Switching Banks is Now as Easy as 1,2,3...checking

Changing banks is a big decision and could be a real challenge.  That's why First Federal designed a SwitchKit to help you every step of the way.  With our new SwitchKit, you can make the move to First Federal in the same time it takes you to enjoy coffee with a friend or check up on social media.  The SwitchKit allows you to streamline the account opening process by completing most of the paperwork at your convenience.  Once it's completed, stop by a branch of First Federal and one of our friendly representatives will be happy to assist you with the final steps to a brighter future with better checking.  For more information about the accounts we offer, please feel free to contact a New Account/Customer Service Representative at one of our convenient 6 locations in Jackson County.

Which account is best for you?  Do you want a simple account for paying bills or do you want to earn a little interest along the way?  First Federal offers a variety of checking account products that were designed to meet your financial needs. Whether it's your first checking account or you're wanting to change banks, we have the perfect account for you. 

Legacy Checking* - Brighter Future, Better Checking

Legacy Checking is the perfect account for those wanting a little more out of checking.  Legacy Checking offers benefits that go beyond your basic free checking.  Open a new Legacy account  beginning November 2nd and receive a free gift while supplies last!

  • Earn 6.00% APY** on balances up to $600.00
  • Free Personalized Debit Card (see below)
  • Save on (7) Foreign ATM Transactions
  • Free Debit Card Fraud Protection
  • Free Coupon to Waive One Overdraft Fee
  • Free Checks
  • Free Mobile and Online Banking 

* This new account requires customers to have a payroll or government benefits direct deposit to avoid a $8.00 per month maintenance fee. **If your daily balance is $600.00 or less, the annual percentage yield will be 6.00%.  No interest is paid on account balances in excess of $600.00.  Rates subject to change without notice.  Minimum balance to open account is $25.00.  The annual percentage yield is accurate as of 11/2/2015.  Fees may reduce the earnings on the account.  ***Up to seven foreign ATM charges will be waived up to a maximum total of $14.00 per month.  A foreign ATM charge imposed by other financial entitles may be incurred when you use an ATM not owned by First Federal.  ****You will receive one coupon at account opening to waive one overdraft fee.  Coupon must be presented for credit.  Coupon expires one year from account opening date.  *****Third party message/data rates may apply. 

First4Me Checking - Perfect for Students and Young Adults

First4Me is the perfect starter checking account for students or young adults on the go! Accountholder must be between the age of 16-24. Account features include:

  • Earn 5.00% APY* on balances up to $500.00
  • $500.00 Scholarship awarded on August 1st, 2016**
  • Free Personalized Debit Card (see below)
  • Save on (7) Foreign ATM Transactions***
  • FREE Mobile and Online Banking (Message and Data rates may apply)
  • FREE Popmoney! (read below)

*If your daily balance is $500.00 or less, the APY will be 5.00%.  No interest is paid for funds in excess of $500.00.  Rates Subject to change without notice.  The APY is accurate as of 3/1/14.  Fees may reduce the earnings on the account.  **Drawing for a $500.00 scholarship or grand prize will be held August 1, 2016.  If you are not an accountholder, you can enter to win by visiting a branch and submitting an entry form.  ***Up to seven foreign ATM charges will be waived up to a maximum of $2.00 each and a maximum total of $14.00 per month.  

First FREE Checking

  • Minimum $100.00 to Open Account
  • Unlimited Check Writing
  • Free Debit Card
  • Free Mobile and Online Banking (Message and Data rates may apply)
  • Free Billpay
  • Free eStatements - $3.00 per month for paper statements

First Plus, First Premium and First With Us Checking

All three checking accounts offer interest bearing options to fit  your needs.  Please refer to the RATES page under Products and Services Tab to check out the rates and minimum balances for each account. 



Flash Content

Your Card, Your Way - Personalize your debit card to show off your style with your favorite vacation, pet, friends or family every time you make a purchase.  Just upload your favorite picture and use it as the background on your card.  Login to Online Banking, click the blue "Your Card, Your Way" tab to order your card today!  Certain fees may apply.  Click here to learn more details (FAQ).

Contact a First Federal representative today for more information! Click here for a downloadable new account form. Forms require Adobe Acrobat Reader (free download) installed on your computer. Print, fill it out and mail it to: c/o Accounts, First Federal, P.O. Box 640, Pascagoula, MS 39568-0640... or drop it by one of six First Federal locations near you today.

Check our Rates! 

Enjoy First Federal’s Online Bill Pay Service through CheckFree. Receive and pay any bill online – no checks, no stamps. Private, secure, and protected by the CheckFree 100% guarantee. This is a free service offered to our First Federal customers.

We have a toll-free number for out of town customers: 1-800-769-5305.  You may email us at info@firstwithus.com.


Legacy Checking

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Your Card Your Way

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