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Personal Banking - Checking
eVantage Checking | Totally Free Checking | Now Interest Checking |
Classic 50 Interest Checking | Advantage Interest Checking |
Advantage Money Management Account | Student Checking |
ETA Account | Easy Access Account | ATM Card | Overdraft Privilege
Relationship Reward Program | Advantage Banking
Classic 50 Interest Checking | Advantage Interest Checking |
Advantage Money Management Account | Student Checking |
ETA Account | Easy Access Account | ATM Card | Overdraft Privilege
Relationship Reward Program | Advantage Banking
- Premium Interest Rate Paid when 10 or more debit card transactions are made in a statement cycle
- Rates tiered according to balance: $0 through $9,999; $10,000 through $24,999; and $25,000 or greater.
- ATM Foreign Charges waived (up to $25 per monthly statement)
- FREE Visa Bonus Check Card
- FREE 24-hour Account Information
- FREE Online Banking
- FREE Bill Pay
- Minimum opening deposit of $100
- Account Maintenance Fee $15 (waived for eStatement customers)
- Available to individuals who want a no cost, no fee checking account
- FREE First Federal logo, wallet style checks (initial order)
- Minimum opening deposit of $50
- Unlimited Check Writing – No per check charge
- No minimum balance
- Check SafeKeeping
- FREE Visa Bonus Check Card – ATM Card available
- Free 24-hour Account Information
- Free Online Banking
- Free e-Statements
- Overdraft Privilege
- Bill Pay available
- Available to individuals, estates, trusts and the like
- FREE First Federal logo, wallet style checks (initial order)
- Minimum opening deposit of $50
- Interest on balance of $10 or more
- Monthly account maintenance charge of $7 if balance drops below $750
- Unlimited Check Writing – No per check charge
- Check and deposit images provided with monthly statement
- Free Overdraft Privilege
- FREE Visa Bonus Check Card – ATM Card available
- Free 24-hour Account Information
- Free Online Banking
- Free e-Statements
- Bill Pay available
- Available to individuals 50 years of age or older
- FREE First Federal logo, wallet style checks
- Minimum opening deposit of $50
- Interest on balance of $10 or more
- No monthly account maintenance charge
- Unlimited Check Writing – No per check charge
- Check and deposit images provided with monthly statement
- Free Overdraft Privilege
- FREE Visa Bonus Check Card – ATM Card available
- Free 24-hour Account Information
- Free Online Banking
- Free e-Statements
- Bill Pay available
- Available to individuals, not-for-profit associations, organizations and others
- FREE First Federal logo, wallet style checks
- Minimum opening deposit of $2,500
- NOW Interest Checking Account rate on any day balance drops below $2,500
- Monthly account maintenance charge of $10 if average balance drops below $2,500
- Unlimited Check Writing – No per check charge
- Free official checks and single signature Travelers Cheques
- Free Overdraft Privilege
- Check and deposit images provided with monthly statement
- FREE Visa Bonus Check Card – ATM Card available*
- FREE 24-hour Account information
- FREE Online Banking
- Free e-Statements
- FREE Bill Pay
*Available only to individuals
ADVANTAGE MONEY MANAGEMENT ACCOUNT
- Available to all Checking Account Holders.
- First Federal checking account required.
- Minimum opening deposit of $2,500
- Guaranteed high rate of return; rates tiered according to balance: less than $2,500; $2,500 and greater. NOW Interest Checking Account rate any day balance drops below $2,500
- No service charge with $2,500 balance (Monthly service charge if average balance drops below $2,500 during cycle period $7)
- 6 automatic, electronic, or pre-authorized transfers or debits per month allowed (includes 3 checks). *$7 each additional transfer over 6 per cycle period.
- Cash Management sweep of funds option available
- Unlimited sweeps from checking account
- Up to six sweeps from the AMMA allowed per cycle period
- No monthly sweep fee
- Monthly statement combined with checking account
- FREE Online Banking available
- Available to students 22 years of age and under
- FREE First Federal logo, wallet style checks (initial order)
- Minimum opening deposit of $50
- No monthly account maintenance charge
- Unlimited Check Writing – No per check charge
- No interest paid
- Free overdraft privilege
- Check Safekeeping
- FREE Visa Bonus Check Card – ATM Card available
- FREE 24-hour Account information
- FREE Online Banking
- Free e-Statements
- Bill Pay available
- Available to individuals who receive direct deposit of Federal funds
- Minimum opening deposit of $3
- No checks issued with this account
- ATM Card issued for access of funds
- No interest paid
- Monthly account maintenance charge of $3
- $1 per withdrawal after 4 per cycle period
- $10 per day maximum insufficient funds charge
- FREE 24-hour Account information
- Available to individuals for personal use
- Minimum opening deposit of $50
- No checks issued with this account
- ATM Card issued for access of funds
- No interest paid
- Monthly account maintenance charge of $3
- $1 per withdrawal after 4 per cycle period
- FREE 24-hour Account information
- Free Online Banking
- Card available to personal checking and statement savings account holders with a checking account
- 24-hour-a-day account access
- Withdraw cash, obtain balance inquires or transfer funds
- Use as debit card for Point-of-Sale purchases at Pulse locations
- Customized PIN number available
- $1 per ATM transaction at foreign terminal
- $8 per replacement card
We offer automatic overdraft privilege at account opening for your personal checking account. Overdraft privilege provides comfort in knowing your check will be paid in the event your account goes below zero.
- Insufficient Funds charge of $28.00 for each item paid through Overdraft Privilege. A $5.00 per calendar day overdraft service charge will also be assessed when the account remains overdrawn in excess of seven (7) calendar days, and will continue until the account is no longer overdrawn or is closed.
- Fees are imposed for covering overdrafts created by checks, pre-authorized debits, online banking transactions, ACH debits and in-house transfers to loan and deposit accounts that causes the current balance to fall below $0.00 on your account.
- Accounts in overdraft status must be paid within 14 days
- Overdrafts will not be paid if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. First Federal reserves the right not to pay any transactions that overdraw your account.
To sign up, just print and complete our Overdraft Privilege Agreement.
The Relationship Reward Program provides financial rewards based on deposit and loan balances. Membership is awarded to those customers who maintain any First Federal Checking Account, plus
- Deposit balances totaling $25,000 OR
- A Mortgage Loan with payments automatically drafted from a First Federal Checking Account.
In addition to the advantages built into these accounts, Relationship Reward Customers will receive an extra ¼% interest rate on Certificates of Deposit (excludes "Special Offers") upon request.
ADVANTAGE BANKING
The special Advantage Banking relationship is available to any First Federal customer who maintains an Advantage Checking Account. This ultimate banking package allows Advantage Checking customers to enjoy a variety of special advantages, including:
- Extra ¼% interest rate on Certificates of Deposit (excludes "Special Offers")
- FREE First Federal logo checks (wallet-style)
- FREE Official Checks
- FREE One Signature Traveler's Cheques
- FREE Visa Check Card – ATM Card available
- Overdraft Protection available at account opening
- FREE signature guarantees
- FREE trust consulting services for estate and retirement planning
- Combined statement available
- FREE Online Banking
- FREE Bill Pay
**First Federal checking accounts are available only to Louisiana residents. (Some restrictions may apply.)
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