Checking Accounts

First Federal offers a variety of checking accounts - one is perfect for you! Apply online or stop by one of our convenient locations to open an account. View Current Rates. Compare accounts.

All Accounts Include:

• Free checks
• Free Visa® debit card
• Free Online Banking
• Free E-Statements
• Free Online Bill Payment
• Easy-to-balance monthly statements
• Copies of cancelled checks
• Bounce Protection

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Advantage Checking*

Pays the highest interest rate when these three features are used each month:

• Receive monthly E-Statement.
• Use Visa® Debit Card a minimum of 12 times.
• Have at least one direct deposit or one automatic bill payment.

Additional benefits include:

• No monthly fee.
• No minimum balance.
• No per check charge.
• Unlimited check writing.
• ATM fee refunds nationwide.**

*Advantage Rates 4.07% Annual Percentage Yield paid on balances up to $50,000, and 1.01% APY paid on all amounts above $50,000 each cycle the minimum requirements are met. If the requirements are not met per cycle, account will still earn Base Rate 0.10% APY; however, it will not receive ATM fee refunds. Rates as of 5/1/08. Rates subject to change. Fees may reduce earnings. Available to Personal Accounts only.

**ATM fee refunds up to $25 per cycle if requirements are met.

Current Rates | Compare Accounts | Terms and Conditions/Disclosures

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Totally Free Checking

• No minimum balance.
• No monthly service charge.
• No per check charge.
• Unlimited check writing.
• $50 opening deposit required.

Compare Accounts | Terms and Conditions/Disclosures

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VIP Free Interest Checking

• Competitive interest.
• Have at least one direct deposit or one automatic bill payment.
• No minimum balance.
• No monthly service charge.
• No per check charge.
• Unlimited check writing.
• $50 opening deposit required.

Current Rates | Compare Accounts | Terms and Conditions/Disclosures

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50+ Free Interest Checking

• Competitive interest.
• No minimum balance.
• No monthly service charge.
• No per check charge.
• Unlimited check writing.
• Free money orders, traveler's checks, and cashier's checks.
• $50 opening deposit required.

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Premium Checking

• Higher interest rates on balances of $1,500 or more.
• Competitive interest if balance falls below $1,500.
• No per check charge.
• Unlimited check writing.
• $8 monthly charge if minimum balance falls below $1,500.
• $50 opening deposit required.

Current Rates | Compare Accounts | Terms and Conditions/Disclosures

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Platinum Money Market Account

• $1,000 opening deposit required.
• Interest-bearing checking account.
• Interest tiered based on the balance.
• Free Platinum Money Market checks.
• Monthly service charge if minimum balance falls below $1,000.
• Limit of six (6) transfers, drafts, or similar transactions per statement cycle. Three of the six transactions may be checks.

Current Rates | Compare Accounts | Terms and Conditions/Disclosures

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Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.