Personal Checking

Free Personal Checking

A non-interest bearing checking account with no minimum balance requirements and no monthly service charges.

Account Features:

No transaction limitations. Free Visa/ATM Check Card. Convenient Internet Banking, AIMEE telebank and Bill Payment available. $2,000 free AD&D insurance available upon request.

Limitations:

$50 minimum opening deposit.

Account Fees:

No monthly service charge. All other fees and service charges apply. You may receive check images in your statement for $5.25 per month. See Miscellaneous Fees and Charges* for specific fees associated with this account and for other services.

*Miscellaneous Fees and Charges

Interest Checking

An interest bearing checking account that earns higher yields with higher balances.

Account Features:

No transaction limitations. Free Visa/ATM Check Card. Convenient Internet Banking, AIMEE telebank and Bill Payment available. $2,000 free AD&D insurance available upon request. This account is for individuals only.

Rate Information:

Interest rate and annual percentage yield (APY) will depend upon the daily balance in the account as shown on the Rate Chart. Interest rate and APY subject to change. We may change the interest rate weekly. Interest begins to accrue on the business day we receive credit for the deposit of noncash items (ex: checks). Interest will be compounded daily and credited to the account monthly.

Balance Information:

The daily balance method is used to calculate interest on the account. A daily periodic rate is applied to the principal in the account each day. You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed APY.

Limitations:

$50 minimum opening deposit. Account available to individuals, sole proprietors and qualified non-profit organizations.

Account Fees:

Monthly service charge of $14.00 imposed every statement cycle when the daily balance falls below $1,500 on any day of the cycle. $3 discount on monthly service charge with eStatement. Checks are not returned in statement. You may receive check images in your statement for $5.25 per month. Account will earn no interest on any day that the balance falls below $5,000.00. See Miscellaneous Fees and Charges* for specific fees associated with this account and for other services.

*Miscellaneous Fees and Charges

Prestige Checking

An interest bearing checking account package of services for customers with a $25,000 deposit/loan relationship. This package includes free Traveler’s Checks, cashier’s checks, free personalized Prestige checks, a free 3x5 safe deposit box for the first year after account opening, and free external ATM charges.

Account Features:

Rate Information:

Interest rate and annual percentage yield (APY) will depend upon the daily balance in the account as shown on the Rate Chart. Interest rate and APY subject to change. We may change the interest rate weekly. Interest begins to accrue on the business day we receive credit for the deposit of noncash items ex: checks). Interest will be compounded daily and will be credited to the account monthly.

Balance Information:

Limitations:

$50 minimum opening deposit. A $25,000.00 loan and/or deposit relationship is required for account opening.

Account Fees:

Monthly service charge of $14.00 imposed every statement cycle when the daily balance falls below $2,500 on any day of the cycle unless you maintain a $25,000 loan/deposit relationship. $3 discount on monthly service charge with eStatement. Account will earn no interest on any day the balance falls below $5,000.00. See Miscellaneous Fees and Charges* for specific fees associated with this account and for other services.

*Miscellaneous Fees and Charges

Senior Member Checking

An interest bearing account offered to our customers age 50 or older. Free Traveler’s Checks and free personalized Senior Member checks are included.

Account Features:

Rate Information:

Balance Information:

Limitations:

You must be age 50 or older and deposit $50 to open this account.

Account Fees:

Monthly service charge of $8.50 imposed every statement cycle when the daily balance falls below $500 on any day of the cycle unless you maintain a $10,000 loan/deposit relationship. $3 discount on monthly service charge with eStatement. Account will earn no interest on any day that the balance falls below $5,000.00. See Miscellaneous Fees and Charges* for specific fees associated with this account and for other services.

*Miscellaneous Fees and Charges

Investor Access Checking

An interest bearing account which enables customers to earn a premium interest rate.

Account Features:

Rate Information:

Balance Information:

Limitations:

$50 minimum opening deposit. Investor Access customers must maintain a $50,000 fee based account relationship with Raymond James Financial Services.

Account Fees:

Monthly service charge of $13 imposed every statement cycle when the daily balance falls below $2,500 on any day of the cycle. $3 discount on monthly service charge with eStatement. Account will earn reduced rates for balances below $25,000 and will earn no interest on any day the balance falls below $5,000.00. See Miscellaneous Fees and Charges* for specific fees associated with this account and for other services.

*Miscellaneous Fees and Charges

Health Savings Account

An interest bearing account designed to help individuals with high deductible health insurance plans save for future qualified medical expenses. This account is intended to house funds for medical expenses, and allows the customer easy access with a free Visa/ATM Check Card.

Account Features:

Free Visa/ATM Check Card. Online Banking, AIMEE telebank, and Bill Payment available. $2,000 free AD&D insurance available upon request.

Rate Information:

Balance Information:

The daily balance method is used to calculate interest on the account. A daily periodic rate is applied to the principal in the account each day. You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed APY.

Limitations:

Contribution and distribution limitations and restrictions as established by federal law.

Account Fees:

A $25.00 one-time enrollment fee is required to open this account. An annual HSA fee of $15.00 will be assessed on all accounts. $15.00 HSA annual fee waived for members of First Federal Employee Advantage program. Account is subject to a $3.00 monthly service charge if the daily balance falls below $1,000.00. $3.00 discount on monthly service charge with eStatement. Account will earn no interest on any day that the balance falls below $2,500.00. See Miscellaneous Fees and Charges* for schedule of fees associated with specific services.

*Miscellaneous Fees and Charges