Checking Accounts

First Federal offers full-service, interest and non-interest bearing checking accounts to help you meet your financial goals. All of our checking accounts include Online Banking, Bill Pay, eStatements and a Visa Debit Card with UChoose Rewards.

To open an account, or to learn more about any of our products, please visit us at one of our convenient locations.


Personal Checking Accounts Comparison Chart


Minimums & Fees

Prestige Checking

Open with $100, unlimited check writing, Free personalized checks, Free Debit card. No Fee 3x5 Safe Deposit Box. Free Online Banking with Bill Pay.

To avoid $15 Monthly Maintenance fee:
  • $10,000 in a CD or Money Market
  • $5,000 in a Savings Account, Loan
    or Equity Line of Credit
Heritage Checking Open with $100. Free Personalized Heritage Style checks, Free Debit card. Free Online Banking with Bill Pay
  • $5 Monthly Maintenance fee if balance falls below $100
  • No Monthly Maintenance fee with direct deposit
Money Market Accounts Open with $1,000. Unlimited First Federal ATM and in-branch withdrawals.
  • $1,000 minimum to avoid Monthly Maintenance fee
  • $10 Monthly Maintenance fee if balance falls below $1,000


Continue your First Federal debit card overdraft protection.

Overdraft Protection Opt-In