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Personal Checking

Personal Banking

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Account TypeXTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Best If You Want

XTRA
Checking
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An account that actually pays you

XTRA Plus Checking and XTRA Savings
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Allows you to save additional interest

Relationship Advantage Checking
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Interest on your account and relationship benefits

First Choice
Checking
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Simple, straightforward checking solution

Performance
Checking
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Perfect if you do not want to maintain a minimum balance

Performance Senior Checking
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Designed specifically for ages 62 and up

Account Type


Monthly Service Charge

XTRA
Checking
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$0

XTRA Plus Checking and XTRA Savings
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$0

Relationship Advantage Checking
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$20 plus 35¢ per transaction fee1

First Choice
Checking
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$82

Performance
Checking
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$8

Performance Senior Checking
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$0

Account Type


Minimum Opening Deposit

XTRA
Checking
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$50

XTRA Plus Checking and XTRA Savings
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$50

Relationship Advantage Checking
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$50

First Choice
Checking
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$50

Performance
Checking
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$50

Performance Senior Checking
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$50

Account Type


Visa® Debit Card

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Digital Banking (personal online banking)

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Bill Pay (available through personal online banking)

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Mobile Banking and Alerts

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Telephone Banking

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


eStatements

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Direct Deposits

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Account Earns Interest

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Overdraft Protection

XTRA
Checking
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XTRA Plus Checking and XTRA Savings
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Relationship Advantage Checking
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First Choice
Checking
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Performance
Checking
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Performance Senior Checking
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Account Type


Additional Information

XTRA
Checking
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10 debit card purchases, 1 automatic payment, bill pay or direct deposit, and access Online Banking each monthly statement cycle; e-statements are required; ATM fee reimbursements up to $25

XTRA Plus Checking and XTRA Savings
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An XTRA savings account is required. 10 debit card purchases, 1 automatic payment, bill pay or direct deposit, and access Online Banking each monthly statement cycle; e-statements are required; ATM fee reimbursements up to $25

Relationship Advantage Checking
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Avoid service charge by having a first or second mortgage with FFB for $75,000 or more or a Home Equity Line of Credit with FFB for $15,000 or more. Free standard style checks or official checks, or reduced rate consumer loans.

First Choice
Checking
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3 check copies per monthly statement cycle at no charge

Performance
Checking
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Includes savings, travel, and security benefits. Free notary service and first order of standard checks

Performance Senior Checking
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Includes savings, travel, and security benefits. Free notary service and first order of standard checks

1Avoid the service charge by maintaining a $2,500 minimum daily balance or $10,000 in other FFB accounts
2Avoid the service charge by maintaining a $500 average daily balance or by signing up for e-statements

Account openings and credit are subject to Bank approval. Data rates apply. Nonsufficient fund fees of $37.00 per debit item may apply if you withdraw more funds than are available in your account. We may change the interest rate on your account at any time and without prior notice after the account is opened. If you close your account before interest is credited, you will not receive the accrued interest. If the account is closed within the first six months an early close fee will be assessed.