First Federal of Northern Michigan's
First Freedom Club

Why just write checks when you can write your own ticket?

Introducing the senior checking account that means more fun, more friends and more freedom.

Why settle for just any checking account, when you can experience true banking freedom? With the new First Freedom Club from First Federal, you get it all – easy access to your money, special group events, fun travel adventures, plus a host of convenient banking services. And there are no membership fees! So you can enjoy traveling with newfound friends, special community events, and still have the peace of mind knowing your money is working hard and always easily accessible. In short, you’re a member of an exclusive club who gets to enjoy fun, freedom and friends right here in your hometown.

Sign up now and you’re going places.

The First Freedom Club is packed with everything you could want from a checking account... and so much more! In fact, it’s more than a checking account – it’s an exclusive club with lots of great benefits. So what are you waiting for? Stop by your nearest First Federal branch location today and get on the road to more fun, more friends, and more freedom.

If you’re 55 or older, you’re eligible to join the First Freedom Club. Simply sign up for the First Freedom Club Checking account and you can enjoy fun special events, travel adventure, as well as take advantage of the many benefits of membership:
• Free checks
• Interest bearing
• No monthly fees^*1
• Special offers on CD rates
• Special discounts on mortgages and consumer loan rates^*2
• Free online banking
• Free bill pay
• Free ATM or debit card^*3
• Free safe deposit box^*4
• Free financial analysis of your portfolio
• 10% discount on home and auto insurance^*5
• Five (5) free money orders monthly.
• Two (2) free cashier's checks monthly.
• No fee on first $5,000 in traveler's checks per month.

*1. Must maintain a $5,000 total combined balance in either your deposit and/or loan account(s) to avoid an $8.00 monthly fee
*2. With automatic payment from a First Federal account
*3. No fees when used at an ATM owned and operated by First Federal
*4. Limited availability
*5. Discount sponsored by First Federal’s affiliate, InsuranCenter of Alpena and Auto Owner’s Insurance Company. Discount may not apply in addition to other group discounts