Making a difference is important to us at First Federal. We're partners with every customer, investing into the communities we serve. Our focus is on serving, and our banking products are designed to meet your real day-to-day financial needs. And with every First Federal personal checking account, you'll enjoy free Online Banking and Bill Pay, our easy-to-balance monthly statement and a no-fee Visa® Debit Card (subject to approval). Ask any First Federal representative for details.

Click here to find the best checking account for you. 

Click here to open a new checking account online.


Totally Free Checking

  • A FREE account for everyone.
  • No First Federal fees for ATM use anywhere
  • Free Online Banking and Bill Pay
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing

50+ Free Interest Checking

  • FREE for customers 50 and over.
  • Competitive interest
  • No First Federal fees for ATM use anywhere
  • Free Online Banking and Bill Pay
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing

VIP Free Interest Checking

  • Free checking with the convenience of direct deposit or any automatic payment!
  • Competitive interest
  • No First Federal fees for ATM use anywhere
  • Free Online Banking and Bill Pay
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing

 High Yield Checking

  • Earn higher interest on your higher checking balance.
  • Preferred interest rate with minimum balance of $2,500 or more
  • Competitive interest if balance falls below $2,500
  • No First Federal fees for ATM use anywhere
  • Free Online Banking and Bill Pay
  • No per check charge
  • Unlimited check writing
  • Low $8 monthly charge if minimum balance falls below $1,000

Overdraft Protection 

First Federal provides several options for overdraft protection

Our standard overdraft practices come with your account and allow us to authorize and pay overdrafts for the following types of transactions: checks and automatic bill payments. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practice.

Finally, you can have First Federal authorize and pay at our descretion on overdrafts, ATM and eveyday debit card transactions. If you are interested in this service, click here for more info. Questions? Click here for FAQ. For tips on avoiding overdraft fees click here.


Transaction/Statement Savings Account

See all your savings activities on a single monthly statement or, even better, combined with your monthly checking statement. Ask for this convenient combination.

Money Market Deposit Account

Earn competitive interest with the convenience of check writing and in-person withdrawals. Some withdrawal restrictions apply. You may check current interest rates here.

Certificates of Deposit

First Federal offers Certificates of Deposit with varying terms and fixed or variable rates. Ask about the options to fit your individual needs. Some withdrawal restrictions apply. You may check current interest rates here.

Kids Savings Club

Good savings habits start early with First Federal’s Kids Savings Club Account. Collect your allowance, birthday and holiday gift money in your piggy bank and bring it to First Federal. Then watch your savings grow. $1 minimum opening balance.

Holiday Club Account

Arrange for automatic deposits to be placed into your Holiday Club Account, and you’ll be ready for holiday shopping. You’ll receive your funds in November, just in time for holiday shopping.. Happy Holidays!


Health Savings Account (HSA)

Plan for wellness, health care and medical emergencies with a First Federal Health Savings Account.  Our HSA  lets you save for health expenses and grow unused funds for retirement. Call today and talk with us about a Health Savings Account. Visit our online HSA Service Center .

Individual Retirement Accounts

First Federal provides both Traditional and Roth IRA plans to maximize retirement savings. Earnings may grow tax-deferred and may be deductible from current income, depending on the plan you choose. We can put together plans with flexible distribution options as well as great options for accumulating IRA funds before you invest in higher yield term IRA certificates, transfer to another IRA, or as you anticipate mandatory annual IRA distributions. Consult your tax advisor and talk with us about options and details. Visit our online Retirement Central website for more account details.

Coverdell Education Savings Account

Coverdell Education Savings Accounts (ESA) were created to provide qualified investors with a flexible, tax-advantaged option for saving for qualified expenses associated with elementary, secondary or higher education. Funds contributed are considered a gift to the designated beneficiary. Assets grow tax-free and may be distributed free of penalty or federal income tax liability for qualified educational expenses such as tuition, fees, books, supplies (including computers), and, in certain circumstances, room and board. Assets can be rolled from the account of one beneficiary to an ESA of a qualified family member. Consult your tax advisor and ask a First Federal representative for details.

Additional Services

Reorder Checks

Touch Tone Teller  360-457-0464   Toll free 1-877-322-0464

Access your First Federal accounts by phone 24 hours a day, every day of the year. Transfer funds between accounts, check on balances or cleared checks, make regular loan payments, check loan balances and more.

Online Banking and Bill Pay

You’re in control 24 hours a day, 7 days a week with First Federal’s secure Online Banking and Bill Pay. Transfer funds between First Federal accounts, schedule bill payments, verify transactions and balances. And you can do it all whenever you want, from anywhere you have Internet access.

Mobile Banking/Mobile Deposit

Taking care of banking on the go has never been easier. First Federal's convenient mobile app makes it a breeze with easy-to-use interfaces and clear navigation. Download our app on your iPhone or Android phone today!

