Checking at First Federal!checking

  • Debit Card to qualifiers
  • Free Mobile Banking (Message and Data rates may apply)
  • Free E-Statements Available
  • Free Online Banking and Bill Pay
  • No Monthly Fees with eStatements
  • No Minimum Balance
  • Only $100 Deposit to Open on most Accounts
  • Sweep Protection (Savings Account Required)
  • Personalized Debit Cards

Personal Checking Account Options

First Federal currently offers a variety of checking account products to meet your needs. For more detailed information about the accounts, please contact a New Account/Customer Service Representative at one of our convenient 6 locations in Jackson County.

First4Me Checking - Accountholder must be between 16 and 24 years of Age:

First4Me is the perfect starter checking account for students or young adults on the go!  Account features include:

  • Free Personalized Debit Card - Your Card, Your Way! (see more information below)
  • Earn 5% Annual Percentage Yield* on balances up to $500.00
  • Two $500.00 Scholarships awarded on August 1st, 2014**
  • Save on (7) Foreign ATM Transactions***
  • FREE Mobile and Online Banking (Message and Data rates may apply)
  • Minimum Balance to Open $25.00
  • 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 two $500.00 scholarships will be held August 1, 2014.  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


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Your Card Your Way