Banking Accounts & Services
Checking Accounts
Compare Federal Morgan checking accounts designed to fit your financial life.
Most Popular
Everyday Checking
Our go-to checking account with mobile deposit, contactless debit card, and 24/7 fraud monitoring.
$325 Welcome Bonus
With qualifying direct deposits
- $25 Minimum Opening Deposit
- $10 Monthly service fee (waivable with 10 debit transactions or $500 minimum daily balance)
- Zelle® included
Interest-Bearing
Prime Checking
An interest-bearing checking account that offers relationship interest rate discounts and free non-network ATM transactions.
Earn Interest On Balance
Tiered APY on checking balances
- $25 Minimum Opening Deposit
- Waived fee with $20,000 in combined balances
- Personalized checks at no charge
No Overdraft Fees
Clear Access Banking
A simple checkless account that helps you stay on track with no overdraft or non-sufficient funds fees.
$125 Student Bonus
For eligible new student accounts
- $25 Minimum Opening Deposit
- $0 Monthly fee for primary owner ages 13-24
- Digital debit card with Apple Pay & Google Pay
Savings & Certificates of Deposit (CDs)
Grow your wealth with competitive rates and FDIC insurance security.
Way2Save® Savings
Build savings automatically with customizable automatic transfers on purchases and direct deposits.
- $25 Minimum Opening Deposit
- Save $1 every time you use your debit card
- Waived monthly fee with $300 daily balance
Special Fixed-Rate CD
Lock in a guaranteed high yield APY with fixed terms ranging from 3 months to 5 years.
- Up to 4.75% APY on 11-Month Special Term
- $5,000 Minimum Opening Deposit
- Guaranteed return backed by FDIC insurance up to $250,000