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Opening a bank account can feel long, intimidating, and confusing-especially if it's your first time. At First Federal Bank, our goal is to make the process smooth, welcoming, and centered around you. Our Personal Bankers take the time to understand your financial situation before recommending an account, so you can feel confident from day one.

What to Bring When You Open an Account

• When you visit a First Federal branch to open an account, we'll ask you to bring:
• A valid government-issued photo ID
• Your Social Security number
• Proof of address
• An initial deposit to fund your account
  
  

From there, you'll sit down one-on-one with a knowledgeable Personal Banker who will walk you through your options, answer questions, and help set you up for success.
Online banking and debit cards can be set up right away, and the process can be as quick-or as detailed—as you need.

"We're happy to take as much time as needed, but we can also make the process quick and efficient if the customer is short on time," said A' Leece Skaggs, Branch Manager of First Federal's Blue Lakes branch.

Finding the Right Fit
Everyone's financial journey looks different, which is why First Federal offers a wide variety of account options. With nine checking accounts and six savings accounts, there's something for every stage of life.

Our Personal Bankers focus on listening first-learning about your goals, previous banking experiences, and what matters most to you.

"Asking questions and truly listening is essential," Skaggs shared. "I'm confident First Federal has a solution for every customer, so my role is to clearly explain the options and help them choose what works best for them."

What Makes First Federal Different
First Federal is a mutual bank, meaning we're owned by our depositors-not shareholders. That structure allows us to make decisions locally and always with our customers' best interests in mind.

"Opening an account at First Federal is different because we are a local, mutual bank that genuinely cares about our customers and their future success," said Skaggs.
"Decisions are made locally—by people who truly care about the community we serve."

Common Questions We Hear
New customers often ask about fees and interest rates. Our team is always transparent and competitive, making it easy to understand what you're signing up for and the value you're receiving.

Advice For First-Time Account Holders
If you're opening your very first bank account, the best advice is simple: ask questions and start small.
"Don't be afraid to ask questions—we're here to help you succeed financially," Skaggs said. "Start saving, even if it's in small amounts. It adds up over time, and having an emergency fund can make a big difference."

Whether you're opening your first account or looking for a better banking experience, First Federal is here to support you every step of the way-because here, your money matters, and so do you.

Member FDIC | This is for informational purposes only and does not constitute legal, tax, or other financial advice and the consumer should seek the advice of a financial advisor/professional, tax consultant, or legal counsel for their specific needs.