Checking Accounts


With four different checking accounts to choose from, First Federal Bank has options for everyone.  It’s easy to switch and you will enjoy these free services with every First Federal Checking Account:

  • Mobile banking & mobile deposit*
  • CardValet®**
  • Zelle®
  • Online banking & bill pay
  • No monthly fee debit card
  • eStatements
  • Direct deposit
  • Automatic transfers between accounts
  • Combined statements
  • Free ATM transactions when you use ATM Access Network or Money Pass Network ATMs
  • Free first order of checks
  • Free checks for life for anyone 55 years and over, active military personnel and veterans



Fresh Start Checking

Let’s make a fresh start together with our Bank On Certified account.

Pay bills, make deposits and withdrawals, and transfer money with ease.

  • No minimum balance requirement
  • No opening deposit required
  • $5 monthly service fee
  • No overdraft, non-sufficient funds, or inactivity fees^

^Other fees may apply. See a banker for details.

Freedom Checking

Our equivalent of “Free Checking”, Freedom Checking is ideal for your day-to-day purchases.

  • No minimum balance
  • $50 to open the account
  • No monthly service or activity fees
  • Unlimited debit card transactions and check writing


Rewards Checking

With our Rewards Checking Account, you can earn a great interest rate on your balance and get ATM fees refunded up to $25 per statement cycle when you meet the simple qualifications!

  • No minimum balance
  • $50 to open the account
  • Earn superior interest rates on balances when qualifications are met during each statement cycle:
    • One (1) direct deposit of $250 from a valid employer payroll or government entity, or two (2) ACH debits
    • Ten (10) debit card transactions
      • Qualifying debit card activity includes point of sale purchases, ATM transactions do not count toward bonus qualifications
    • Must be signed up for eStatements
  • Accounts that do not meet the qualifications will earn a lower APY (annual percentage yield) and a $10 service charge will be applied
  • Free ATMs anywhere in the continental United States
  • Unlimited debit card transactions and check writing


Relationship Checking

Relationship Checking is our checking account designed for those interested in higher interest!

  • $50 to open the account
  • $10 monthly charge if minimum balance falls below $1,500
  • Unlimited debit card transactions and check writing

*Per your data provider, SMS message and data fees may apply.  Mobile deposit functionality limited to Apple and Android phones. Windows phones are not supported. Mobile deposits limited to checking accounts, including HSA and Money Market. Deposit limits and other restrictions apply. **Per your data provider, SMS message and data fees may apply.  Mobile service only available through the Card Valet app available in Google Play store and iTunes. Availability may be affected by your mobile device’s coverage area. †ATM fees will be reimbursed at each statement cycle if qualifications are met.

Switch to First Federal Bank! 

We invite you to experience The Community Bank Difference! Switching to First Federal Bank is easy! Our Switch Kit will help you make the move quickly and efficiently!