$200¹ Start Banking With More. New Customers Who Open A New Personal Enhanced Checking Account² In Branch May Be Eligible To Receive A $200 Bonus With Qualifying Direct Deposit

$200¹ Start banking with more. New customers who open a new personal Enhanced checking account² in branch may be eligible to receive a $200 bonus with qualifying direct deposit. Expect more from your bank. Make the Most of Your Debit Card. Make 20 or more debit card transactions during each statement cycle to waive the $9 service charge.³ Earn Reward Points Earn points on each eligible debit card purchase.⁴ 1) $200 Checking Bonus is available to new First Federal Bank customers who open a new personal Enhanced Checking Account through a representative at a branch or through a representative assisted channel during the promotional period ending September 30, 2026. Accounts opened through the bank's self-service online account opening process are not eligible. To qualify, customer must receive qualifying direct deposit(s) totaling at least $1,000 in a single calendar month within 60 days of account opening. Qualifying direct deposits are ACH deposits of payroll, pension, Social Security, or govemment benefits from an employer, pension administrator, or government agency. Person-to-person transfers, mobile payment transfers, remote deposits, ATM deposits, and transfers from other bank accounts do not qualify. Account must remain open, active, and in good standing for at least 90 days from account opening. Bonus will be credited within 30 days after all eligibility requirements are met. Limit one bonus per customer tax ID. Bonus may be subject to tax reporting. Offer may be subject to change at any time. 2) Enhanced Checking requires a $50 minimum opening deposit. A $9 service charge applies per monthly account cycle unless fee waiver requirements are met. 3) Fee waiver: The $9 monthly account cycle service charge will be waived for any statement cycle in which 20 or more debit card purchase transactions post to the account. This promotional fee waiver is available for new First Federal Bank customers who open a new personal Enhanced Checking account through a representative at a branch or through a representative assisted channel during the promotional period ending September 30, 2026. Accounts opened through the bank's self-service online account opening process are not eligible. Fee waiver requirements are subject to change at any time. 4) uChoose Rewards: Points may take up to 40 days to appear in your account. Cash back rewards may be subject to tax reporting. Debit cards must be registered to redeem points. For full terms and conditions, register your First Federal Bank debit/credit card or log in to your uChoose Rewards account at uchooserewards.com.