Simple Checking

Free your checking account of hassles. Simple Checking has no minimum balance requirement and includes a debit rewards card. It's the clear choice for convenience.

You need a checking account that gets you from point A to point B with no obstacles. Simple Checking is it.


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

Everything You Need, Nothing You Don't

  • No minimum account balance
  • Deposit your checks from anywhere with 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
  • Debit Card earns points with every purchase through ScoreCard® Rewards
  • Fee-free ATM transactions at First Federal Bank ATMs
  • Unlimited check-writing


  • Open with a $50 minimum deposit
  • 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.