Checking

Your Checking Account Options   

	Free Checking	Free PLUS Checking	Merit Checking	Premium Checking
This checking account is ideal for you if you are looking for...	All of the conveniences of a checking account without the expense of monthly fees or check writing restrictions.	A simple checking account without minimum balances and fees AND rewards you for banking with First Federal Bank.	A checking account full of benefits, like free checks beyond the first order, specifically designed for those age 50 and better.	A checking account that allows you to earn a higher rate of interest on your money.
Do I receive free checks?	No.	Yes, your first standard check order.	Yes, free standard checks, even beyond your first order.	Yes, your first standard check order.
Will I earn interest on the money in my checking account?	No.	No.	Yes, on balances of $1,000 or more.	Yes, tiered interest rates and APYs** starting at balances of $2,500
Must I maintain an average monthly minimum balance?	No.	No.	No.	Yes, $1,000.
Will I be charged a monthly maintenance fee?	No.	No.	No.	Yes, if your average balance falls below $1,000, you will be charged a $10 fee.
Am I required to have direct deposit or meet any other requirements for this account?	No.	Yes, you must have two of the following: Any type of loan, Any type of deposit account, Trust Account, Direct Deposit, Auto Pay, or be an OnLine Bill Pay user.	Yes, you must be age 50 or better.	Yes, Direct Deposit of payroll (or recurring debit or credit if self-employed).
Am I eligible for Free Overdraft Privilege Protection? What is my limit?	Yes, $500.	Yes, $500.	Yes, $1,000.	Yes, $1,000.
What other benefits will I receive?	Free OnLine Banking and Bill Pay* Free Debit Card Unlimited check writing Free Combined Statements and Free E-Statements	All benefits of Free Checking, plus... $50.00 discount on fees that may apply on all future loans Bonus of .10% APY** on all future Certificates of Deposit Free paper check images returned with monthly statement	All benefits of Free Checking, plus... 1/2 price discount on one safe deposit box applicable to any size available Free estate and investment planning 1 free non-First Federal Bank ATM transaction per statement cycle † Free paper check images returned with monthly statement	All benefits of Free Checking, plus... 4 free non-First Federal Bank ATM transactions per statement cycle † Free paper check images returned with monthly statement Free estate and investment planning Free 3x5 safe deposit box rental for the first year (pending availability)

*If your Bill Pay account remains dormant for 90 consecutive days, a $5.95 charge will appear on your next checking account statement **Annual Percentage Yield. †Other Banks’ fees may apply.

With a First Federal Bank Checking Account, you’ll receive many benefits:

• Unlimited Check Writing – No per-check charges.
• Free Debit Card – Convenient access to your checking account without the hassle of writing a check. You may also use your Debit Card without a fee at all First Federal Bank ATMs.
• Free OnLine Banking & Bill Pay – Enjoy convenient access to your account and pay bills 24 hours a day from any computer with internet access.*
• Low Minimum Opening Balance – Only $50 minimum opening deposit no matter which checking account you choose.
• Convenient Monthly Statement Options – Free Combined Statements and Free E-Statements with check images (an e-mail alerts you when your statement is available OnLine).
• Free Overdraft Privilege Protection – At First Federal Bank we do not encourage overdrafts and always encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide this special overdraft protection service. There is no additional cost associated with Overdraft Privilege Protection unless you use it. You will be charged our standard Non-Sufficient Funds (NSF) fee for each item paid through your Overdraft Privilege limit.