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


  • Open with a $50 minimum deposit
  • Must be 18 years or older to open an account online.

Which Account Fits You

Relationship Checking

Simple Checking

Student Banking

Free Mobile Deposits, People Pay & Bill Pay within our mobile app1
MoneyPass® ATM Network Without Surcharge Fees
Exclusive Relationship Savings Account
Check Writing Available
Interest Paid
(Tiered interest rate and Annual Percentage Yield)
Complimentary First Order of Checks
(non-duplicate, standard checks)
Free Paper Statements
Account-to-Account Overdraft Transfer Fee Waived
Half-off Safe Deposit Box Rental
(Pending availability)

Minimum Account Balance to Avoid a Monthly Service Charge

Average daily balance of $1,000 or combined deposit and loan account balances of $20,000 or more



Monthly Service Charge if Requirements Not Met2$10$0$0
Minimum to Open the Account$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 Monthly fee charged according to statement cycle.