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Checking Accounts
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Checking Accounts

We have a checking account to fit almost any need, whether you’re opening your first account or looking for one that offers tiered interest rates. We also feature a checking account that pays you whenever you use your debit card to make a purchase.

All of our checking accounts feature unlimited check writing, a free ATM/debit card, free use of First Federal Savings Bank’s ATMs, free online banking and online bill pay, imaged check return, free introductory pack of checks, free use of Bank by Phone*, and overdraft protection.

Free Checking

 A non-interest bearing account with built-in features for convenient banking.

  • $150 minimum opening deposit
  • Personal accounts only
  • No monthly maintenance fee
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 monthly email statements.
  • Up to $25 per month for fees from ATMs anywhere in the USA will be reimbursed to your account on the statement date.
  • Monthly email statements are required
  • Direct deposit or automatic payment withdrawals are required
  • You must sign up for online banking
  • Personal accounts only. One account per person.
  • Account requirements must be met each month to be eligible for the 20 cent debit card credits.
  • The 20 cent credits for debit card purchases paid to a Go Green Checking Account will be accrued and reported at year-end to the IRS as interest.
  • Interest on the account is paid from the first dollar on daily available balances and credited and compounded monthly. An account representative can provide current interest rates and an account disclosure explaining interest calculation.
Regular Checking

 Maintain smaller balances and still earn interest.

  • $150 minimum opening deposit
  • Overdraft protection from line of credit and/or transfer of funds. You must apply for the service; subject to credit approval.
  • A $5.00 maintenance fee will be imposed monthly if the balance falls below $200.00 on any day during the month.
  • Interest on the account is paid from the first dollar on daily available balances and credited and compounded monthly. An account representative can provide current interest rates and an account disclosure explaining interest calculation.
Homeowner Checking

 If your primary mortgage loan is with us, this account offers money-saving products and services.

  • $150 minimum opening deposit
  • Free investment consultation
  • Free notary service
  • Home equity line of credit up to 90% of home value. You must apply for the service; subject to credit approval.
  • Overdraft protection from line of credit and/or transfer of funds. You must apply for the service; subject to credit approval.
  • The $5.00 monthly maintenance 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 - $2,499.99
    $2,500.00 - $4,999.99
    $5,000.00 - $9,999.99
    $10,000.00 +

An account representative can provide current interest rates and an account disclosure explaining interest calculation.

Premier Checking

This account has many benefits, plus higher interest paid on higher deposit balances.

  • $150 minimum opening deposit
  • Free investment consultation
  • Free notary service
  • Home equity line of credit up to 90% of home value. You must apply for the service; subject to credit approval.
  • Overdraft protection from line of credit and/or transfer of funds. You must apply for the service; subject to credit approval.
  • The $5.00 monthly maintenance fee is waived if your combined balance in your deposit accounts with First Federal Savings Bank is $5,000.00 or more.
  • Interest is paid, credited and compounded monthly on the following available balance tiers:
    $0.01 - $2,499.99
    $2,500.00 - $4,999.99
    $5,000.00 - $9,999.99
    $10,000.00 - $24,999.99
    $25,000.00 - $49,999.99
    $50,000.00 +

An account representative can provide current interest rates and an account disclosure explaining interest calculation.

*Federal regulation restricts the account holder’s ability to make no more than six pre-authorized, automatic, online, or telephonic transfers per month from a savings or money market account. The regulation does not limit the number of withdrawals made in person over-the-counter, through the mail, or through an ATM terminal. Deposit or other activity is not restricted.