Our Personal Non-Interest Checking account is a simple, dependable option designed for your everyday banking needs. Easily make deposits, withdrawals, purchases, and payments with an account that’s easy to manage and free of unnecessary fees.

• Minimum opening deposit: $10
• Minimum balance: None
• Monthly service fee: None
• Checks: Available to order
• Online/Mobile access: 24/7

Every Personal Checking account also includes a First Federal Debit Card, giving you convenient access to your funds wherever debit cards are accepted. It has the look and convenience of a credit card while deducting purchases directly from your checking account.

Our interest-bearing N.O.W. Checking (Negotiable Order of Withdrawal) account is designed for customers who want the convenience of checking with the benefit of earning interest.

• Minimum opening deposit: $500
• Maintain a daily balance of $500 the account earns interest with no monthly service fee and no per-check charges.
• If the balance falls below $500, a $5 monthly service fee applies, along with a $0.10 charge per item after the first 20 free items each month. Interest in not earned when the balance falls below the required minimum.
• Online/Mobile access: 24/7

Special considerations are available for senior citizens, nonprofit organizations, and students.
Please contact a Customer Service Representative for more details.

* N.O.W. Checking offered to eligible depositors only, under restrictions from Federal Regulation D.

Our Business Checking account is designed to meet the everyday banking needs of your business with straightforward pricing and convenient account features.

• Minimum opening deposit: $500
• Maintain a daily balance of $500 to avoid monthly service fees and per-check charges.
• If the balance falls below $500, a $5 monthly service fee applies, along with a $0.10 charge per item after the first 20 free items each month.
• Night Depository Service is available to provide a secure and convenient way to make deposits outside of regular banking hours.
• Online/Mobile access: 24/7

Every Business Checking account also includes a First Federal Debit Card, giving you convenient access to your funds wherever debit cards are accepted. It has the look and convenience of a credit card while deducting purchases directly from your checking account.

Beneficial Ownership Information (FinCEN)

Business customers may be required to report information about individuals who ultimately own or control their business. For more information, please visit the FinCEN Beneficial Ownership Information resources or contact us with any questions.

A Health Savings Account (HSA), when paired with a qualified high-deductible health plan (HDHP), can help you save money on healthcare expenses while enjoying valuable tax advantages.*

Whether you’re opening a new HSA or transferring an existing account, First Federal of Van Wert makes the process simple, secure, and local.

What is an HSA?

An HSA is a personal deposit account that allows you to set aside pre-tax dollars to pay for qualified medical expenses. Funds in your account roll over from year to year, so you can continue building savings for future healthcare needs.

Benefits of an HSA

• Lower health insurance premium costs
• Tax-free contributions and earnings*
• Tax-free withdrawals for qualified medical expenses*
• Funds roll over year after year—no “use it or lose it” rule, accumulating interest
• Keep your HSA even if you change employers or insurance providers
• Earn interest on balances of $100 or more
• No monthly service fee
• Online/Mobile access: 24/7
• Includes a First Federal HSA Debit Card for convenient access to your funds

Interest Rates

Annual Percentage Yield (APY) is accurate as of October 6, 2025, and is subject to change without notice. Fees may reduce earnings on the account. Please consult your tax advisor regarding the tax benefits and eligibility requirements for an HSA.