All of our First Federal checking accounts come with online banking with bill pay1, mobile banking with eDeposit1, access to Allpoint ATM network, an instant-issue Visa debit card with a reward program, and text and email alerts2.
Click 'Apply Now' to open an account from home.
Essential
Checking
Easy, simple checking for those starting out in life
- Ages 16-303
- $25 minimum deposit to open account
- 1 standard Visa debit card
- Free e-statements4
- Up to $100 in overdraft coverage5
$0 per month with e-statements
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Enhanced
Checking
Best value checking for everyday life
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 1st box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Free e-statements4
- Up to $300 in overdraft coverage5
$9 per month
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elite
Checking
Premium checking with interest6
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 2 boxes of standard checks free per year
- 2 non-sufficient funds charge waived per year upon request
- Free e-statements4
- Avoid fees9: Keep a $5,000 daily balance or a $25,000 loan and deposit balance.
- Contact for Rates & APY
$13 per month
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EMPLOYEE ADVANTAGE
Checking
- For employees of businesses that bank with First Federal Bank8
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 1st box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Free e-statements4
- Up to $300 in overdraft coverage5
- Payroll direct deposit required8 to waive the service charge
$0 per month with e-statements
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essential seniors
Checking
Easy checking for Seniors
- Ages 55+
- $50 minimum deposit to open account
- 1 standard Visa debit card
- Discounted standard checks
- Up to $300 in overdraft coverage5
- Maintain a $1,000 daily balance, save $4/month
- Paper Statement Included;
receive an e-statement and
save $2/month
$6 per month
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Community Heroes
Checking
Best value checking for our service men and women7
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 1st box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Free e-statements4
- Payroll direct deposit required to waive the service charge
$0 per month with e-statements
Apply Now
Flex card
Keep your budget on track. Learn More
1) Bill Pay and Mobile eDeposit: Online banking required. Must be 18-years-old or have a parent/guardian be on the account with a minor. Mobile eDeposit limit is $2,500 per day.
2) Text Message Alerts: Standard mobile carrier text messaging rates apply.
3) Essential Checking: After customer turns 31, account will be converted to an Enhanced Checking account.
2) Text Message Alerts: Standard mobile carrier text messaging rates apply.
3) Essential Checking: After customer turns 31, account will be converted to an Enhanced Checking account.
4) e-statements sent monthly at no additional charge. To receive a paper statement there is an additional $2.00 fee.
5) Overdraft Coverage is a discretionary service that may allow the bank to pay transactions when your account has insufficient available funds, up to the overdraft limit assigned to your account type. Payment is not guaranteed, and we may decline to pay any transaction at our discretion. A fee may be imposed for covering overdrafts created by check, in-personal withdrawal, ATM withdrawal, or other electronic means. You must opt- in to receive overdraft coverage for ATM withdrawals, and debit card transactions when you don’t have the funds in your account. Standard overdraft fees apply: $37 per item, up to 5 items per business day, per account. The daily overdraft charge of $7 begins the second day of overdraft and charge for up to 20 days. The amount of any overdraft plus our NSF fees, is due immediately. We may suspend or revoke overdraft privileges if your account is not in good standing or you fail to repay promptly. For more details, please refer to our Miscellaneous Fees and the full Overdraft Coverage Options Disclosure.
5) Overdraft Coverage is a discretionary service that may allow the bank to pay transactions when your account has insufficient available funds, up to the overdraft limit assigned to your account type. Payment is not guaranteed, and we may decline to pay any transaction at our discretion. A fee may be imposed for covering overdrafts created by check, in-personal withdrawal, ATM withdrawal, or other electronic means. You must opt- in to receive overdraft coverage for ATM withdrawals, and debit card transactions when you don’t have the funds in your account. Standard overdraft fees apply: $37 per item, up to 5 items per business day, per account. The daily overdraft charge of $7 begins the second day of overdraft and charge for up to 20 days. The amount of any overdraft plus our NSF fees, is due immediately. We may suspend or revoke overdraft privileges if your account is not in good standing or you fail to repay promptly. For more details, please refer to our Miscellaneous Fees and the full Overdraft Coverage Options Disclosure.
6) Must maintain a $5,000 daily deposit balance in this Elite Checking Account or a combined loan and deposit balance greater than $25,000 avoid monthly service charge.
7) For all active Law Enforcement, DOC Officers, First Responders, Educators, Nurses and active or retired Military. If direct deposit is not from a qualifying source, account may be converted to Enhanced Checking.
8) Direct deposit of payroll from a First Federal Bank business customer is required. If payroll direct deposit is not eligible, account will be converted into an Enhanced Checking account.
9) The interest rate and annual percentage yield may change weekly at our discretion. Interest begins to accrue on the business day we receive credit for the deposit of non-cash items. Account will earn no interest for any day the balance falls below $5,000
8) Direct deposit of payroll from a First Federal Bank business customer is required. If payroll direct deposit is not eligible, account will be converted into an Enhanced Checking account.
9) The interest rate and annual percentage yield may change weekly at our discretion. Interest begins to accrue on the business day we receive credit for the deposit of non-cash items. Account will earn no interest for any day the balance falls below $5,000
