$200 Bonus1 for New Customers
New First Federal Bank customers who open an eligible personal checking account at our Starke branch could earn a $200 bonus1 with a qualifying direct deposit.
$250 Bonus2 for New Business Customers
New First Federal Bank customers who open a business checking account at our Starke branch could earn a $250 bonus2 with a qualifying direct deposit.
Welcome to First Federal Bank
On behalf of our entire team, I'm excited to welcome you to First Federal Bank and to our new Starke branch.
For over 60 years, First Federal has been built on a simple principle: banking is about relationships, not just transactions. Whether you're opening your first checking account, growing your business, or planning for your family's future, we're here to provide personalized service and local expertise you can trust.
Our new full-service branch at 841 S Walnut St is open Monday through Thursday, 9am - 4pm and Friday, 9am-5pm. Our experienced team is ready to help with all your banking needs, from personal and business accounts to mortgages and loans.
Stop by and say hello. We'd love to meet you.
Sincerely,
John Medina | President & CEO First Federal Bank
Meet Your Starke Team
With over 30 years of combined experience in banking and financial services, our team is dedicated to helping you achieve your financial goals. From personal accounts to business lending solutions, we bring expertise, integrity, and a commitment to personalized service.
Our team takes the time to understand your unique needs and guide you toward the right products and services. Whether you're planning for retirement, growing your business, or buying your first home, we're here to help you with every step.
Ready to get started?
Let's talk and see how First Federal Bank can provide quality and tailored banking services that are focused on you.
The team really went above and beyond to get me into this house and under the terms I was looking for. I highly recommend First Federal Bank and plan to work with them again in the future. Five stars!
Google Review
- Martin
1) $200 Checking Bonus available to new customers who reside in Bradford, Union, or Clay county and open a checking account in person at our Starke Branch by June 30, 2026; receive qualifying payroll direct deposit(s) totaling $1,000 or more in a single calendar month and must be posted to the new account within 60 days of opening and must remain active through at least 90 days from the account opening date; the account must remain open, active, and in good standing for at least 90 days; qualifying direct deposits must be ACH deposits of payroll, pension, or government benefits made by your employer, pension administrator, or government agency; person-to-person transfers, mobile payment transfers, and transfers from other bank accounts do not qualify; accounts opened Online do not qualify; bonus will be credited within 30 days after all eligibility requirements are met; only 1 bonus per customer, per tax ID; bonus may be subject to tax reporting. Eligible checking accounts include Essential Checking, which require a minimum opening deposit of $25, and Essential Seniors Checking, Enhanced, Elite, Employee Advantage, and Community Heroes Checking, which require a minimum opening deposit of $50. Account terms, monthly service charges, and balance requirements vary by account type. Elite Checking is an interest-bearing account: Daily balances of $5,000 to $49,999.99 will earn an interest rate on the entire balance of 0.01% with an annual percentage yield (APY) of 0.01%. Daily balances of $50,000 and above will earn an interest rate on the entire balance of 0.03% with an annual percentage yield (APY) of 0.03%. Contact the branch for additional rate information. Rates are accurate as of November 14, 2025, and are subject to change after account opening; fees could reduce earnings. 2) $250 Business Checking Bonus available to new customers whose business is located in Bradford, Union, or Clay county and open a new business checking account in person at our Starke branch by June 30, 2026, deposit $2,500 or more into the account within 30 days of account opening, and maintain a minimum daily collected balance of $2,500 through day 60 after account opening; bonus will be credited within 30 days after all requirements are met and is tax reportable. Accounts opened Online do not qualify. The $16 monthly service charge (assessed monthly) for Enhanced Business Checking and the analysis charges for Elite Business Checking will be waived for the first six months after account opening.