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
Free Thank You Gift¹
Free Mobile Banking²
Free Online Banking & Bill Pay
Free MasterCard^{^©} Debit Card with Chip Technology
Free E-Statements or Paper Statements with check images
Free Incoming Wire Transfers
No Minimum Balance
No Monthly Service Charge
Competitive Interest Contact your banker about our current rates
Higher Interest Rate
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
Free Logo Wallet Checks	1^st order is free	1^st order is free	1^st order is free	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	Double Nickel Interest Checking	Smart Money Checking	Premier Interest Checking

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.

No minimum balance requirement
No monthly service charge
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
Only $50 deposit to open
Use any ATM nationwide & we’ll refund the surcharges

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

To open your account,

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.

Competitive interest rates
No minimum balance requirement
No monthly service charge
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
Only $50 deposit to open
Use any ATM nationwide & we’ll refund the surcharges

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

To open your account,

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 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,

*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.

Free logo wallet checks
Higher interest rate with a balance of $1,500 or more
Competitive interest rate if balance falls below $1,500
Only $10 monthly service charge if minimum balance falls below $1,500
Free Mobile Banking with Mobile Check Deposit
Free Online Banking and Bill Pay
Free eStatements
Free gift
Buy back of your unused checks and debit cards from another financial institution, up to $10
Only $50 deposit to open
Use any ATM nationwide & we’ll refund the surcharges

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

To open your account,