We have a variety of checking accounts to fit your needs. Whether you're looking for a higher interest rate, or just want a simply free account to access your money, we have something just right for you.
  Simply Free Checking

A FREE account for everyone!
Double Nickel Interest Checking

A perfect account for customers 55 and over!
Smart Money Checking

Earn CD like interest with all the conveniences of a checking account!
Premier Interest Checking

An account for those interested in higher interest!
Benefits Simply Free Checking - Learn More Double Nickel Checking - Learn More EZ Interest Checking - Learn More Premier Interest Checking - Learn More
Free Thank You Gift1 checkmark checkmark checkmark checkmark
Free Mobile Banking2 checkmark checkmark checkmark checkmark
Free Online Banking & Bill Pay checkmark checkmark checkmark checkmark
Free MasterCard© Debit Card
with Chip Technology
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Free E-Statements or Paper Statements with check images checkmark checkmark checkmark checkmark
Free Incoming Wire Transfers checkmark checkmark checkmark checkmark
No Minimum Balance checkmark checkmark    
No Monthly Service Charge checkmark checkmark    
Competitive Interest
Contact your banker about our current rates
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Higher Interest Rate     checkmark checkmark
Buy back of your unused checks and debit cards from another financial institution, up to $10 checkmark checkmark checkmark checkmark
Use any ATM nationwide & we’ll refund the surcharges checkmark checkmark checkmark checkmark
Free Logo Wallet Checks checkmark
1st order is free
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1st order is free
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1st order is free
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Unlimited
Details Simply Free Double Nickel Smart Money Premier Interest
Minimum Deposit to Open $50 $50 $50 $50
Monthly Service Fee $0

No Monthly Service Fee
$0

No Monthly Service Fee when one signer is age 55 or over
$0 or $25

No Monthly Service Fee when all three requirements are met:
  • Enroll in eStatements
  • Have at least $1,000 in direct deposits each month
  • Use your debit card for purchases 5 times a month
$0 or $10

No Monthly Service Fee with a daily balance of at least $1,500, otherwise $10/month
  Simply Free
Checking
Simply Free Checking - Learn More
Double Nickel
Interest Checking
Double Nickel Interest Checking - Learn More
Smart Money
Checking
EZ Interest Checking - Learn More
Premier
Interest Checking
Premier Interest Checking - Learn More
Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details. 1We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MICS. Free gift provided at the time of account opening. Gift is available while supplies last. 2Additional data rates and text charges from your carrier may apply. All other banking fees apply, see branch for details. Other banking fees, such as NSF, overdraft, sustained overdraft fees, etc. may apply, see schedule of fees.
 

Simply Free Checking

Free is better. First Federal’s Free & Easy Checking is a non-interest bearing account available to all personal customers.

Find out if a Simply Free Checking Account is the best fit for you. Compare our checking accounts.

To open your account, visit your Neighborhood Branch.

All other banking fees apply, see branch for details. Other fees, such as NSF, overdraft, sustained overdraft fees, etc. may apply, see schedule of fees. First Federal does not charge fees to download or use the First Federal Mobile Banking App; however, your mobile carrier may charge for data and text message usage. Check with your carrier for more information. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details.
 

Double Nickel Interest Checking

Open to customers 55 and better, First Federal’s Double Nickel Interest Checking offers you a checking account that fits your needs.

Find out if a Double Nickel Interest Checking Account is the best fit for you. Compare our checking accounts.

To open your account, visit your Neighborhood Branch.

Double Nickle Interest Checking for customers 55 and over. All other banking fees apply, see branch for details. Other fees, such as NSF, overdraft, sustained overdraft fees, etc. may apply, see schedule of fees. First Federal does not charge fees to download or use the First Federal Mobile Banking App; however, your mobile carrier may charge for data and text message usage. Check with your carrier for more information. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details.
 

Smart Money Checking

Earn great rates with First Federal’s Smart Money Checking.
  • 1.50% APY* on balances up to $50,000
  • 0.03% APY* on the remaining balance over $50,000
  • $25 monthly service charge waived if the account meets all three requirements:
  • Enroll in eStatements
  • Have at least $1,000 in direct deposits each month
  • Use your debit card for purchases 5 times a month
  • Only $50 deposit to open
  • Free 1st order of logo wallet checks
  • Free Mobile Banking with Mobile Check Deposit
  • Free Online Banking and Bill Pay
  • Free eStatements
  • Free MasterCard© debit card
  • Free gift
  • Buy back of your unused checks and debit cards from another financial institution, up to $10
  • Use any ATM nationwide & we’ll refund the surcharges

Find out if a Smart Money Checking Account is the best fit for you. Compare our checking accounts.

To open your account, visit your Neighborhood Branch.

*Annual Percentage Yield is accurate as of 9/13/21. Rates may change. Fees could reduce earnings. All other banking fees apply, see branch for details. Other fees, such as NSF, overdraft, sustained overdraft fees, etc. may apply, see schedule of fees. First Federal does not charge fees to download or use the First Federal Mobile Banking App; however, your mobile carrier may charge for data and text message usage. Check with your carrier for more information. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details.
 

Premier Interest Checking

Earn the best rates and get the most benefits with Premier Interest Checking.

Find out if a Premier Interest Checking Account is the best fit for you. Compare our checking accounts.

To open your account, visit your Neighborhood Branch.

All other banking fees apply, see branch for details. Other fees, such as NSF, overdraft, sustained overdraft fees, etc. may apply, see schedule of fees. First Federal does not charge fees to download or use the First Federal Mobile Banking App; however, your mobile carrier may charge for data and text message usage. Check with your carrier for more information. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details.