Minimum daily balance required to waive monthly service fee
$0
$100
$2,5001
$1,500
$5,000
$0
Monthly fee may also be waived with the following minimum balance in a savings or money market account
N/A
$2,000
$5,0001
$5,000
$10,0008
N/A
Monthly service fee if minimum balance not met
$0
$82
$112
$11
$17
$0
First order of 150 Corporate Image Style checks free
No
Yes
Yes
Yes
Unlimited
Unlimited
Free electronic3 transfer
between First Federal Bank
of California accounts
Yes
Yes
Yes
Yes
Yes
Yes
Free cash withdrawals
per monthly statement at
any participating ATM4
0
4
Unlimited
8
Unlimited
Unlimited
Third party
ATM surcharge
reimbursement5
No
No
Yes
No
Yes
Yes
Interest Earning
No
No
No
Yes
Yes, tiered
Yes, tiered9
Client MasterMoneyTM Debit
Card
Yes
Yes
Yes
Yes
Yes
Yes
Maximum Daily6
ATM Cash Withdrawal
$300
$500
$500
$500
$500
$500
Maximum Debit
Card Limit
$750
$1,000
$1,000
$3,000
$5,000
$1,000
Check Imaging Service
No
Yes
Yes
Yes
Yes
Yes10
Overdraft Protection
No7
Yes
Yes
Yes
Yes
Yes
Average daily balance required to waive monthly service fee.
Monthly fee waived with direct deposit, First Federal Bank of California automatic mortgage payment deductions, or for individuals age 55 or over.
No fee for transactions performed at a First Federal Bank of California ATM. Non-First Federal Bank of California ATM transactions are subject to a service charge including third party service charges.
Dollar amount depends on the ATM you use.
First Federal Bank of California will reimburse third party ATM surcharge up to $2.00 per transaction. Refunded fee will be credited to your account on the next business day after the transaction date.
Dollar amount at any terminal depends on the ATM you use.
Certain overdraft services are excluded from the Simply Free product, including sweep services and personal lines of credit.
Ultimate Checking requires a minimum balance of $5,000 in the checking account and $10,000 in a savings or money market account in order to waive the monthly service charge.
Online Bill Pay and ACH, debit or credit activity required monthly on this account.
Tiered rates contingent upon the completion of activity requirements during the prior statement period.
Check imaging available with eStatement.
All deposit accounts are FDIC-insured up to the maximum allowed by law.
