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Personal Banking

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. View Current Rates.Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. $50 opening deposit required. Ask for details.

All Accounts Include:



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Advantage Checking*

Get green by going green! Account pays our highest interest rate* when you use these three features:
  • Receive your monthly statement electronically to eliminate paper statements.
  • Use your VISA® Debit Card for purchases a minimum of 12 times each month.
  • Have at least one direct deposit or automatic bill payment each month.
Additional benefits include:

*See Current Rates for Advantage Rates. Earn the highest interest rate for balances up to $50,000. Earn competitive rate on balances over $50,000 and in months that all qualifiers are not met. Rates subject to change. Fees may reduce earnings.

**All ATM fees, including those charged by the bank that owns the ATM, up to $25 per month, will be refunded in the months that all qualifiers are met.

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

Current Rates | Terms and Conditions/Disclosures



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eAdvantage Checking ***

Sign up for eStatements and earn higher interest!
  • No minimum balance.
  • No maximum balance.
  • No monthly fee.
***After 60 days account will convert to VIP Free Interest Checking if eStatement requirement is not met.

Current Rates | Terms and Conditions/Disclosures



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Totally Free Checking

A free account for everyone.
  • No minimum balance.
  • No monthly fee.

Terms and Conditions/Disclosures



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VIP Free Interest Checking

Free checking with the convenience of direct deposit or any automatic payment.
  • Competitive interest.
  • No minimum balance.
  • No monthly fee.
  • Direct deposit or automatic bill payment required.

Current Rates | Terms and Conditions/Disclosures



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50+ Free Interest Checking

Free for customers 50 and over.
  • Competitive interest.
  • No minimum balance.
  • No monthly fee.
  • Free money orders, travelers checks, and cashier’s checks.

Current Rates | Terms and Conditions/Disclosures



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Premium Checking

An account for those who want higher interest.
  • Higher interest rates on balances of $1,500 or more.
  • Competitive interest rate if balance falls below $1,500.
  • $8 monthly charge if balance falls below $1,500.

Current Rates | Terms and Conditions/Disclosures



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Platinum Money Market Account

  • $1,000 opening deposit required.
  • Interest-bearing checking account.
  • Interest tiered based on the balance.
  • Monthly service charge if minimum balance falls below $1,000.
  • Limit of six (6) transfers per calendar month.

Current Rates | Terms and Conditions/Disclosures



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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.