Checking

Personal Checking

• Personal Checking
• NOW Checking
• Ultra Money Market Account

Sole Ownership Business/Not for Profit Checking

• NOW Checking
• Community Partnership

Business Checking

• Business Checking
• Business Money Market Account:

Second Federal Savings has a variety of personal and business checking accounts to serve your financial needs. All checking accounts include:

Free electronic banking

First order of checks at no charge for personal accounts

Monthly statements with check images

Free ATM and/or MasterCard debit card

Free access to all Second Federal – owned ATMs

3 free ATM transactions per month at non-proprietary ATMs

Free direct deposit

Personal Accounts

Personal Checking

Write an unlimited number of checks with no need to maintain a minimum balance in the account.

• $100 minimum to open
• No monthly minimum balance or service charge
• Unlimited check writing
• Non-interest bearing

Personal NOW Checking

Write an unlimited number of checks and earn interest! Remember, sign up for direct deposit and the minimum balance service charge is waived!

• $500 minimum to open
• No monthly service charge if balance remains over $1,000 or if direct deposit is received in the account; otherwise $5 monthly service charge
• Unlimited check writing
• Higher interest for higher balances

Ultra Money Market

Looking to earn a higher rate of interest without committing to a term? Check out our Ultra Money Market Account!

• $2500 minimum to open
• No monthly service charge if balance remains over $2,500; otherwise $10 monthly service charge
• Limited check writing and electronic activity
• Higher interest for higher balances

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Sole Ownership/Not for Profit Accounts

Sole Ownership NOW Checking

Currently have a sole-ownership business? Looking to earn interest on your money while maintaining access to the funds with unlimited check-writing?

• $500 minimum to open
• No monthly service charge if balance remains over $1,000 or if direct deposit is received in the account; otherwise $5 monthly service charge
• Unlimited check writing
• Higher interest for higher balances

Community Partnership Checking – for Not-for-Profit Organizations

Participating in a church, federation, not-for-profit organization or club? Talk to us about opening an account for the organization and how participating members can earn your organizations donations directly to your account!

• $250.00 minimum to open
• No monthly minimum balance or service charge
• Unlimited check writing
• No-interest bearing
• Contact us for details on eligible donations

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Business Accounts

Business Checking

For profit businesses such as corporations can often use an account that requires no minimum balance and plenty of other features.

• $100 minimum to open
• No monthly minimum balance or service charge
• Unlimited check writing
• Non-interest bearing

Business Money Market

Your business looking for a vehicle where interest can be earned, yet funds are tied up for a specified term and you don’t need to write more than 3 checks per month?

• $2,500 minimum to open
• No monthly service charge if balance remains $10,000 or more; otherwise $20 monthly service fee
• Limited check writing and electronic activity
• Unlimited in-person deposits and withdrawals
• Higher interest for higher balances