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Advantage Business Checking

• Available to businesses and other non-personal accounts
• Minimum opening deposit of $100
• Earnings credit applied against account service charges
• Account Maintenance Charge of $8*
• 20¢ per check*
• 15¢ per deposit*
• 5.5¢ per item deposited*
• $1 per deposit adjustment*
• Check images and deposit ticket images provided with monthly statement
• Analysis statement available upon request
• FREE Business Check Card
  
  *Analysis charge

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Zero Balance Checking

• Available to all account holders; used as a cash control system to move funds between accounts, such as payroll.
• 20¢ per check charge*
• $25 account maintenance charge*
  
  *Analysis charge

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Community Interest Checking

• Available to not-for-profit organizations, civic, and church groups
• Minimum opening deposit of $50
• Interest earned on balance of $10 or more
• Monthly account maintenance charge of $5 if balance drops below $50
• No per check charge

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Money Market Account (MMA)

• Available to all account holders
• Minimum opening deposit of $2,500
• No account maintenance charge with $2,500 average balance. (If average balance drops below $2,500 during cycle period $7 account maintenance charge)
• NOW Interest checking account rate earned on any day balance drops below $2,500
• Unlimited withdrawals in person ($300 minimum) or at an ATM
• Debits are limited to six (6) pre-authorized or automatic transfers per statement cycle period from this account, including transfer debits through the Interactive Voice Response (IVR) System, Online Banking and automatic sweeps of funds. *$7 activity charge per item over six per cycle.
• Check images & deposit tickets provided with monthly statements (combined statement available)
• FREE Business Check Card Available
• FREE Online Banking Available

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Advantage Money Management Account

• Available to all non-personal account holders, not including Totally Free or Student Checking Accounts.
• First Federal business checking account required
• Minimum opening deposit of $2,500
• Account maintenance charge with $2,500 average balance (If average balance drops below $2,500 during cycle period $7 account maintenance charged)
• Rates tiered according to balance: $0 through $2,499; $2,500 through $24,999; $25,000 through $49,999; $50,000 through $74,999; and $75,000 or greater.  Now Interest Checking Account rate any day balance drops below $2500.
• Debits are limited to six (6) pre-authorized or automatic transfers per statement cycle period from this account, including transfer debits through the Interactive Voice Response (IVR) System, Online Banking and automatic sweeps of funds. *$7 activity charge per item over six per cycle.
• Monthly statement combined with checking account.
• Cash Management sweep of funds option available
• Unlimited sweeps from checking account
• No monthly sweep fee
• FREE Online Banking available

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**First Federal checking accounts are available only to Louisiana residents. (Some restrictions may apply.)