Mobile Deposit Demo

Personal FinanceWorks

First Federal is pleased to introduce a better way to organize your finances -FinanceWorks powered by Quicken. This great tool allows you to:

Manage your finances in one place
Ensure your bills are paid on time
See where you're spending your money
Know how much money you really have to spend

FinanceWorks is available now for our online banking customers. Along with all of its great features, it's easy to use! Please take a few minutes to review this information regarding FinanceWorks

Automatic Savings Plan

Ensure that you’re saving for the future with a First Federal automatic monthly transfer from your First Federal checking account to statement savings, nine month variable rate CD or VIP IRA account.

  • First Federal ATM/Visa® Check Card
  • Night Depository
  • Notary Services
  • Safe Deposit Boxes
  • Signature Guarantee (Medallion)
  • Official Checks
  • Wire Transfers
  • Online Loan Applications
  • Retirement Central

First Federal is your banking partner, working with you to make your financial life easier and more convenient. In your life and in the communities where we all live and work, we’re making a difference. Together.

Debit Cards

You get it all with the First Federal Visa Debit Card. – Convenience • Security • Rewards

Making it as easy as possible to manage your money is a top priority at First Federal. That’s why we offer you the First Federal Visa Debit Card with no monthly or annual fee, no First Federal ATM fees, plus the opportunity to earn cash back from your favorite retailers.

Carry the First Federal Visa Debit Card and enjoy:

  • Fast and secure purchases at millions of worldwide locations—even online
  • 24-hour ATM access, with no First Federal fees at any ATM*
  • Monitoring of your card activity to protect against fraudulent transactions
  • Travel Alerts To learn more or request your First Federal Visa Debit Card, stop by any branch or call the Customer Contact Center at 360-417-3204 or 800-800-1577

Activating your card / Changing your PIN
First Federal’s enhanced card service!  This is a 24 x 7 toll free system, which allows customers to activate their new, reissued or replacement cards. Just by calling 1-800-567-3451 Cardholders will now have the added convenience of the following services available:

  • Activate a card
  • Activate a card and select a new PIN
  • Activate a card and change a forgotten PIN
  • Activate a card and change a known PIN
  • Select a new PIN
  • Change a forgotten PIN
  • Change a known PIN


    It’s great to know you’re never far from money-saving MoneyPass® ATMs. They’re easy to find with our ATM Locator – at or

Wherever you live, work or travel, the MoneyPass® ATM network gives you more convenient choices for accessing your accounts – and all are surcharge-free! Just look for the MoneyPass® logo and use your First Federal ATM or debit card. Don’t have a card? Apply for one today at your local branch, and start saving at thousands of locations nationwide!  

International Debit Card Alerts - Play it safe and enjoy your trip!!
Due to increases in fraudulent debit card transactions from foreign countries, First Federal must place restrictions on the use of our debit cards outside of the United States. If you are planning to travel abroad and wish to use your debit card, please contact your local branch or our Customer Service Department at 360-417-3204 to have your card activated for foreign transactions during your travel dates.

You may also log in to Internet Banking and under the Secure Forms tab choose the International Debit Card Transactions link.

Lost or Stolen Debit Cards
Contact Customer Service immediately at 360-417-3204 or 800-800-1577 during business hours to report a lost or stolen card and request a new card. After hours please call 1-800-554-8969.

You can visit any branch location to request a temporary instant issue card to access your account until you receive your permanent card in the mail.

Debit Card Awareness Program
First Federal has a monitoring system for ATM and debit card transactions. This program can identify potentially fraudulent activity and will contact you to proactively stop the fraudulent activity. Potential fraud is triggered by many different activities such as a change of locale, change in patterns, purchases at high risk businesses or industries.

You will be contacted initially with an automated phone call and will be asked to verify recent transaction activity. To contact the monitoring system after you have been notified of potentially fraudulent transactions, call 1-800-262-2024. Or you can reach First Federal's Customer Service center at 360-417-3204 during business hours.

Protection Tips
Personal Debit Cards: To change your PIN you may visit any branch of First Federal to have your PIN number changed. If you know your current PIN and just want to change it you may use any First Federal ATM machine.

  • Business Debit Cards: To change your PIN you need to visit our Eastside Branch of First Federal to have your PIN number changed. If you know your current PIN and just want to change it you may use any First Federal ATM machine.
  • Your PIN is private; NEVER give it out
  • Monitor your account activity and contact us immediately if you identify any fraudulent transactions
  • Always cover your card and PIN. Watch for....
    • Cell phone cameras, mirrors, or other tools used to view cards and PINs
    • People watching your transactions
    • Cashiers taking your card out of sight; take it to the register yourself
    • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
  • Never respond to unsolicited emails that:
    • Ask you to verify your card or account number; such emails are not sent by legitimate business
    • Links to websites; such sites can look legitimate but may collect data or put spyware on your computer.

Customer Education

FFIEC Consumer Guidance/Account Authentication Online Banking

Unlimited FDIC Deposit Insurance Changes

Protect Your Identity

Money Talks - Banking Terms Glossary

Money Talks - The Power of Saving


  • PO Box 351
    Port Angeles WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender