Checking Accounts

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All Personal Checking Accounts include:

»Customer Identification Requirements

Account Type Minimum Opening Balance Minimum Balance To Avoid Service Charge Unlimited Check Writing Check Card FFB Online & PowerPay Interest Bearing
Freestyle
Checking
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None None Yes Free Free No

Totally Free Checking
Totally Free Checking is recommended for those who want a free, basic account. With Totally Free Checking, you'll enjoy:

  • Free ATMs Worldwide
  • No minimum balance
  • No monthly service charges
  • 1/4% discount on consumer loans with automatic debit
  • Overdraft Options Available
  • Monthly Statement with check safekeeping
  • Direct Deposit
  • Automatic Transfers
  • Unlimited Customer Service Assistance
  • Free Mobile Banking
  • Free E Statements
Traditional Checking
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$100 $500 Yes

Free Free No

Traditional Checking
Designed for those who who want the convenience of an imaged statement and regularly maintain the minimum balance. Other features include:
   

  • Free ATMs Worldwide
  • Monthly Imaged Statement
  • 1/4% discount on consumer loans with automatic debit
  • Overdraft Options Available
  • Unlimited Customer Service Assistance
  • Free Financial Plan
  • Free Mobile Banking
  • Free E Statements

Silver Star Checking Option 1 or Option 2
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None (Option 1)
$100 (Option 2)
None (Option 1)
$750 (Option 2)
Yes Free Free No

Silver Star Checking Option 1 and Option 2
Our Silver Star Checking Accounts are reserved for those clients age 55 and up. Features include:

  • Free ATMs Worldwide
  • 1/4% discount on consumer loans with automatic debit
  • Overdraft protection available
  • Direct Deposit
  • Free Trust Consultation
  • Free Financial Plan
  • Unlimited Customer Service Assistance
  • Check Safekeeping
  • Investment Services
  • Free Mobile Banking
  • Free E Statements

Silver Star Checking Option 2 also includes these features:

  • Free ATMs Worldwide
  • Free Mobile Banking
  • Free E Statements
  • Monthly Imaged Statement
  • Free corporate checks
  • 1/2 price 3 x 5 safe deposit box (one year) for new clients
  • Free Cashier's Checks
  • 1/4% increase in rate on initial purchase of a CD

 

Maximum Investment Checking
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$100 $1,000 Yes Free Free Yes

Maximum Investment Checking
Maximum Investment Checking is recommended for individuals, sole proprietorships and non-profit organizations who want the convenience of a checking account in an investment account. Maximum Investment Checking includes:

  • Free ATMs Worldwide
  • Interest at the "Prevailing Market Rate." 
  • Free Financial Plan
  • Free Trust consultation 
  • 1/4% discount on consumer loans with automatic debit
  • Direct Deposit
  • Unlimited Customer Service Assistance
  • Overdraft options available  
  • Automatic Transfers
  • Insurance
  • Investment Services
  • Free Mobile Banking
  • Free E Statements

 

Market Rate Checking
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$100 $5,000 No
(Limited withdrawals)
Free Free Yes

Market Rate Checking
Market Rate Checking is recommended for individuals and corporations who want to earn interest at a higher rate while maintaining the convenience of keeping all their accounts at First Fidelity. Market Rate Checking includes:

  • Free ATMs Worldwide
  • Interest based on market factors
  • Monthly Imaged Statement 
  • Free Financial Plan
  • Trust Services 
  • Unlimited Customer Service Assistance
  • Insurance
  • Free Mobile Banking
  • Free E Statements
Performance Investment Account
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$15,000 $15,000 No
(Limited withdrawals)
Free Free Yes

Performance Investment Account
Performance Investment Account is available for individuals who want higher rates but still have access to their investment capital. Performance Investment Account includes:

  • Free ATMs Worldwide
  • Interest at the "Prevailing Market Rate."
  • Free Checks (Corporate Wallet)
  • Monthly Imaged Statement
  • Free Online Banking
  • Free PowerPay
  • Unlimited Customer Service Assistance
  • Unlimited use of Direct Line 24
  • Free Mobile Banking
  • Free E Statements