First Federal's completely free checking account helps you maximize your rate of return. Now you can help determine your interest rate – the higher daily balance you maintain, the greater your APY. In addition, this great option gives you a no-fee ATM/VISA debit card and access to free online banking and bill paying services.

Advantages Include: No-fee ATM/VISA Debit Card* Free online banking and bill payment Tiered earnings power based on account balance Unlimited check writing privileges Same day credit 24/7 account access No-fee overdraft protection Free checks for those customers 55 and older

Minimum Balance Interest Rate APY** Effective Date < $2,500.00 0.049% 0.050% 10/14/2008 > $2,500.00 0.300% 0.300% 10/14/2008   NOW Account Rates subject to change without notice *Subject to credit approval **Annual Percentage Yield accurate as of 10/14/2008