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 below, call 888-804-4734, or use this form to open an account from home.
Essential Free
Checking
Easy, simple checking for those starting out in life
- Ages 16-303
- Only $25 to open account
- 1 standard Visa debit card
- Paper statements: +$2/month
- Up to $100 in overdraft coverage
$0 per month
Apply Now
Enhanced
Checking
Best value checking for everyday life
- Only $50 to open account
- 1 personalized Visa debit card
- 1 box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Paper statements: +$2/month
- Up to $300 in overdraft coverage
$9 per month
Apply Now
elite
Checking
Premium checking with interest6
- Only $50 to open account
- 1 personalized Visa debit card
- 2 boxes of standard checks free per year
- 2 non-sufficient funds charge waived per year upon request
- Paper statements: +$2/month
- Maintain a $5,000 daily balance or $25,000 loan/deposit relationship to waive the service charge
- Contact for Rates & APY
$13 per month
Apply Now
EMPLOYEE ADVANTAGE
Checking
- For employees of businesses that bank with First Federal Bank5
- Only $50 to open account
- 1 personalized Visa debit card
- 1 box of standard checks free
- 2 non-sufficient funds charge waived per year upon request
- Paper statements: +$2/month
- Up to $300 in overdraft coverage
- Payroll direct deposit required5 to waive the service charge
$0 per month
Apply Now
essential seniors
Checking
Easy checking for Seniors
- Ages 55+
- Only $50 to open account
- 1 standard Visa debit card
- Discounted standard checks
- Up to $300 in overdraft coverage
- Maintain a $1,000 daily balance, save $4/month
- Use eStatements, save $2/month
$6 per month
Apply Now
Community Heroes
Checking
-
Best value checking for our service men and women4
- Only $50 to open account
- 1 personalized Visa debit card
- 1 box of standard checks free per year
- 2 non-sufficient funds charge waived per year upon request
- Paper statements: +$2/month
- Payroll direct deposit required to waive the service charge
$0 per month
Apply Now
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 Free Checking: After customer turns 31, account will be converted to an Enhanced Checking account. 4) 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. 5) 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. 6) The interest rate and annual percentage yield may change weekly at our discretion. 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