## Binge easier. ## WePayU Checking WePayU Checking from First Federal Savings lets you earn a 2.02% APY just by meeting a few simple requirements\*. You can use that interest to pay for things like your favorite streaming service. You'll also enjoy a variety of benefits, local deals, and discounts at some of your favorite places to shop and eat. [Open Your Account](https://open.myvirtualbranch.com/COCC/1160/Application) CHECKING WePayU Checking + FirstFed Perks Investment in our customers and community isn’t just a catch phrase at First Federal, but the very reason we exist. The WePayU with First Fed Perks checking account actually helps you grow financially by offering a variety of benefits, local discounts, and a 2.02% Annual Percentage Yield (APY) on your checking account balance, just by meeting a few simple requirements\*. Helping grow the future for our customers is at the foundation of our most basic products at First Federal. We are committed to ensuring you and your family thrive. Account Name Minimum Deposit To Open Minimum Balance^ Interest Rate+ Annual Percentage Yield+ Account NameWePayU Minimum Deposit To Open$25 Minimum Balance^$1 - $9,999.99 Interest Rate+2.00% Annual Percentage Yield+2.02%\* ^Minimum daily balance to obtain APY (the amount of principal in the account each day). ## Key Features ### Online + Mobile banking Make deposits, check balances, transfer money, and pay bills from your mobile phone or online. ### ID theft aid Includes payment card fraud resolution, $2500 in personal identity theft benefit and identity restoration.\*\*\* ### FirstFed Perks Powered by BaZing- Local discounts and national retailer deals to save you money on shopping, dining, travel, and more. - Apple Pay and Samsung Pay - High Interest on your checking account\* - Cell phone protection- Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.\*\*\* - $10,000 travel accidental death coverage.\*\*\* - Health Savings Card- Save money on prescriptions, eye exams, frames, and hearing services. - ATM fee reimbursement- We reimburse ATM fees nation-wide up to $20/month when bonus requirements are met. - Person-to-person quick-pay allows you to transfer money to friends or family at any banking institution directly through your First Federal online or mobile banking bill pay. - Roadside assistance- Available 24/7 and free to use, up to $80 in covered service charges up to 4 times per year. - A debit card with no annual fee- Use your card any place MasterCard is accepted with no annual fees and no minimum balances. - Overdraft protection service. Just one way First Federal takes care of our family by providing overdraft protection for the occasional insufficient funds error. **\*The interest rate on your account is based on meeting the Bonus Rate Eligibility Requirements each statement cycle.** 2.02% APY bonus rate and ATM fee credit requirements: 1)12 or more debit card transactions posted to the account each statement cycle. 2) Activating e-statement enrollment. 3) One or more direct deposits in this account each statement cycle. The 2.02% APY is paid on balances up to $9,999.99. Account balances beyond that are paid at .01% APY. ***WePayU with FirstFedPerks is only $8 per month. First Federal will waive the monthly fee when you meet any of the following: 1) Maintain a $500 average balance in your account. 2) Maintain a minimum balance of $5000 in any First Federal savings account. 3) Have a loan with us.*** Refer to your WePayU Truth In Savings Disclosure for specific information. \*\*\*Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Insurance products are: **NOT A DEPOSIT, NOT FDIC INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK.** ## Open your account ### 1 #### Grab your ID In order to open an account with First Federal you will need either a valid Drivers License or State ID. ### 2 #### Start your application Use the button below to get started. You will be redirected to the First Federal Savings Account Opening Dashboard. [Open Your Account](https://open.myvirtualbranch.com/COCC/1160/Application) ### 3 #### Welcome to the family You’re joining a team of contenders who unite forces to roll up our sleeves and make things happen. [Open Your Account](https://open.myvirtualbranch.com/COCC/1160/Application)