Personal Checking Accounts

Managing budgets, bills, and keeping on track; banking at home, on the go, or face-to-face, we've got you covered! Our checking solutions give you the flexibility and tools to conveniently manage your money. Whether you’re looking for just the basics or additional perks, we have the account for you. Compare our accounts and choose what’s best for you.

All our checking accounts include:


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Enroll in First Federal Bank's  NEW Round-Up feature and build your savings with each debit card transaction! Learn more about how it works and start building your savings today!

FREE Checking 1

It’s easy to see why our FREE Checking remains our most popular account choice; it’s simple, loaded with great features, and with no monthly service charge.

Open Account


New Rewards Checking5

Get more rewards with First Federal Bank's New Rewards Checking. This account offers an amazing rate with no monthly services charge or minimum balance. Learn more or open an account today!

Open Account


Student Checking

Our Student Checking account is perfect for getting a leg up while in school. It has all the features of our FREE Checking and offers some special features to help you get ahead for the duration of your student status along with the bonus of earning interest on your average daily balance of $700 or more. Must be opened at a First Federal location.


50 Plus Checking 2, 4

Along with all of the features that come with our FREE Checking, you also receive extra complimentary services like two boxes of basic checks per year and free cashier’s checks and money orders. Available to customers 50 years and older.

Open Account


Regular Interest Checking 3

You can put your money to work for you with our Regular Interest Checking account. With the bonus of earning interest on your average daily balance of $700 or more, it’s a great way to be rewarded for the balance you’re already carrying in your checking account.

Open Account


Scroll to the left to view the rest of the table.

Free 1
OPEN ACCOUNT

New Rewards Checking

50 Plus 2, 4

OPEN ACCOUNT

Student


Regular Interest

OPEN ACCOUNT

FREE Debit Card


Yes


Yes

Yes


Yes


Yes


Unlimited Check Writing


Yes


Yes

Yes


Yes


Yes

FREE Checks


No


No

Yes 2


First Box


No


Minimum Opening Deposit


$100


$100

$100


$50


$100


Interest


No


Yes5

No


Yes


Yes


Minimum Balance


No


No

No


No


$100


Monthly Service Charge


No


No

No


No


Yes3

 

Switch to First Federal

It’s easy to switch your checking account to First Federal! With our ClickSWITCH™ service, you can easily move recurring payments and direct deposits to your new or existing First Federal checking account. ClickSWITCH transfers your account information instantly. It’s fully automated and takes as little as 10 minutes. Find out more about ClickSWITCH. 


1 This account is free in the context of there being no monthly service charge. Overdraft protection, returned checks, and other optional services may result in fees and other charges.

2 Limit of two (2) free boxes of basic checks per year.

3 Must maintain $100 minimum daily balance to avoid $8 monthly service charge.

4 Must be 50 or older.

5 4.90% interest rate, 5.01% Annual Percentage Yield (APY), on balances up to and including $20,000.00 and a 0.40% interest rate (0.40% APY) on balances over $20,000.00.

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