Online Banking

Personal Checking Accounts

Interested in opening a personal checking account? First Federal Bank of Louisiana offers an array of options, including reward checking and interest-bearing accounts, designed to fit your lifestyle. 


To make your financial life easier and more convenient, we offer:

  • FREE 24-hr account information
  • FREE eStatements
  • FREE Visa® Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE Mobile Deposit
Personal Checking Account

Smart Rewards Plus

Smart Rewards

Advantage Money Management

More Benefits & Information

  • $25 minimum opening deposit
  • Unlimited check writing
  • uChoose Rewards®
  • First order of checks free. For age 62 +, 2 free check orders per calendar year
  • Overdraft Privilege
  • Discounted official checks, outgoing domestic wires, and signature guarantee
  • Free Bill Pay
  • Foreign ATM W/D charges waived up to $15 per cycle
  • Free ID Theft Recovery Insurance
  • Eligible for extra Bonus Rewards Points
  • $25 minimum opening deposit
  • Unlimited check writing
  • uChoose Rewards®
  • Overdraft Privileges
  • Free Bill Pay
  • $2,500 minimum opening deposit
  • Must maintain a First Federal Bank checking account
  • No checks issued
  • Limited to 6 pre-authorized, automatic or electronic transfer debits per statement cycle, including sweeps; $7 charge thereafter
  • Unlimited in-person withdrawals
  • Sweep feature available

Balance to Earn Interest

Varies, based on the applicable interest rate and APY*. Tiered rates on ledger balance of:

  • $0 to $2,500;
  • $2,501 to $100,000;
  • $100,001 to $250,000;
  • $250,001 or greater

No interest paid

Varies, based on the applicable interest rate and APY*. Tiered rates on ledger balance of:

  • $0 to $2,499;
  • $2,500 to $49,999;
  • $50,000 to $99,999;
  • $100,000 to $249,999;
  • $250,000 or greater

Account Maintenance Fee (Assessed Monthly)

$9 (Refunded by meeting 2 of 6 qualifiers each cycle)

$3 (Refunded if enrolled in eStatements)


Avoid Account Maintenance Fee

Fee may be refunded by meeting 2 of the following 6 qualifiers each cycle:

  • POS transaction of 10 or more
  • Enrollment in eStatements
  • One Direct Deposit
  • Loan Relationship
  • Average Deposit Relationship of $2,500 or greater
  • Age 62+

Fee may be refunded by enrolling in eStatements

$2,500 Average Balance

* APY Annual Percentage Yield

To learn more about our personal checking accounts, stop by your nearest First Federal Bank branch location or contact us today. 

Learn More About Debit Cards Learn More About Overdraft Privilege


There’s a simple way to switch your checking account to First Federal Bank! ClickSWITCH® is the fast, secure and free way to switch your automatic payments and direct deposits – all with the click of a mouse. With ClickSWITCH®, account information is transferred instantly. It’s fully automated, convenient and takes as little as 10 minutes.

ClickSWITCH® allows you to:

  • Transfer your direct deposits
  • Switch automatic payments
  • Initiate the closure of your old accounts

Ready to get started?

uChoose Rewards®

We believe personal checking should actually be rewarding. So we’ve partnered with UChoose Rewards® to offer a program that turns everyday purchases into extraordinary rewards. Just open any First Federal Bank personal checking account, register your Visa® Debit Card and earn points, redeemable for everything from getaways to goodies at most of your favorite retailers.


  1. Open a First Federal Bank personal checking account
  2. Register your Visa® Debit Card at 
  3. Start earning points with every purchase – 1 point for each $2 for signature point of sale spending and 1 point for each $5 PIN spending – wherever you shop.

Health Savings Accounts

If you have a high-deductible health plan, come to First Federal Bank for a Health Savings Account (HSA).

  • $50 minimum opening balance
  • $2.50 Account Maintenance Charge if account falls below $500 any day of the month per statement cycle period
  • Balances below $50 will not earn interest
  • Rates are subject to change

How HSAs Work

  • Checking Account: A Health Savings Account combines your high-deductible health insurance plan with an interest-bearing, tax-favored account
  • Health Coverage Benefits: Savings can be used for any qualified medical expenses–even those not typically covered by your plans
  • Tax Benefits: Contributions to your HSA are 100% tax deductible*
  • Benefits Carry Forward: Unused savings, or earnings, can be used in future years

*Applicable to all qualified medical expenses

Check with your insurance agent, or tax preparer, for details on qualified HSA plans.

Contact Us to Learn More



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