Personal Checking
Personal Checking Options
| Account Name |
Monthly Maintenance Fee |
Minimum
Balance |
Interest
Bearing |
Free Checks |
Additional
Features |
Free and Easy
Checking |
None |
None |
No |
No |
Learn More |
NOW
Checking |
$7.50, waived with minimum balance |
$500.00 |
Yes
See Rates |
No |
Learn More |
Elite
Checking |
$10.00, waived with minimum balance |
$5,000.00 combined deposit balances |
Yes
See Rates |
Yes |
Learn More |
Elite 50
Checking |
None |
None, must be 50+ years old |
Yes
See Rates |
Yes |
Learn More |
Reward
Checking |
$20.00, waived with minimum balance |
$25,000.00 combined deposit and loan balances |
Yes
See Rates |
Yes |
Learn More |
| All First Federal checking accounts
include:
|
Free and Easy Checking
A simple and convenient way to manage your money. |
- $100.00 minimum opening deposit.
- No monthly service fee and no minimum balance required.
- Non-interest bearing account.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to
qualification).
- FREE ATM transactions at First Federal and many Instant
Cash locations.
- FREE Online Banking.
- Optional Online Bill Pay (fees may apply).
- Optional Overdraft Protection (subject to
qualification).
|
Now Checking
An interest bearing account designed for customers who maintain
higher balances. |
- $100.00 minimum opening deposit.
- $7.50 monthly service fee. Fee waived with $500.00
minimum daily ledger balance.
- Interest bearing account. See Rates.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to
qualification).
- FREE ATM transactions at First Federal and many Instant
Cash locations.
- FREE Online Banking.
- Optional Online Bill Pay (fees may apply).
- Optional Overdraft Protection (subject to
qualification).
|
Elite Checking
An interest bearing account with complimentary checks. |
- $100.00 minimum opening deposit.
- $10.00 monthly service fee. Fee waived with $5,000.00 combined
daily ledger balances in checking, savings, and certificates of
deposit.
- Interest bearing account. See Rates.
- FREE First Federal checks, or a $5.00 discount on other designs.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at First Federal and many Instant Cash
locations.
- FREE Online Banking.
- Optional Online Bill Pay (fees may apply).
- Optional Overdraft Protection (subject to qualification).
|
Elite 50 Checking
An account designed for customers age 50 or older. |
- Must be 50 years or older to qualify for this account.
- $100.00 minimum opening deposit.
- No monthly service fee and no minimum balance required.
- Interest bearing account. See Rates.
- FREE First Federal checks, or a $5.00 discount on other designs.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at First Federal and many Instant Cash
locations.
- FREE Online Banking.
- Optional Online Bill Pay (fees may apply).
- Optional Overdraft Protection (subject to qualification).
|
Reward Checking
Our premier checking account gives you additional benefits and
discounts based on your overall deposit and loan account
relationship with us. |
- $100.00 minimum opening deposit.
- $20.00 monthly service fee. Fee waived with a $25,000.00
combined ledger balance in checking, savings, certificate accounts
and/or outstanding balances on personal loans and lines of credit.1
- Interest bearing account. See Rates.
- FREE First Federal checks or $5.00 discount on other designs.
- FREE cashier’s checks, personal money orders, and traveler’s
checks.
- Qualify for Reward Money Market, which includes bonus interest
rates.
- Bonus rates on Consumer Certificate of Deposit accounts.2
- Interest rate discount on personal and home equity loans/lines.3
- Discount on closing costs on new home equity loans/lines.4
- Discount on closing costs for a first mortgage primary residence
loan.5
- Discount on safe deposit box fee. Free small box or $10.00
discount, subject to availability.
- Unlimited check writing privileges.
- FREE check safekeeping.
- FREE Instant Cash and Check Card (subject to qualification).
- FREE ATM transactions at First Federal and many Instant Cash
locations.
- FREE Online Banking.
- FREE Online Bill Pay.
- Optional Overdraft Protection (subject to qualification).
|
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1Combined balances are dollar totals of all accounts of all members
of a household. The term “household” refers to all persons occupying an
individual housing unit, whether a single person or two or more
unrelated persons.
2Bonus rate cannot be combined with other bonuses or specials.
3Interest rate discount cannot be combined with other discounts or
specials.
4Closing cost discount offer may vary. See banker for details. Refinance
of existing First Federal home equity loans/lines excluded. Loans are
subject to qualification.
5Closing cost discount offer may vary. See banker for details. Reward
discount on closing cost for a first mortgage loan cannot be used in
combination with other discounts. Loans are subject to qualification. |
