Personal Checking
WePayU Checking
We reward your relationship.
Basic Checking
Just the basics
WePayU Checking
Empowering our customers and community is the very reason we exist. The WePayU checking account empowers your financial growth by offering a 2.02% Annual Percentage Yield (APY) on your checking account balance, just by meeting a few simple requirements*. We are committed to helping you thrive, because your success makes our community strong.
Account Name
Minimum Deposit To Open
Minimum Balance^
Interest Rate+
Annual Percentage Yield+
WePayU
$25
$1 - $9,999.99
2.00%
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.
Overdraft Protection
Just one way First Federal takes care of our family by providing overdraft protection for the occasional insufficient funds error.
Online Bill Pay
Pay your bills from the comfort of your desktop or mobile device.
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Apple Pay and Samsung Pay
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High Interest on your checking account*
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ATM fee refunds**
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A debit card with no annual fee- Use your card any place MasterCard is accepted with no annual fees and no minimum balances.
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Overdraft protection service
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Online Bill Pay
*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. The WePayU service charge is $12 per month. First Federal will waive the monthly service charge 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.
**ATM Fees: When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or any network used, and you may be charged a surcharge fee for a balance inquiry even if you do not complete a fund transfer. ATM Fee Refunds: As of October 1, 2024, First Federal will refund all ATM fees incurred by our customers. When your account is charged an ATM surcharge fee, First Federal will refund the ATM surcharge fee at the end of the business day. Limited to ATMs located in the U.S. ATM Access After 12-31-24: You may access your ATM Card through the following network(s): Accel® and Plus®. You may access your Debit Card through the following network(s): Accel®, Plus®, and MasterCard®.
Basic Checking
At First Federal Savings, we want you to start strong—and that might mean starting with the basics. Our Basic Checking Account offers a reliable foundation for your everyday banking, including 24/7 access to online banking and our mobile app, a no-fee debit card, and overdraft protection services.
Account Name
Minimum Deposit To Open
Minimum Balance^
Interest Rate+
Annual Percentage Yield+
Basic Checking
$0
Non-Interest Bearing
Non-Interest Bearing
Non-Interest Bearing
^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.
Overdraft Protection Service
Just one way First Federal takes care of our family by providing overdraft protection for the occasional insufficient funds error.
Online Bill Pay
Online bill pay is a safe and secure way to pay bills while saving on postage.
-
Apple Pay and Samsung Pay
-
ATM fee refunds**
-
A debit card with no annual fee- Use your card any place MasterCard is accepted with no annual fees and no minimum balances.
The Basic Checking service charge is $8/month. This monthly fee will be waived when you meet any of the following: Maintain a $100 minimum balance in this account. One or more direct deposits in this account each statement cycle. Are under 25 years of age. **ATM Fees: When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or any network used, and you may be charged a surcharge fee for a balance inquiry even if you do not complete a fund transfer. ATM Fee Refunds: As of October 1, 2024, First Federal will refund all ATM fees incurred by our customers. When your account is charged an ATM surcharge fee, First Federal will refund the ATM surcharge fee at the end of the business day. Limited to ATMs located in the U.S. ATM Access After 12-31-24: You may access your ATM Card through the following network(s): Accel® and Plus®. You may access your Debit Card through the following network(s): Accel®, Plus®, and MasterCard®.
Community Engagement
You help us make an impact.
We want to see every member of our community thrive. That commitment isn’t just about our customers, it’s about every person in our neighborhoods, towns, cities, and all across Licking County. Every year, our employees give their time to make a difference. Because that’s strong. Like you.