Checking Accounts
First Federal Savings Bank offers a wide range of checking products, from free/no interest checking to a tiered market rate structured checking account. For your convenience, all accounts can be accessed in person, using our bank-by-phone system, by atm, and now by online banking.
Be sure to check out our debit "check" card!
Free Checking
A non-interest bearing account with built in features that make banking more convenient.
- Low $150 minimum deposit to open account
- No monthly maintenance fee
- Unlimited check writing
- Free unlimited use of First Federal Savings Bank ATMs
- Free online banking
- Imaged check return
- Free order of 50 checks
- Free unlimited use of bank-by-phone
- Overdraft protection from transfer of funds
Regular Checking
Even if you maintain smaller balances but still want to earn interest, this account is for you.
- $150 minimum deposit to open account
- Unlimited check writing
- Free unlimited use of First Federal Savings Bank ATMs
- Free online banking
- Imaged check return
- Free order of 50 checks
- Free unlimited use of bank-by-phone
- Overdraft protection from line of credit* and/or transfer of funds
- $5.00 monthly maintenance fee
- A maintenance fee of $5 will be imposed monthly if the balance falls below $200 on any day during the month
- Interest paid from first dollar on daily available balance; credited and compounded monthly
Go Green Checking
Earn 20 cents each time you use your debit card to make a purchase.
- $150 minimum opening deposit.
- The 20-cent credits for debit card purchases will appear on the monthly email statements.
- Free ATM usage anywhere in the United States. Up to $25 per month for fees from ATMs other than First Federal's will be reimbursed to the account on the statement date.
- Free online banking and bill pay
- Overdraft protection
- Monthly email statements are required
- Direct Deposit or automatic payment withdrawals are required
- Personal accounts only. One account per person.
- Interest on the account is paid from the first dollar on daily available balances and credited and compounded monthly.
Homeowner Checking
Is your primary mortgage loan with us? Check out this account for the money-saving products and services.
- $150 minimum deposit to open account
- Unlimited check writing
- Free unlimited use at First Federal Savings Bank ATMs
- Imaged check return
- Free order of 50 checks
- Free online banking
- Free unlimited use of bank-by-phone
- Free investment consultation
- Free notary service
- Home equity line of credit up to 90% of home value*
- Overdraft protection from line of credit* and/or transfer of funds
- $5.00 monthly maintenance fee
- This fee is waived if your primary mortgage loan is with First Federal Savings Bank
- Interest is paid, credited and compounded monthly on the following available balance tiers:
- $0.01 - $2,499
- $2,500 - $4,999
- $5,000 - $9,999
- $10,000 +
Premier Checking
The more you deposit the higher the interest rate. With this account you can maintain access to your funds, earn market rates on the entire account balance, and not pay a monthly fee if your combined balance in your deposit accounts with First Federal Savings Bank is $5,000 or more.
- $150 minimum deposit to open account
- Unlimited check writing
- Free unlimited use of First Federal Savings Bank ATMs
- Free online banking
- Imaged check return
- Free order of 50 checks
- Free unlimited use of bank-by-phone
- Free investment consultation
- Free notary service
- Home equity line of credit up to 90% of home value*
- Overdraft protection from line of credit* and/or transfer of funds
- $5.00 monthly maintenance fee
- The fee is waived if your combined balance in your deposit accounts with First Federal Savings Bank is $5,000 or more
- Interest is paid, credited, and compounded on the following available balance tiers:
- $0.01 - $2,499
- $2,500 - $4,999
- $5,000 - $9,999
- $10,000 - $24,999
- $25,000 - $49,999
- $50,000+
Please check "rate watch" on our home page for the current interest rates or call any of our branch offices for more detailed information.
* Must apply for service; subject to credit approval
