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. If you have any questions, call 888-804-4734 or use this form, and a banker will reach out to you.
Essential Free
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 coverage
$0 per month
Apply Now
Enhanced
Checking
Best value checking for everyday life
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 1 box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Free e-statements4
- Up to $300 in overdraft coverage
$9 per month
Apply Now
elite
Checking
Premium checking with interest8
- $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 fees5: Keep a $5,000 daily balance or a $25,000 loan and deposit balance.
- Contact for Rates & APY
$13 per month
Apply Now
EMPLOYEE ADVANTAGE
Checking
Earn $25 after opening9
- For employees of businesses that bank with First Federal Bank7
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 1 box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Free e-statements4
- Up to $300 in overdraft coverage
- Payroll direct deposit required7 to waive the service charge
$0 per month
Apply Now
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 coverage
- Maintain a $1,000 daily balance, save $4/month
- Paper Statement Included;
receive an e-statement and
save $2/month
$6 per month
Apply Now
Community Heroes
Checking
-
Best value checking for our service men and women6
- $50 minimum deposit to open account
- 1 personalized Visa debit card
- 1 box of standard checks free per year
- 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
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 Free 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 Free 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) 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.
6) 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.
7) 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.
8) 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
7) 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.
8) 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
9) $25 Checking Bonus limited to new customers only. One (1) offer (up to $25) per household per account; cannot be combined with any other offer. Offer is limited to accounts opened by by 12/31/2024. Offer may be discontinued or changed at any time. Bonus will be credited to the new account no later than 180 days from the open date. Account holder will be notified by email when the $25 bonus is deposited. You are responsible for any federal, state, or local taxes due on the bonus. We will report the bonus as income to the tax authority as required by applicable law. Consult your tax advisor.
