E-Checking

Go digital with E-Checking and get the anytime access you want through our mobile and online services. It's the new age of banking.

E-Checking puts the power of banking in your hands. Simplify daily tasks while still enjoying all of the features and benefits you love about our checking accounts.

Convenience & Value

  • No minimum account balance
  • Free Mobile Deposit1, OnLine Banking and Bill Pay, and Mobile Banking1
  • Up to $8 in refunds of another bank's ATM charges

Additional Incentives

Requirements & Fees

  • Open with a $50 minimum deposit
  • Free E-Statements3
  • Avoid $10 monthly service charge and fees from other bank's ATMs4, if you:
    • Enroll in Direct Deposit from an income source (e.g., payroll, Social security, Pension, etc.)
    • AND enroll in E-Statements
    • AND enroll in OnLine Banking
    • AND have an active Debit Card (at least one point-of-sale transaction that posts and settles three business days prior to statement cycle date)

Which Account Fits You

Relationship Checking

E-Checking

Student Banking

Simple Checking

Benefits
Free Mobile Deposit 1YesYesYesYes
Exclusive Relationship Savings AccountYesYesYes
Refund of ATM Charges from Another Bank's ATMUp to $8
Discount on Consumer Loan FeesYesYes
E-StatementsYesYesYesYes
Free Paper StatementsYesAvailable upon request for those aged 65 and better
50% Discount on Safe Deposit Box (Pending Availability)Yes
Interest EarnedTiered Interest Rates and APYs (Annual Percentage Yield)
Free ChecksFirst Order of Non-Duplicate, Standard Checks
Check WritingUnlimitedLimit of 10 checks per month with a $1 fee for each check thereafterNoneUnlimited
No Monthly Service Charge if YouMaintain an Average Daily Balance of $1,000 or Combined Deposit and Loan Account Balances of $20,000 or more. - Direct Deposit from Income Source - AND Enroll in E-Statements - AND Enroll in OnLine Banking - AND Have an Active Debit Card (1 or more point-of-sale transaction)
Monthly Service Charge if Requirements are Not Met$10$10$0$0
Minimum Balance or Average Daily BalanceSee AboveNoneNoneNone
Minimum to Open Account$50$50$50$50

Disclosures

1 Your use of First Federal Bank Mobile Banking services are governed by the Terms and Conditions document given during enrollment. Standard data rates from your wireless provider may still apply. 

2 First 10 checks free, $1.00 fee for each check thereafter per statement cycle.

3 A $3.00 paper statement fee applies for those that elect to receive a paper statement per statement cycle.

4 Up to $8 in other banks ATM fees per statement cycle.