Checking Accounts

At First Federal, the freedom to bank smarter starts with the right checking account. We give you options that help you select the right account to match your needs. To obtain more information or open an account, visit one of our convenient locations or call us at 262-542-4448. Compare Our Checking Accounts

Free with any First Federal Checking Account:

  • Online Banking, Bill Pay & Mobile Banking
  • No monthly fee debit card
  • Direct Deposit
  • Automatic Transfers between First Federal checking and savings accounts
  • Combined Statements with all your First Federal accounts
  • Use the MoneyPass ATM Network nationwide
  • Free ATM transactions at First Federal and more than 850 Access Network ATMs in Wisconsin

Other Banking Services:

  • Night deposits
  • Official checks
  • First box of checks & unlimited check writing
  • Notary
  • Wire transfers
  • Direct Deposits
  • Money Orders
  • Automated loan payments
  • Business loans**
  • VISA credit cards**

**Subject to credit approval NOTE: In order to meet the U.S. Patriot Act, all accounts must be opened in person with one form of government issued picture identification.


*APY = Annual Percentage Yield
Rates may change after the account is opened.
Fees could reduce the earnings on the account.
See Disclosures for details.

Freedom Checking

Our equivalent of “free checking”
Freedom Checking is ideal for your day to day purchases.
* Per your data provider SMS, message and data fees may apply.

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  • No minimum balance required
  • No monthly service or activity fees
  • $100 to open the account
  • No monthly fee debit card
  • Unlimited debit card transactions and check writing
  • FREE Online Banking
  • FREE Online Bill-Pay
  • FREE Mobile Banking*
  • FREE E-statements
  • FREE Debit Card
  • First order of checks FREE

Spirit Checking

With our Spirit Checking Account, you can earn a great interest rate on your balance and get free ATM fee refunds** nationwide when you meet the simple qualifications!
*Per your data provider SMS, message and data fees may apply
**ATM fees will be reimbursed at each statement cycle date if qualifications are met

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  • No minimum balance required
  • Earn superior interest rates on balances up to $25,000 when qualifications are met
  • Free ATMs anywhere in the continental United States**
  • $100 to open the account
  • No monthly fee debit card
  • Unlimited debit card transactions and check writing
  • First order of checks FREE
  • The following qualifications are met during each statement cycle:
  • Ten (10) signature-based debit transactions required per statement cycle
  • One (1) direct deposit or ACH automatic withdrawal of at least $100.00
  • One (1) Online Banking or Mobile Banking login
  • Must be signed up for eStatements
  • In addition, get these great benefits:
  • FREE Online Banking
  • FREE Online Bill-Pay
  • FREE Mobile Banking*
  • FREE eStatements
  • ATM Access Network – thousands of participating financial institutions

Liberty Checking

Enjoy the benefits of the Liberty Checking account!
Monthly fee of $5.00 plus $0.15 per transaction waived if the average daily balance in the account is above $500.
* Per your data provider SMS, message and data fees may apply.

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  • Unlimited debit card transactions and check writing
  • FREE Online Banking
  • FREE Online Bill-Pay
  • FREE Mobile Banking*
  • FREE E-statements
  • FREE Debit Card
  • First order of checks FREE

Patriot Checking

Over 50 years old or have you served our country? Patriot Checking may be the checking account for you! This account, including all features and benefits, is available to all individuals age 50 years or greater, and all current United States military service members and veterans. Military personnel includes past or present service in the United States Army, Navy, Air Force, Marine Corps, Coast Guard, National Guard and Reserves. A qualifying military ID card proving past or present service is required upon account opening.
* Per your data provider SMS, message and data fees may apply.

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  • This account earns interest – please see a bank representative for details
  • Free checks for life of the account
  • No minimum balance
  • No monthly service or activity fees
  • $100 to open the account
  • Online statements required
  • FREE Online Banking
  • FREE Online Bill-Pay
  • FREE Mobile Banking*
  • FREE E-statements
  • FREE Debit Card

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact us immediately at 262 542-4448. After regular business hours, please call 1-800 554-8969 to receive immediate assistance.

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