Personal 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. All accounts include Bounce Protection and Overdraft Services. View the current Rate Sheet (PDF). View the Terms and Conditions/Disclosures (PDF). Offer good on personal accounts only; business and corporate accounts do not qualify for these plans.

	No Minimum Balance	Free Checks*	Free VISA® Debit Card	Free Online Banking and Bill Payment	Free eStatements	No Maintenance Fee	Earns Interest	Free Check Images	Additional Information
Performance Checking A free account that is perfect for most people.
Performance 50 Free account for customers 50 and over.									Free money orders, travelers checks, and cashier’s checks.
Performance Premium Earn interest on account balance.									$8 monthly maintenance fee if balance falls below $1,500. Competitive interest rate if balance falls below $1,500.
Advantage** Get green by going green! This account pays our highest interest rate when three requirements are met each cycle.									**
eAdvantage Sign up for eStatements and earn higher interest.									After 60 days account will convert to Performance Checking if eStatement requirement is not met.
Platinum Money Market Interest tiered based on balance.									$10 monthly maintenance fee if balance falls below $1,000. Limit six (6) transfers per calendar month.

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.

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Required opening deposit on checking accounts is $100; except Platinum Money Market, which is $1,000.

*Free checks are limited to basic sky blue wallet size single checks. Shipping and handling may apply.


**Additional Information on the Advantage Account:

Each cycle, have at least 12 VISA® Debit Card transactions post and clear; have at least one direct deposit or automatic bill payment; and receive eStatements to earn our highest interest rate. Additional benefits include ATM fee refunds nationwide and free Fraud Resolution Services.

Earn the highest interest rate for balances up to $50,000. Earn competitive rate on balances over $50,000 and in cycles the minimum requirements are not met. Rates subject to change. Fees may reduce earnings. See Current Rates (PDF).

Monthly qualification cycle (“cycle”) is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Please note that debit card purchases at retail establishments typically do not post and clear the same day as the transaction.

All ATM fees, including those charged by the bank that owns the ATM, up to $25 per month, will be refunded only if all qualifiers are met in the cycle the fee(s) posts and clears the account.

Free Fraud Resolution Services is provided in conjunction with Identity Fraud, Inc. (IFI); download FAQs and brochure from IFI.

First Federal reserves the right to modify balance tiers, and/or discontinue ATM fee refunds and Fraud Resolution Services at any time.