Checking Accounts

With no per item or per month fees, you can’t beat a checking account from First Federal Savings.

Checking account services include: MasterMoney Cards, Online Banking, Bill Pay, Overdraft Protection, and Pre-Authorized Transfers. Convenient locations, surcharge free ATMs and people you can trust!

NOW Checking

Our NOW checking account is a checking account with full benefits! With no per month or per item fees*, you can’t go wrong, plus you have the flexibility of Online Banking, Overdraft Protection, and more!

ECO Checking

ECO Checking is just what you need to be easy on the environment and save valuable time. No paper, No checks, No statement! Sign up for at least 5 bill pays at no cost to you. Debit card and direct deposit required.

Overdraft Protection

Overdraft Protection

Overdraft Protection can be made available by linking one of your qualifying First Federal Savings deposit accounts to your N.O.W. or checking account.

If your NOW goes in the negative, funds will be transferred from your savings account in $0.01 increments. The funds must be available in your other account. Each day there is a transfer you are charged a fee out of the account the funds came out of.

Line of Credit Overdraft Protection

We also offer an Overdraft Credit Line.

Credit-line money comes out of a loan account in $50.00 increments. This must be approved by a loan officer or manager. Loans go up to $500.00. Over $500.00 loan applications must be filled out. The repayment of principal and interest will be automatically deducted from your NOW account.

Account Opening Policy

First Federal Savings is happy to open accounts for anyone living in the mid-coast area on a permanent or seasonal basis. Valid, non-expired picture identification and social security card required. People under the age of 18 must have a parent or guardian for certain accounts.

Account Disclaimer

Please note that this is a consumer account. For-profit organizations, partnerships and certain other entities may not be eligible for this type of account. Fees could reduce earnings. For variable rate accounts, rates may change after the account is opened.

*Service Charges & Fees

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.We proudly support all efforts to protect and maintain the security of our customers and our country.