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Checking

An account to meet every need

Find the right account for you

Save time and energy with an account that works harder so you can focus on what really matters. Banking with First Federal Savings of Lorain means having a checking account with the flexibility and convenience you need. Please explore our various options to discover the account that is right for you.

Have Questions? Need Help?
Contact us or stop in to your local First Federal Savings of Lorain branch for assistance.

Account Minimum Deposit to Open Monthly Service Fee or Balance Requirement  Unlimited Check Writing  Interest Earning

My Free Checking

$25.00 N/A Yes No

Now Checking

$100.00 $500.00 min balance  Yes   Yes 

Insured Money Market Fund

$100.00 $2500.00 min balance No Yes
Commercial Checking  $50.00  $5 monthly fee  No Yes
1st Classic Advantage  $100.00  $10 monthly fee   Yes Yes*

* Conditions may apply.
The interest rate and Annual Percentage Yield (APY) on checking accounts may change at any time and at our discretion. Fees could reduce the earnings on checking accounts. Effective on 6/27/2016

 

Our FREE Checking account is the perfect choice for individuals and families who want a simple, worry-free checking account with NO monthly service charges, NO minimum balance requirements and UNLIMITED check writing privileges.

  • Only $25 to open. Account does not earn interest
  • No minimum monthly balance required
  • No monthly service charge
  • Unlimited check writing 
  • Free Debit/ATM card 
  • Free online banking 
  • Free online bill pay
  • Free 24hr TouchTel
  • Free Switch Kit
  • Free domestic debit card transactions (An ISA (International Service Assessment) fee may be assessed on international transactions)
  • Access to over 14,000 ATM locations nationwide
  • Other banks' ATM fees may apply
  • Overdraft Protection is available
  • Overdraft Privilege is available to those who qualify

Our NOW Checking account allows you to enjoy UNLIMITED check writing privileges and earn a competitive interest rate on your entire balance. 

  • Minimum balance to open account and earn interest is $100
  • Earn a competitive interest rate on entire balance 
  • $500 Minimum balance required to avoid monthly service fee
  • Images of cleared items available
  • Unlimited check writing
  • Free Debit/ATM card  
  • Free online banking
  • Free online bill pay   
  • Free 24hr TouchTel
  • Free Switch Kit
  • Free domestic debit card transactions (An ISA (International Service Assessment) fee may be assessed on international transactions)
  • Access to over 14,000 ATM locations nationwide
  • Other bank’s ATM fees may apply
  • Overdraft Protection is available

Our Insured Money Market Fund pays a higher interest rate on balances over $2,500.

  • Minimum balance to open account and earn interest is $100
  • Earn a competitive interest rate on balances over $100 
  • Higher interest rate paid on balances of $2500 or more   
  • Minimum balance of $2500 is required to avoid monthly service fee
  • No per-check charge
  • Free online banking
  • Free 24hr TouchTel

We appreciate the value of the small incorporated business owners in our local communities. That’s why we have designed an efficient and economical checking program just for them.

  • Minimum balance to open is $50
  • Monthly service fee of $5
  • Per check fee for checks cleared and deposited
  • Generous earnings credit applied to offset fees
  • Two free night drop bags with keys
  • Free Debit/ATM card
  • Free online banking
  • Free online bill pay
  • Free 24hr TouchTel
  • Free Switch Kit
  • Free domestic debit card transactions (An ISA (International Service Assessment) fee may be assessed on international transactions)
  • Access to over 14,000 ATM locations nationwide
  • Other banks' ATM fees may apply
  • Overdraft Protection is available

This is an exclusive account to fulfill the needs of our customers 50 and over.

  • $100 minimum balance to open 
  • $250 minimum balance to earn interest
  • $10 monthly service charge waived with
    EITHER:
        * Direct deposit (into 1st classic advantage)
                                    or
        * $10,000 aggregated daily account balance per statement cycle, in any combination of CD's,
          Savings or Checking accounts.

        Customer has 60 calendar days to setup Direct Deposit ( minimum amount of $250); during
        this time no monthly service charge will be assessed.

  • Earn a higher interest rate with E-Statements
  • Free box of checks per year 
  • Free small or medium Safe Deposit Box for the first year (subject to availability)
        *50% off annual rent after the first year, while the 1st Classic Advantage checking account is opened. One discounted safe deposit box per account. 
       
        Additional Benefits
  • Overdraft privilege is available ( if eligible) $800 limit 
  • No IRA maintenance fees
  • Free Financial Review with First Federal Financial Advisor 
  • Unlimited transactions 
  • Unlimited check writing 
  • Free Visa check mate card 
  • Free domestic debit card transactions (An ISA (International Service Assessment) fee may be assessed on international transactions)
  • Free online banking 
  • Free online bill pay 
  • Free mobile banking 
  • Free 24 hour Touch Tel
  • Free Notary 
  • No coin machine fee
  • Access to over 14,000 ATM locations nationwide 
  • Other banks' ATM fees may apply
  • 1-2-3 Switch It Kit (This will make switching accounts and direct deposits easy!)
  • Receive a crossword/sudoku puzzle book at time of opening

Explore More

Overdraft protection

Overdraft protection

For those "oops" moments.

Savings

Savings

Smart, simple ways to reach your goals.

Moneypass ATMs

Moneypass ATMs

Surcharge-free ATMs wherever you go.