Personal Checking
Whether you are looking to open your first checking account or need additional services, First Federal Bank offers a variety of accounts designed to fit your lifestyle.
All First Federal checking accounts include these convenient services:
- FREE VISA Bonus Check Card – ATM Card
- FREE 1st order of FFBLA logo wallet style checks
- FREE 24-hour account information
- FREE Online Banking
- FREE Mobile Banking
- FREE Direct Deposit
- Bill Pay available
Find the Personal Checking Account that best suits your banking needs:
eVantage Checking
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Here’s a checking account for today’s on-the-go crowd. Take advantage of premium interest rates and convenient eStatements. To top it off, free Bill Pay online to keep things quick and easy! |
Totally Free Checking
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Looking for a no cost, no fee checking account that still offers you convenient services? Then Totally Free Checking is the account for you. |
Now Interest Checking
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Available to individuals, estates, trusts, and the like… This is a checking account that pays you back! Earn interest, while still having easy access to your funds for your daily needs. |
Classic 50 Interest Checking
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Here’s an account for individuals age 50 and better. Enjoy all the perks of our regular interest-bearing checking account with absolutely no monthly fee! |
Advantage Interest Checking
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If exceptional interest rates and benefits for your high balance checking account are what you want, then look no further. Available to individuals, not-for-profit associations, organizations and the like, this account will give you those extra perks you’ve been looking for. |
Money Market Account
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This account is designed to reward higher balances with a competitive interest rate and includes the convenience of unlimited in-person withdrawals. |
Advantage Money Management Account
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You get even more rewards with this high-powered money market account. Available to all checking account holders, the tiered rates give greater yields the more you save.
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Student Checking
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Here’s a checking account designed for the hard-working students of our community. No monthly fees and convenient on-line banking, for easy access to account information. |
Additional Accounts and Services available to you:
ETA™ Account
- Available to individuals who receive direct deposit of Federal funds
- Minimum opening deposit of $3
- No interest paid
- Monthly account maintenance charge of $3
- No checks issued with this account
- ATM Card issued for access of funds
- $1 per withdrawal after 4 per cycle period
- FREE 24-hour account information
Easy Access Account
- Available to individuals for personal use
- Minimum opening deposit of $50
- No interest paid
- Monthly account maintenance charge of $3
- No checks issued with this account
- ATM Card issued for access of funds
- $1 per withdrawal after 4 per cycle period
- FREE 24-hour account information
- FREE Online Banking
ATM Card
- 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
Overdraft Privilege
We offer automatic overdraft privilege at account opening for your personal checking account. Overdraft privilege provides comfort in knowing your check or debit will be paid in the event your account goes below zero.
- Insufficient Funds charge of $28.00 for each item paid or returned 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.
- Overdraft Privilege is also available for ATM and Debit card transactions. Click here to "Opt In".
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 Travel Card
- FREE Visa Check Card – ATM Card available
- Overdraft Privilege 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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