First Federal Savings & Loan Association of Central Illinois S.B.

Checking Accounts

What We Offer

All checking accounts come with free MasterCard ATM/debit cards. Access to online banking and our mobile banking app is free if you opt in for eStatements.


Account Type Account Options Cost to Open
Rewards Checking

Our highest checking interest rate and ATM refunds

  • No minimum balance
  • No monthly service charge
  • Earns interest when balance is $500 or more
  • Earns rewards interest rate on qualifying balances up to $25,000 *
  • Up to $20 in ATM fee refunds per month for qualifying accounts *

$500

to open

Free Checking with Interest

An interest bearing account with no monthly service charge – the perfect combination!

  • No minimum balance
  • No monthly service charge
  • Earns interest when balance is $500 or more

$500

to open

Free Checking

The checking account for everyone – only $100 required to open

  • No minimum balance
  • No monthly service charge

$100

to open

Senior Checking

Exclusively designed for our customers 55 years of age or older

  • No minimum balance
  • No monthly service charge
  • Free basic checks!

$100

to open

* The rewards rate is paid on qualifying balances up to $25,000. Balances over this amount will earn the base rate. In order the qualify for the rewards interest rate and ATM fee refunds, you must log into online banking at least once per statement cycle, opt in for electronic statement delivery, have at least one ACH deposit post to your account during the statement cycle, and have at least 15 debit card transactions clear and post to your account during the statement cycle.


First Federal Savings & Loan Association of Central Illinois S.B.