Checking

FAQ

You'll find checking options to fit how you do you:

  • First Free Checking
  • Premier Interest Checking
  • First Business Checking
  • Business Interest Checking

You can start the application for a First Federal account. Or stop by any of our convenient locations.


To open an account, you’ll need:

  • Your driver’s license number
  • Your Social Security number
  • Joint account owner’s information (if applicable)

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

You can write a check from another account to open your First Federal Bank account or deposit cash.

There is no limit on how much you can deposit in your account.

Your account number appears as the second group of numbers printed on the bottom of your checks.

We can provide you with starter checks for $2, or we can provide you with a direct deposit form. Check with your employer or government agency to see which method they would prefer.

Contact your employer or the payer of the direct deposit to adjust your direct deposit amount.

An overdraft or bounced checks happen when you write a check, make an automatic debit or debit card purchase when there is not enough money in your account to cover the cost.

Courtesy Overdraft Coverage is a service provided to cover overdrafts in the event your checking account should have insufficient funds to cover a presented check for payment or a debit card purchase. This service is optional to our customers at any time.

Overdraft Protection is a service provided to cover overdrafts in the event your checking account should have insufficient funds to cover a presented check for payment or a debit card purchase. Funds automatically transfer in $1 increments from your savings or money market account for a minimal fee.

If you have Courtesy Overdraft Protection and a transaction of $1.00 or more would overdraw your account, we may authorize the transaction for a $35 service charge per transaction. The most you could be charged in one day is $210 for up to 6 transactions.

You can opt-out of Courtesy Overdraft Protection for debit and ATM transactions at any time. This means you will not be able to make debit card purchases or ATM withdrawals that would overdraw your account. However, you may still be charged overdraft service fees if you write a checks and there is not enough money in your account to cover them.