Checking Accounts

Next Generation Checking

This tiered, interest-earning checking account is the future of banking with convenient, digital online access, foreign ATM refunds, and zero monthly service charges.


  • No requirements to earn interest
  • ATM surcharges refunded up to $20 monthly
  • Free online and mobile access¹
  • No monthly service charges
  • No minimum deposit to open
  • Send your friends and family money easily and securely with Zelle®
  • Free VISA® debit card²
  • Unlimited account transfers to any First Federal Savings Bank/Home Building Savings Bank account
  • Pay bills conveniently online with free BillPay
  • Free estatements³
  • Free notary service
  • Initial check order at account opening is free with unlimited check writing4
  • Interest rates increase based on balance.  See current rates.

New Start Checking

The New Start Checking Account is for those individuals who have been reported to Chexsystems. It offers the customer a “second chance” at maintaining a checking account. After being opened for a period of one year, this account is potentially eligible to convert to another type of checking account. OOPS! is not available on New Start Checking.


  • $25 Minimum to Open
  • No minimum balance required
  • Just a $5 monthly fee on the account

1Data rates may apply.
2Replacement VISA® debit cards are subject to a replacement fee.

3Paper statement fee applies.  Refer to Common Fee Schedule for applicable fees.
4Standard checks only.



Deposit Operations Support strives to provide you with exceptional customer service.  We are available 8:00 am to 5:00 pm CST Monday through Friday (excluding bank holidays) to assist with inquiries and requests regarding these products.


Please contact us by calling 812-492-8200 or via email at

Lost/Stolen ATM Card

Please contact us Monday through Friday from 8:00 AM CST to 5:00 PM CST at (812) 492-8123, if your ATM or Visa Debit card is lost or stolen. After normal business hours, call (800) 554-8969.