Essential Free

Free Checking Account with Reward Points

Essential Free Checking1 +Earn $752and earn 5,000 Reward Points3

New customers earn $75 when an Essential Free Checking account is opened online and a recurring direct deposit is set-up. You could also earn 5,000 uChoose Reward points when account and debit card minimums are met.


1) Essential Free Checking: $25 to open. Available to people age 16-30. At age 31, account will convert to an Enhanced Checking Account. 2) Checking Account Bonus: To qualify for the $75 Essential Free Checking Account cash bonus (or $50 Essential Free Checking Account cash bonus when opened in branch), new personal Checking customers must open an Essential Free Checking Account online and must set-up a qualifying recurring payroll direct deposit of $250 or more into the new account. Person to person and bank transfers between your First Federal Bank account or accounts you have at other financial institutions or brokerages do not qualify. Once the criterion is met, the bonus will be credited to the new account no later than 120 days from the open date. If the account is closed by the customer within 6 months after account opening, First Federal Bank reserves the right to deduct the bonus amount from that account at closing. 3) uChoose Reward Points Bonus: Essential Free Checking Account must complete at least 60 transactions with connected First Federal Bank Debit Card within 90 days of account opening. Once the criterion is met, the reward points will be added to the uChoose Rewards profile linked to the new checking account no later than 120 days from the open date. Points may take up to 40 days to show in your uChoose Rewards account. Must be registered to redeem points. Cash back rewards may be subject to tax reporting.
Offer subject to change at any time.