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Products and Services - Checking Accounts
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Checking Accounts

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Add the following services to your Basic, eChecking, NOW or Super NOW account:

Basic Checking

Designed for consumers desiring a low cost, low balance account

  • $100 minimum opening balance
  • First order of "Independence style" checks is free at account opening
  • No monthly maintenance service charge when the average daily balance for the cycle is $100 or more; $7.50 monthly maintenance service charge if average daily balance falls below $100
  • eStatements or Paper Statements are available
  • Unlimited check writing

eChecking

Ideal for consumers who want a VISA Debit card and free unlimited Bill Pay

  • $50 minimum opening balance
  • Free unlimited Bill Pay
  • No monthly maintenance service charge when the average daily balance for the cycle is $50 or more; $5.00 monthly maintenance service charge if average daily balance falls below $50
  • Monthly maintenance service charge waived if primary tax owner is between 18 and 22 years of age or 62 and older
  • Internet Banking with Bill Pay and eStatements are required
  • Unlimited check writing

NOW Checking

Our most popular checking account

  • $100 minimum opening balance
  • First order of "Independence style" checks is free at account opening
  • Earn interest monthly when daily balance exceeds $2,500
  • Monthly maintenance service charge of $7.50 is waived with an average daily balance of $1,000 in this account or another deposit account or with a loan balance over $10,000
  • eStatements or Paper Statements are available
  • Unlimited check writing

Super NOW Checking

Ideal for those who want to be rewarded with a higher interest rate

  • $500 minimum opening balance
  • First order of "Independence style" checks is free at account opening
  • Earn a higher interest rate when daily balance exceeds $5,000
  • Monthly maintenance service charge of $7.50 is waived with an average daily balance of $1,000 in this account or another deposit account or with a loan balance over $10,000
  • eStatements or Paper Statements are available
  • Unlimited check writing

Business Checking

Designed with the small businessperson in mind

  • $500 minimum opening balance
  • Monthly maintenance service charge of $7.50 is waived with an average daily balance of $1,000 in this account or maintain an average daily balance of $5,000 in another deposit account
  • eStatements or Paper Statements are available
  • Unlimited check writing

IOLTA Checking (Interest on Lawyer Trust Accounts)

Designed for Attorneys and Law Firms that want an interest bearing checking account for attorney client funds. First Shore Federal is approved to offer IOLTA accounts in Maryland and Delaware.

  • $100 minimum opening balance
  • Quarterly maintenance service charge of $7.50 is waived with an average daily balance over $100
  • Maryland recognizes First Shore Federal as an honor roll member
  • eStatements or Paper Statements are available
  • Unlimited check writing

When opening a business deposit or loan account, all banks are required to obtain information verifying the business as well as the individuals associated with the business.  Visit our Beneficial Owners of Legal Entities section for more information.

Maintenance Service Charge waived for qualified non-profit organizations for the NOW and Super NOW checking accounts.

We will accept deposits from residents of the Eastern Shore of Maryland, Virginia's Eastern Shore and lower Delaware. Please visit any of our branch locations to open an account.

If you would like to receive additional information about these accounts or any services offered at First Shore Federal, please write to us at: PO Box 4248, Salisbury MD 21803-4248 or send us an email.

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First Shore Federal | 106 S. Division St., Salisbury MD 21801 | 410-546-1101
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