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.

Everything You Need, Nothing You Don't

  • No minimum account balance
  • Deposit your checks from anywhere with Mobile Deposit1. OnLine Banking and Bill Pay, and Mobile Banking1
  • 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

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
Discount on Consumer Loan FeesYesYes
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.