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.


Must be 18 years or older to open an account online.

Convenience & Value

  • No minimum account balance
  • Free Mobile Deposit1, People Pay1, OnLine Banking and Bill Pay, and Mobile Banking1
  • Access to 32,000 ATMS nationwide without a surcharge fee through the Money Pass® ATM network. Find locations
  • 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)
  • Must be 18 years or older to open an account online.

Which Account Fits You

Relationship Checking


Student Banking

Simple Checking

Free Mobile Deposit 1YesYesYesYes
Exclusive Relationship Savings AccountYesYesYes
Refund of ATM Charges from Another Bank's ATMUp to $8
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


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.