Personal Checking Accounts

With online account opening, it’s easier than ever to get started with a First Federal account that comes with a first-class suite of features and available services.


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 FREE!


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.


50 Plus Checking 2, 4

Along with all of the features that come with our FREE Checking, you will receive extra FREE services ­— like free cashier’s checks and money orders — so you can choose to bank the way you want.


Regular Interest Checking 3

You can put your money to work for you with our Regular Interest Checking account. With all the features of our FREE Checking account, along 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.


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Free 1


50 Plus


Student


Regular Interest


FREE Debit Card


Yes


Yes


Yes


Yes


Unlimited Check Writing


Yes


Yes


Yes


Yes


Minimum Opening Deposit


$100


$100


$50


$100


Interest


No


No


Yes


Yes


Minimum Balance


No


No


No


$100


Monthly Service Charge


No


No


No


No 3


FREE Checks


No


Yes 2


First Box


No


VISA TM Debit Card

Your First Federal VISA TM Debit Card is accepted for payment worldwide. Use it in a signature-based transaction and you’ll also earn ScoreCard Rewards points that you can redeem for merchandise, discounts, and travel. You can get your VISA  TM  debit card issued instantly at any Fist Federal location.

Scorecard Rewards

Just use your First Federal VISA TM Debit or Credit Card and receive points on your signature-based transactions. These points can be redeemed for FREE merchandise, travel credits, and the points have NO restrictions, NO maximums, and NO expiration.

If you already have a First Federal VISA TM Debit or Credit Card, you're already earning points! Check out ScoreCardRewards.com to find out which rewards are waiting for you!


Other FREE Services

  • Free Online Banking
  • Free Online E-Statements
  • Free Bill Pay
  • Free Mobile Banking
  • Free TellerPhone
  • Access to surcharge-free ATMs
  • Apple PayTM
  • Free Identity Theft Recovery Program


Switch to First Federal

We make it as easy as possible to switch to First Federal. We have tons of great information available to help with moving your automatic payments and direct deposits to your new account. Visit your local branch or contact us online for more information.


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.

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A small gift with a red bow. Are you getting the rewards you deserve? If you have a First Federal Visa Debit or Credit card, you’re already earning points towards merchandise, discounts, and even travel.

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