Checking designed to support your financial future. Enjoy modern digital tools and personalized support to help you reach your goals. And as a community mutual bank, when you bank with us, you’re joining something bigger—a team committed to making a real difference in our community.
GO Account
Start building a strong financial foundation with a GO Account. Perfect for adults looking to grow their financial base, or for sharing with your kids as a joint account.
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First Free Checking
First Free Checking is a modern account to give you what you want from your money: simplicity and no monthly fees. It’s free and includes a debit card for everyday purchases and managing expenses.
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Premier Interest Checking
You work hard for your money. It should do the same for you. Maximize your money with a checking account that earns you interest.
Learn moreTools and features
Explore the tools and features you get with any First Federal checking account. Have questions about our checking accounts? Check out our Frequently Asked Questions!
Mobile and online banking
Free digital banking services that include e-statements, money transfers, mobile deposit, and more
Nationwide access
Access to 80,000+ surcharge-free ATMs with MoneyPass® and Allpoint® ATM networks
Early pay
Receive your funds up to two days early with personal First Federal Checking accounts*
FFBKC Overdraft Programs
Our optional overdraft programs can eliminate the worry of a declined debit card purchase, check or ATM withdrawal.
Learn more about our overdraft programs or view the overdraft program disclosure.
GO Account
Start building your financial foundation with our BankOn-certified GO Account. Ideal for adults starting their journey or for teaching kids the value of managing finances.
If you’ve encountered roadblocks with credit or account overdraws in the past, take the first step forward with our GO Account, an affordable account with no monthly fees, no minimum account balance, and no paper checks. Say goodbye to payday loans, check cashing fees, and the hassle of carrying cash when your paycheck is directly deposited into your account. We believe everyone deserves simple, secure access to their money and our GO Account makes it possible.
A GO Account is also available for minors ages 11-17** with a joint owner who is at least 18 years of age and is the minor’s parent, grandparent, guardian or spouse.
Benefits of a First Federal GO Account:
- A lightweight checking account with no overdraft or service fees
- Just a $25 deposit to open
- No minimum account balance required
- Includes a free Visa® debit card for everyday purchases
- Eligible to open a First Federal Savings account
Further your finances by pairing your account with a First Federal GROW savings account. Earn interest while avoiding fees.
Learn More >
Get started with a GO Account today!
** Minor must be at least 13 years old to open an account online. Minors ages 11-12 must open an account in branch with their joint accountholder. All parties must provide identification acceptable to First Federal Bank.
First Free Checking
Simple and free. With First Free Checking, you get all of the benefits and none of the fees. Free never felt so good.
Benefits of a First Free Checking account:
- A simple, free checking account
- Just a $25 deposit to open
- No minimum balance required
- Free Visa® debit card for everyday purchases
- Unlimited check writing
A First Federal Savings account is the perfect companion to your checking account. Earn interest while avoiding fees.
Learn more >
Get started with First Free Checking today!
Premier Interest Checking
Manage, move and maximize your money. This is checking that makes it simple to do everything you need to do with your money while earning interest.
Looking to earn a competitive rate on your money while still having complete access and control? You can with Premier Interest Checking.
Benefits of Premier Interest Checking:
- A checking account that pays monthly interest
- Includes a free Visa® debit card for everyday purchases
- Avoid the $5 monthly service charge when you keep a $500 daily balance or with a monthly direct deposit
- Unlimited check writing
Rates accurate as of 4/5/2026 and subject to change without notice.
| Minimum Balance to Earn APY | Interest Rate | APY* |
|---|---|---|
| $0 – $4,999.99 | 0.10% | 0.10% |
| $5,000 – $24,999.99 | 0.15% | 0.15% |
| $25,000 and over | 0.20% | 0.20% |
Requires a $25 deposit to open.
*APY = Annual percentage yield. Rate and APY may change any time after account is opened. Fees may reduce earnings in account.
Which is the best checking account for me?
| GO ACCOUNT | FIRST FREE CHECKING | PREMIER INTEREST CHECKING | |
|---|---|---|---|
| Earn interest on the money in your checking account. |
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| No minimum account balance required |
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| Minimum deposit to open | $25 | $25 | $25 |
| Free MoneyPass® ATMs nationwide |
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| Free mobile and online banking, including bill pay |
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| Unlimited check writing |
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| Free e-statements |
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Mobile and Online Banking
It’s your money, you should control it—no matter where you are. Get started with our easy-to-use online banking and app. Check account balances, transfer funds, deposit checks, pay bills and more.
Checking account frequently asked questions
Can I open a checking account for free?
Yes! There’s no fee to open a checking account and no hidden charges. The only requirement is a $25 minimum opening deposit, which goes directly into your new account. It’s your money to use — not a fee.
How can I open a checking account online quickly?
Simply click “Open account online” and you will be directed to our easy and secure online account opening process.
Can I open a joint account?
Yes, to open a joint account, you’ll need:
- Your driver’s license number
- Your Social Security number
- Joint account owner’s license number
- Joint account owner’s Social Security number
Can my child open an account?
Yes! Minors between the ages of 11-17 are able to open a Go Checking Account or a Minor Savings Account that includes another joint owner who is at least 18 years of age and is the minor’s parent, grandparent, guardian or spouse. Minor must be at least 13 years old to open an account online. Minors ages 11-12 must open an account in branch with their joint accountholder. All parties must provide identification acceptable to First Federal Bank. Upon turning 18, your Minor Savings Account will be converted to a regular Statement Savings Account.
What online and digital tools can I access with my account?
Our accounts include a powerful digital interface, where you can get instant account balances, make transfers, set up payments, and even access robust budgeting and account management tools to help you plan your financial life. Once you open your account, see "How do I start using digital banking or the mobile app? " for instructions on how to get started.
How do I start using digital banking or the mobile app?
All First Federal accounts offer an easy-to-use online banking platform and app to view and manage all of your accounts.
Click here to learn how to set up and use digital banking for your accounts >
Does my account come with a debit card?
Yes, you will have the option to receive a Visa debit card with your account. If you need a debit card, or need to replace a card, contact us at customeradvisorycenter@ffbkc.com or (816) 241-7800
Does First Federal offer financial and budgeting help?
Along with our helpful universal bankers at 9 banking centers throughout the greater Kansas City area, First Federal offers numerous online learning courses and resources. You can also access My Money Manager, a powerful money management and budgeting tool, directly in online banking or your mobile app.
What are the benefits of banking with a mutual community bank versus a traditional bank?
Mutual banks (like us) are true community banks. We don't have owners or stockholders. This means we’re focused entirely on your success, and our profits are reinvested back into the bank and the communities we serve.
More checking account questions
All accounts subject to approval. Restrictions and limitations apply. Product terms subject to change.
*Early availability of funds is not guaranteed and may vary from deposit to deposit. Whether we make deposits early is subject to receiving deposit information from the depositor, possible limitations on the amount of the deposit, and possible fraud prevention screening.
