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Personal Checking Account

Federated Bank offers several personal checking account options.  All our checking accounts are complemented by the friendly personal service you expect from Federated Bank.

Regular Checking Account

Minimum Opening Balance $50.00
Minimum balance required to avoid service charge $200.00
Monthly Service Charge $5.00
if at any time during the statement period the balance falls below $200.00
Statement Period: Monthly

Senior Citizen’s Regular Checking Account (60 Years and Older)

Minimum Opening Balance $50.00
Service Charge None
Statement Period: Monthly

Fast and Secure Check Ordering

Ordering Checks Online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified so your transactions and account information are safe and completely confidential. Plus ordering online is simple and easy.

Ready Reserve

Advantages of Ready Reserve

Ready Reserve permits you to borrow in excess of your account balance. You simply write checks up to your established credit limit. Anytime. Anywhere. For any purpose, including cash. With this flexibility and freedom, you can be your own banker. Since you write your own loans using your regular, personal checks, you make your loans in utmost confidence. After your Ready Reserve application is approved, there is no charge for the service until you use it. This means you have the satisfaction of knowing your Ready Reserve funds are always available if and when you need them.

Ready Reserve Helps You

When you need credit, simply write a check and deposits will be automatically placed in your account to cover checks written in the exact amount needed, up to the maximum amount of your approved credit. No visit to the bank is necessary. With Ready Reserve, you can:

  • Meet emergencies requiring immediate cash.
  • Take advantage of buying opportunities.
  • Produce instant funds for vacations and other purposes, which otherwise might require separate bank loans.
  • Avoid the embarrassment and cost of accidentally overdrawing your account.
  • Maintain your minimum balance to ensure free checking service.

Ready Reserve Requires Credit Approval.