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Smart Rewards Checking



Interested in opening an account with big rewards? Our Smart Rewards family of checking accounts gives you redeemable points and bonus perks!

Our Smart Rewards checking accounts get these free services and products!

  • 24-Hour Account Information
  • eStatements   
  • VISA® Debit Card   
  • Online Banking
  • Mobile Banking                    
  • Mobile Deposit                        

 Need to work on building a brighter financial future? Check out our Smart Access Checking!

Personal Checking Account

Smart Rewards Plus

Smart Rewards

Smart Access

Advantage Money Management

More Benefits & Information

  • $25 minimum opening deposit
  • Unlimited check writing
  • uChoose Rewards®
  • First order of checks free. For age 62 +, two free check orders per calendar year
  • Overdraft Privilege1
  • Discounted official checks, outgoing domestic wires, and signature guarantee
  • Free Bill Pay
  • Foreign ATM W/D charges refunded up to $15 per cycle
  • Eligible for extra Bonus Rewards Points
  • IDProtect®2†
    • Up to $10,000 in identity theft expense reimbursement3†
    • Fully managed identity theft resolution services
    • Credit File Monitoring4
    • Credit Report and Score5
    • Identity Monitoring†
    • Debit and Credit Card Registration†
    • Online Identity Theft News Center†
  • Up to $10,000 Accidental Death & Dismemberment Insurance3† (Coverage divided equally on joint accounts and reduces by 50% at age 70)
  • Cellular Telephone Protection3† (Cell phone bill must be paid through this account)
  • $25 minimum opening deposit
  • Unlimited check writing
  • uChoose Rewards®
  • Overdraft Privilege1
  • Free Bill Pay
  • $25 minimum opening deposit
  • No checks issued**
  • uChoose Rewards®
  • No NSF fees
  • No account activation, low balance, closure, or dormancy fees
  • $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

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)


$7 (Refunded with $2,500 average balance each cycle)

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
  • Direct Deposit
  • Loan Relationship
  • Deposit account relationship average balance(s) of $2,500 or greater
  • Age 62+

Fee may be refunded by enrolling in eStatements


Fee may be refunded by maintaining an average balance of $2,500 each cycle period

* APY Annual Percentage Yield

** Any paper check, draft, or payment will be returned unpaid. The payee may charge additional fees when the check is returned. This account may receive four official checks each monthly statement cycle period at no charge. Additional official checks will be subjected to standard official check fees.

† Registration/activation required

Finish Setting Up Your Smart Rewards Account

If you recently opened a Smart Rewards Checking account, finish setting it up by registering for Online and Mobile Banking, enrolling in eStatements, and signing up for UChoose Rewards®. Click below to view our New Account eBrochure.

new account set-up instructions

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

To get started, you will need the activation code your new account representative gives you. Call (800) 860-1238 for assistance setting up your ClickSWITCH® account.


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 a Smart Rewards Plus or Smart Rewards checking account, register your Visa® Debit Card and earn points, redeemable for everything from getaways to goodies at most of your favorite retailers.


  • Open a First Federal Bank Smart Rewards Plus or Smart Rewards checking account.
  • Register your Visa® Debit Card at UChooseRewards.com.
  • 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.

Extra Benefits for Smart Rewards Plus Checking

Cell Phone Protection, IDProtect®, & Accidental Death & Dismemberment Insurance

Take advantage of the great benefits included with your Smart Rewards Plus Checking account! Register by signing up or if you are already registered, sign in and get up-to-date benefit descriptions or file a claim by clicking the button below.


Read Our Terms & Conditions


  • IDProtect®2† - identity theft monitoring and resolution services for you and your joint account holder.
    • Up to $10,000 identity theft expense reimbursement3† - To cover expenses associated with restoring your identity.
    • Fully managed identity theft resolution services - Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
    • Credit File Monitoring4† - Daily credit file monitoring and automated alerts of key changes to your credit reports.
    • Credit Report and Score5† - Ability to request a single bureau report every six months or upon opening an identity theft resolution case, and a single bureau score every month.
    • Identity Monitoring† - Monitoring of over 1,000 databases.
    • Debit and Credit Card Registration†.
    • Online identity theft news center† and Valuable Phone and Web Resources.
  • Accidental Death & Dismemberment Insurance3† - Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divided equally on joint accounts and reduces by 50% at age 70)
  • Cellular Telephone Protection3† - Receive up to $400 of replacement for repair costs if your eligible cell phones are stolen or damaged. (Cell phone bill must be paid through this account)


† Registration/activation required.

1 A $28.00 Non-sufficient Funds (NSF) fee will be assessed per item. The $28.00 NSF fee is the same fee amount that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate NSF Fee or a Returned NSF Fee of $28.00. All fees and charges will be included as part of the Overdraft Privilege limit amount. Overdraft Privilege will pay overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means that cause the current balance to fall below $0.00 on your account, up to the overdraft limit. In the event the overdrawn balance is not paid within 60 days, the account will be closed and may be reported to Consumer Reporting Agencies. We reserve the right to close your account at any time. Overdrafts will not be paid if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. First Federal Bank reserves the right not to pay any transactions that overdraws your account.

2 Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered).

3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and insurance document is enclosed. Accidental Death & Dismemberment Insurance: if you wish to name a beneficiary, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder, you and your joint account holders, and family members, if applicable, are enrolled as members of the Econocheck Association, of which your financial institution is a sponsor. For more information visit SmartRewardsPlus.ClubChecking.com or 866-210-0361. Please keep a copy of this letter with your important insurance papers. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the Bank or any Bank affiliate.

4 Credit file monitoring may take several days to begin following activation.

5 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. 

Looking for High Interest or Cash Back?

If you're in the market for a high-interest checking account or need some cash back action in your life, learn about our Kasasa Cash® and Kasasa Cash Back® checking accounts below!





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