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 open a new checking account online.


Evergreen Checking

For customers that want simple, hassle-free checking with low cost.
  • No Monthly Fees.
  • Free ATM/Visa® Debit Card with MoneyPass® and UChoose Rewards
  • Overdraft Protection Available
  • Online/Mobile Banking with Mobile Deposit
  • And more...

Pacific Pride Checking

For customers 50 or better that want simple, hassle-free checking while earning interest.

  • No Monthly Fees.
  • Free ATM/Visa® Debit Card with MoneyPass® and UChoose Rewards
  • Overdraft Protection Available
  • Online/Mobile Banking with Mobile Deposit
  • And more...

Northwest Rewards Checking

For customers that want rewards for their everyday purchases.
  • Free ATM/Visa® Debit Card with MoneyPass®
  • Bonus Points with UChoose® Rewards
  • Overdraft Protection Available
  • Online/Mobile Banking with Mobile Deposit
  • Reimbursement of ATM fees (up to $5.00/mo)
  • And more...

 Cascades Checking

For customers who enjoy earning competitive interest by carrying a higher balance.
  • A competitive return on your funds
  • Free ATM/Visa® Debit Card with MoneyPass® and UChoose Rewards
  • Overdraft Protection Available
  • Online/Mobile Banking with Mobile Deposit
  • And more... 

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 discretion on overdrafts, ATM and everyday 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
Click here to learn more about MoneyPass®

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.

UChoose Rewards®                                       

Introducing UChoose Rewards ® with First Federal!!                                    

First Federal is excited to now offer UChoose Rewards to our valued customers! UChoose Rewards is a loyalty rewards program that lets you earn points every time you use your First Federal Visa® Debit card and sign for your purchases. If you have a First Federal Visa® debit card, you are already enrolled. You just need to register your card by setting up your user name/password, simply click here to begin! Earning rewards is fast and easy! In fact, First Federal will give you 100 points just for registering!!

Say hello TODAY to UChoose Rewards® - an exciting rewards program based on giving you millions of redemption choices for all of your earned points. Choose from things like concert tickets, a new HDTV, a fun filled cruise, and countless other exciting options.

How it Works

  • Shop!

    With UChoose Rewards® you can shop like you normally would and watch the rewards add up. Plus, shop with participating UChoose Rewards® retailers and earn even more points!

  • Earn Points

    Simply use your First Federal Visa® Debit Card, choose credit when prompted, and you will earn 1 point per every $2 dollars spent when you shop for everyday needs and more. But that's not all - earn even MORE points when you use your card at the participating retailers listed on the UChoose website It's that easy!

  • Enjoy Your Rewards

    Watch your rewards add up! Then, redeem them for exciting options like the latest electronics, trendy clothing, airline tickets and more!

Frequently Asked Questions

What is UChoose Rewards®?

UChoose Rewards is a rewards program where you earn points for shopping and using your First Federal Debit Card. Then redeem your points for anything of your choice from a huge online rewards catalog.

How do I earn points?

You earn 1 point(s) for every $2 for each Signature Debit transaction

Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through When shopping in-store, select credit and sign for your purchases.

Where can I earn points?

You earn points everywhere your card is accepted.

When can I redeem my points?

It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your Total Points at the top of any page to see how many points you have available for redemption.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. In addition, if you have multiple debit accounts with UChoose Rewards you can link them together to earn rewards faster. Visit the Profile page to link more accounts to your program.

What can I redeem my points for?

It's your choice! You can choose from millions of options, whether it's products, travel experiences, activities, event tickets, or more! Simply visit the Redeem Points page and click on the category that suits your interests.

We keep track of all the points you earn and will help you find just what you're looking for when you're ready to redeem. We even have a Wish List that will help you track when you've earned enough to redeem a specific item.

Where can I view my point activity?

You can access the history of your point activity on the Point Details page.

What if I shopped at a participating retailer, but my points aren't showing up?

It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.

How much does it cost to participate?

There's no cost. Membership in UChoose Rewards is absolutely free for First Federal Visa Debit Card cardholders, so start shopping and earning today.

What if I have another question?

If you have other questions not answered here, you can contact UChoose Support Center at 360.417.3204 or 800.800.1577.

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

How to Balance Your Checkbook


Contest/Promotion Rules and Disclosures

eStatements - Enter to win an iPad Air



  • PO Box 351
    105 West Eighth Street
    Port Angeles, WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender