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Try First Line. Use our 24 hour phone banking system to complete your account transactions anytime, anywhere!

Looking for an easy-to-use alternative for completing your First Financial Credit Union account transactions? Need information immediately with no waiting? First Line is always available for you! It’s our automated telephone banking system that empowers you to attend to your account needs whenever it’s most convenient for you.

Using First Line, you can:

  • Check your account balances and transaction history 24/7
  • Transfer funds from within your First Financial accounts (Checking to Savings for example) or from your account to another First Financial member’s account
  • Make a payment to an FFCU loan (You can schedule the payment immediately or schedule a payment for a future date)
  • Check interest rates.

How to use First Line:

Important Note: You will need to have your Member Number and Access Code (usually set to the last 4 digits of your social security number) for your first login.

  • Call our Member Resource Center at (800) 342-8298 and select option 1 or call First Line directly by dialing (800) 344-8115 at any time of day or night, including weekends and holidays
  • Select English or Spanish language preference
  • Enter your FFCU Member Number and Access Code
    • The first time you call, your Access Code will be the last 4 digits of your Social Security Number. You can then change your Access Code.
  • Choose the type of transaction you want to complete.

Download a pdf of First Line instructions and phone numbers here.

Never wait on Hold again by using First Line! It saves you time and it’s completely secure!

First Line Telephone Numbers


First Line Number

Albuquerque/Rio Rancho










Silver City




Toll Free (Lower 48 States)


The system will then give you the following options. Just listen to the instructions and use the buttons on your phone to respond.

  • Press 1 for Account Info
    • Press 1 for Account Balance
    • Press 2 for Account History
  • Press 2 to Transfer Funds/Make Payment
    • Press 1 to Transfer Funds Immediately
    • Press 2 to Make Immediate Payment
    • Press 3 to Schedule a Payment
  • Press 3 for Interest Rates
    • Select Rate Type Using # Key
  • Press 4 to Change Access Code

Important Notes about First Line

The first time you call First Line, your PIN/security code will be set to the last four digits of your social security number. During your initial call, the system will require you to change this code. You may change your code to any 4 to 8-digit combination.

Balances quoted do not include items that have not yet cleared.

Should you need to enter a dollar amount, no decimal points are needed. However, you do need to enter both dollars and cents. For example, enter $250.00 as “25000.” 

Cross account transfers are limited to those accounts which you have designated on your First Line application. 

If you are making a loan payment, you will use the transfer feature to do so. Once you are in the transfer section, you have two ways to make your payment. If you are making a full loan payment (i.e. the payment amount due on your next payment date), select the “Make a loan payment” option. The system will deduct the next payment from the account you select, and you won’t need to enter an amount into the system. If you are making a payment that is different from the amount next due (for example, a partial payment), then select the “Transfer” option. You can indicate the amount you want to transfer to your loan account.

Download a First Line options card to keep with you.

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