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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 |
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 |
|
50 Plus Checking |
$5.00, waived with minimum
balance |
50+ years old, and meet minimum
balance requirement |
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 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).
|
|
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).
|
|
50 Plus Club
An account designed for customers age 50 or over. Good
fellowship, special trips, programs, and luncheons are yours as
a part of this club.
|
- Must be 50 years or older to qualify for this
account.
- $100.00 minimum opening deposit.
- $5.00 monthly service fee. Fee waived with
$1,500.00 in a checking or savings, or $2,500 in a money
market account, or $10,000 in certificates of deposit.
- Interest bearing account.
See Rates.
- FREE First Federal checks, or a $5.00 discount on
other designs.
- First year 3x5 safe deposit box or equivalent
credit on a larger box, subject to availability.
- Personal money orders, cashier checks, and
traveler’s checks issued free of charge.
- 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.
- 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.
- Personal money orders, cashier checks, and traveler’s
checks issued free of charge.
- 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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[1] Combined balances are totals of all deposit accounts and
outstanding loan/line balance at First Federal.
[2] Bonus rate cannot be combined with other bonuses or specials.
[3] Interest rate discount cannot be combined with other discounts or
specials.
[4] Closing cost discount offer may vary. See banker for details.
Refinance of existing First Federal home equity loans/lines excluded.
Loans are subject to qualification.
[5] Closing 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.
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