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Business Checking Accounts at a Glance

Business Checking
New Product Name Everyday Business Checking Advanced Business Checking Analyzed Business Checking
Designed For Small businesses that have low monthly transaction volume (<50) Businesses with moderate monthly transaction volume (51-200) Businesses with higher transaction volume (>200) or that use Cash Management services. Can maintain a higher balance to offset fees.
Minimum Finding Deposit $100.00 $100.00 $100.00
Monthly Maintenance Fee $5.00. Waived with:
  • $500.00 min. daily balance or eStatements
$10.00. Waived with:
  • $2,000.00 min. daily balance or
  • $5,000.00 avg. daily balance
$10.00. May be offset by Earnings Credit
Transaction Charges First 50 transactions per statement cycle free. Transactions are deposits, check withdrawals and deposited items. >50 $0.25 for deposits and withdrawals, $0.10 per deposited items. Unlimited POS & ACH transactions. First 200 transactions per statement cycle free. Transactions are deposits, check withdrawals and deposited items.  >200 $0.25 for deposits and withdrawals, $0.10 per deposited items. Unlimited POS & ACH transactions No transaction limitations. Monthly account analysis determines usage fees.
Interest Bearing No No No. Earnings Credit used to offset monthly service charges.
Business Online Banking Basic, $15.00/month. Wires are per transfer, ACH set up & fees determined by volume. Basic, $15.00/month. Wires are per transfer, ACH set up & determined by volume. Basic, $15.00/month. Wires are per transfer, ACH set up & fees determined by volume.
Statement Delivery Paper statements free with no check images. eStatements free with check images. Paper statements free with no check images. eStatements free with check images. Paper statements free with no check images. eStatements free with check images.
Business Mobile Banking Free with Business Online Banking Free with Business Online Banking Free with Business Online Banking
Additional Account Features Free monthly account analysis provided Free monthly account analysis provided
  • Monthly service fees can be offset by earned credit 
  • First 3 months of fees waived
  • Free monthly account analysis statement provided.
 

Complementary with all First Federal Business Accounts

  • Debit Card with UChoose Rewards®
  • Bill Pay
  • Employees of businesses able to cash payroll at FF for free
  • Business Savings Account
  • May open consumer online banking if no need for Cash Management
  • Night Drop/Merchant Drop

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  • First Federal Savings and Loan
    Routing # 325170848
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