Personal Checking
Click "Apply Now" to open an account today.
All of our First Federal checking accounts come with online banking with bill pay1, mobile banking with eDeposit1, access to Allpoint ATM network, an instant-issue Visa debit card with a reward program, and text and email alerts2. Click "Apply Now" to open an account from home. Contact for Rates & APY
Filter
Qualifications
Age or Occupation
Opening Deposit
Required to open account
Visa® Debit Card
One per account
Checks
Non-Sufficient Funds
Charges accrued from declined transactions due to insufficient funds. Fees are not waived automatically; waived at the request of the customer.
eStatements
Receive account statements digitally
Overdraft Coverage
Protect yourself from overdrafts
Ways to Avoid Fees
Various ways to reduce the account monthly fee
Essential
Checking
Simple checking for those starting out in life.
$
0
/month with e-statements
Ages 16-303
$25
Standard Visa® Debit Card
-
-
Free4
Up to $1005
-
-
$50
Personalized Visa® Debit Card
1st Box of Standard Checks Free
2 Non-Sufficient Funds Charges Waived Annually
Free4
Up to $3005
-
-
$50
Personalized Visa® Debit Card
2 Boxes of Standard Checks Free Annually
2 Non-Sufficient Funds Charges Waived Annually
Free4
Up to $3005
$5,000 Daily Balance or $25,000 Loan & Deposit Balance6
For employees of businesses that bank with First Federal Bank8
$50
Personalized Visa® Debit Card
1st Box of Standard Checks Free
2 Non-Sufficient Funds Charges Waved Annually
Free4
Up to $3005
Payroll direct deposit required8 to waive the service charge
Ages 55+
$50
Standard Visa® Debit Card
Discounted Check Price
-
Paper Statement Included;
receive an e-statement and
save $2/month
receive an e-statement and
save $2/month
Up to $3005
Keep a $1,000 daily balance to save $4; e-statement save $2
Service men and women7
$50
Personalized Visa® Debit Card
1st Box of Standard Checks Free
2 Per Year Upon Request
Free4
Up to $3005
Payroll Direct Deposit Required
Hear from people just like you that trust in First Federal Bank.
The best customers deserve the best
banking experience.
Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
Deonna Willis
Lake City – Mall Branch
After 20 years with First Federal Bank, I easily leveraged our relationship to finance my new venture, Columbia Drip Bar. Their local presence, trustworthiness, and friendly service make First Federal the perfect banking partner.
Michael McKinney
I was glad to support my local bank to secure an SBA loan to open Line X in Gainesville. Staying connected to the community and contributing to the local economy’s growth is important to me.
1) Bill Pay and Mobile eDeposit: Online banking required. Must be 18-years-old or have a parent/guardian be on the account with a minor. Mobile eDeposit limit is $2,500 per day.
2) Text Message Alerts: Standard mobile carrier text messaging rates apply.
3) Essential Checking: After customer turns 31, account will be converted to an Enhanced Checking account.
2) Text Message Alerts: Standard mobile carrier text messaging rates apply.
3) Essential Checking: After customer turns 31, account will be converted to an Enhanced Checking account.
4) e-statements sent monthly at no additional charge. To receive a paper statement there is an additional $2.00 fee.
5) Overdraft Coverage is a discretionary service that may allow the bank to pay transactions when your account has insufficient available funds, up to the overdraft limit assigned to your account type. Payment is not guaranteed, and we may decline to pay any transaction at our discretion. A fee may be imposed for covering overdrafts created by check, in-personal withdrawal, ATM withdrawal, or other electronic means. You must opt- in to receive overdraft coverage for ATM withdrawals, and debit card transactions when you don’t have the funds in your account. Personal accounts are not eligible to enroll in Debit Card Courtesy Overdraft Coverage until the account has been opened and maintained in good standing for at least 90 days from the account opening date. Standard overdraft charges apply: $37 per item, up to 5 items per business day, per account. The daily overdraft charge of $7 begins the second day of overdraft and charge for up to 20 business days. The amount of any overdraft plus our NSF fees, is due immediately. We may suspend or revoke overdraft privileges if your account is not in good standing or you fail to repay promptly. For more details, please refer to our Miscellaneous Fees and the full Overdraft Coverage Options Disclosure.
5) Overdraft Coverage is a discretionary service that may allow the bank to pay transactions when your account has insufficient available funds, up to the overdraft limit assigned to your account type. Payment is not guaranteed, and we may decline to pay any transaction at our discretion. A fee may be imposed for covering overdrafts created by check, in-personal withdrawal, ATM withdrawal, or other electronic means. You must opt- in to receive overdraft coverage for ATM withdrawals, and debit card transactions when you don’t have the funds in your account. Personal accounts are not eligible to enroll in Debit Card Courtesy Overdraft Coverage until the account has been opened and maintained in good standing for at least 90 days from the account opening date. Standard overdraft charges apply: $37 per item, up to 5 items per business day, per account. The daily overdraft charge of $7 begins the second day of overdraft and charge for up to 20 business days. The amount of any overdraft plus our NSF fees, is due immediately. We may suspend or revoke overdraft privileges if your account is not in good standing or you fail to repay promptly. For more details, please refer to our Miscellaneous Fees and the full Overdraft Coverage Options Disclosure.
6) Must maintain a $5,000 daily deposit balance in this Elite Checking Account or a combined loan and deposit balance greater than $25,000 avoid monthly service charge.
7) For all active Law Enforcement, DOC Officers, First Responders, Educators, Nurses and active or retired Military. If direct deposit is not from a qualifying source, account may be converted to Enhanced Checking.
8) Direct deposit of payroll from a First Federal Bank business customer is required. If payroll direct deposit is not eligible, account will be converted into an Enhanced Checking account.
9) The interest rate and annual percentage yield are determined at the banks discretion and may change at any time after account opening. Interest begins to accrue on the business day we receive credit for the deposit of non-cash items. Account will earn no interest for any day the balance falls below $5,000.
8) Direct deposit of payroll from a First Federal Bank business customer is required. If payroll direct deposit is not eligible, account will be converted into an Enhanced Checking account.
9) The interest rate and annual percentage yield are determined at the banks discretion and may change at any time after account opening. Interest begins to accrue on the business day we receive credit for the deposit of non-cash items. Account will earn no interest for any day the balance falls below $5,000.
