All Personal Checking Accounts include:

  • Free ATMs Worldwide
  • Free FFB Online Banking
  • Free PowerPay (online bill pay)
  • Free Direct Line 24 (telephone banking)
  • Free Debit Card & Mini Debit Card
  • Free Mobile Banking

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Account Type Minimum Opening Balance Monthly Balance To Avoid Service Charge Unlimited Check Writing Check Card Interest Bearing Brochure
Freestyle Checking More›› $100 None Yes Free No Download

Freestyle Checking

Freestyle Checking is recommended for those who want a free, basic account. With Freestyle Checking, you'll enjoy:

  • Free ATMs Worldwide
  • Free Pocket Your Change (savings tool)
  • Free Mobile Banking
  • Free eStatements
  • No minimum balance
  • No monthly service charges
  • 1/4% discount on consumer loans with automatic debit
  • Overdraft Options Available
  • Monthly Statement with check safekeeping
  • Direct Deposit
  • Automatic Transfers
  • Unlimited Customer Service Assistance
Traditional Checking More›› $100

$750

*Monthly fee is also waived if $10,000 in other related deposit accounts

Yes Free No Download

Traditional Checking

Designed for those who who want the convenience of an imaged statement and regularly maintain the minimum balance. Other features include:   

  • Free ATMs Worldwide
  • Free Mobile Banking
  • Free eStatements  
  • Free Financial Plan
  • Monthly Imaged Statement
  • 1/4% discount on consumer loans with automatic debit
  • Overdraft Options Available
  • Unlimited Customer Service Assistance
First Option Checking More›› $100 None Yes Free No Download

First Option Checking 

Features include:

  • First Option Club Benefits
  • Flat Fee of $10.00 per month
  • Free First Option
  • Free E Statement
  • Free FFB Online
  • Free Power Pay with unlimited bills
  • Free ATMs Worldwide
  • Overdraft options available 
  • Free Mobile Banking (with SMS text messaging ability) 
  • Bank-to-Bank transfers
  • Free Visa Debit Card and mini (up to 5 checking and 5 savings accounts on 1 card)
  • Unlimited use of Direct Line 24 telephone banking at no charge
  • 1/4% discount on consumer loans with automatic debit
  • Direct deposit
  • Automatic transfers
  • Direct deposit Certificate of Deposit interest
  • Direct ACH debit of bills by third parties available at no charge
Maximizer Checking More›› $100

$1,500

*Monthly fee is also waived if $10,000 in other related deposit accounts

Yes Free Yes Download

Maximizer Checking

Maximizer Checking is recommended for individuals, sole proprietorships and non-profit organizations who want the convenience of a checking account in an investment account. Maximizer Checking includes:

  • Free ATMs Worldwide
  • Interest at the Prevailing Market Rate   
  • Free Mobile Banking
  • Free eStatements
  • Free Financial Plan
  • Free Trust consultation 
  • 1/4% discount on consumer loans with automatic debit
  • Direct Deposit
  • Unlimited Customer Service Assistance
  • Overdraft options available  
  • Automatic Transfers
  • Insurance
  • Investment Services
Varsity Checking More›› $50 None Yes Free No Download

Varsity Checking

Varsity Checking is for students 14-21 and is designed to teach students to save.  A Varsity Savings account with a $300 minimum balance and Ready Reserve as well as Pocket Your Change are required with this product.  Varsity Checking includes:

  • Free ATMs Worldwide
  • Unlimited Transactions
  • Free eStatements 
  • Free Online banking
  • Free PowerPay 
  • Free Mobile Banking
Money Market Account More›› $100 $2,500 No (Limited Withdrawals) Free Yes Download

Money Market Account

A Money Market Account is available for individuals who want higher interest rates, but still have access to investment capital. A Money Market Account includes:

  • Free ATMs Worldwide
  • Free FFB Online
  • Free PowerPay with unlimited bills  
  • Free Mobile Banking (with SMS text messaging ability) 
  • Free eStatements  
  • Overdraft options available
  • Bank-to-bank transfers
  • Free Visa Debit Card (up to 5 checking and 5 savings accounts on 1 card)
  • Unlimited use of Direct Line 24 telephone banking at no charge
  • 1/4% discount on consumer loans with automatic debit