transfer any account numbers, password or sensitive information. The phone is assumed to be secure with the owner and it is the owner’s responsibility to lock the phone for privacy. The balance and transaction history being returned from your account will remain in your messaging history until deleted.

The commands for Text Banking are: bal, hist, more, nick, help and stop. The details of each command are available in the help content above.

Text Banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates.

*Please contact your mobile wireless carrier for messaging and data rates.

No, the commands are not case sensitive. You can text BAL, Bal, or bal which would all mean the balance command.

You can remove a phone from Text Banking by two methods:

1.  Texting back stop will remove the phone from Text Banking, or
2.  From Online (desktop) or from mobile (browser or app), go to the Text Banking screen from Customer Service. Delete the phone number you wish to remove from Text   Banking.

Note that you will need to enroll the phone number again the next time you want to use that phone for Text Banking.

If you have questions, please contact Customer Service at 866.372.1200.

To help ensure proper functionality, access and account security to Mobile Banking, we recommend the following mobile browsers:

• iPhone® – Chrome 100 Or higher, Safari 10.3 or higher
• Android^™ – Chrome 100 or higher
• Firefox – 100 or higher
• Samsung Internet – 6.2 or higher
• Opera Mobile – 64 or higher

For mobile operating systems, we recommend:

• iPhone – iOS 14.0 or later
• Android – 10.0 and up

You can send, request, or receive money with Zelle^®.

To start using using Zelle^® at First Financial Northwest Operated by Global Credit Union, you must be enrolled in Bill Pay. If you are not enrolled in Bill Pay, you can enroll by logging in to Online banking or mobile banking app. Locate the Bill Pay tab and follow instructions to complete the enrollment steps. Once enrolled, you can access the “Send Money With Zelle®” tab in [Bill Pay] to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.

• To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone
number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most
cases, the money is available to your recipient in minutes if they are already enrolled with Zelle®.

• To request money using Zelle®, choose “Request,” select the individual from whom you’d like to
request money, enter the amount you’d like to request, include an optional note, review and hit
“Request.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use
their email address to request money. If the person has enrolled their U.S. mobile number, then you
can send the request using their mobile number.

• To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask
them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take
any further action. The money will be sent directly into your account, typically within minutes.

• If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
Click on the link provided in the payment notification you received via email or text message. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank
account and will be available typically within minutes.

Keeping your money and information secure is a top priority. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your account safe.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.^*

Since money is sent directly from your account to another person’s bank account within minutes^*, Zelle^® should only be used to send money to friends, family and others you trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zellepay.co. If their bank or credit union is not listed, we recommend you use another payment method at this time.

In order to use Zelle^®, the sender and recipient’s bank or credit union, accounts must be based in the U.S.

No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment”. If you do not see this option available, please contact our customer support team at for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their credit union’s mobile app, the money is sent directly to their account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at to determine what options are available.

We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things
like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

No, does not charge any fees to use Zelle^® in our mobile app.

Your mobile carrier’s messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

Please contact our customer support team at info@ffnwb.com . Qualifying imposter scams may be eligible for reimbursement.

Zelle^® does not offer purchase protection for payments made with Zelle^®. To learn about ’s purchase protection, please view our terms and conditions.

^* To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Data charges may apply. Check with your mobile phone carrier for details. App store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

Copyright © 2025 Fiserv. All rights reserved. Terms and conditions apply. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.