BASIC Checking

Designed for consumers desiring a low cost, low balance account.

• Minimum opening balance of only $100.
• Your first order of 200 “Exclusively Yours” checks are free when you open a Basic checking account.
• No monthly service fee will apply if the balance is over $100; accounts with a balance below that minimum will be charged $7.50 monthly.
• Check writing is unlimited.
• Sign up for Internet Banking/Bill Pay – Take care of all your banking needs anytime you want; from anywhere you have Internet access. See your account balances and history of recent transactions, transfer funds and pay bills, all from the comfort of your home or office computer.
• Apply for an ATM or VISA Debit card and enjoy 24-hour access to your account at our ATM machines. Make withdrawals, transfers, balance inquiries and pay for purchases at thousands of ATM /Point of Sale locations nationwide.
• Overdraft protection. Link your checking account to your First Shore Federal savings or money market account.

NOW Account

Our most popular checking account.

• Minimum opening balance of only $100.
• Your first order of 200 “Exclusively Yours” checks are free when you open a NOW checking account.
• Maintain an average monthly balance of $1,000 in this account or in any one of our savings, money market, or certificate of deposit products or when your loan balance exceeds $10,000 and avoid the monthly service fee of $5.
• Earn interest when your balance exceeds $1,000. Interest will be compounded and credited monthly.
• Sign up for Internet Banking/Bill Pay – Take care of all your banking needs anytime you want; from anywhere you have Internet access. See your account balances and history of recent transactions, transfer funds and pay bills, all from the comfort of your home or office computer.
• Apply for an ATM or VISA Debit card and enjoy 24-hour access to your account at our ATM machines. Make withdrawals, transfers, balance inquiries and pay for purchases at thousands of ATM /Point of Sale locations nationwide.
• Overdraft protection. Link your checking account to your First Shore Federal savings or money market account.
• As with all of our checking accounts, check writing is unlimited.

SUPER NOW Account

This account is ideal for those who want all the benefits of our NOW account and be rewarded with a higher interest rate.

• Minimum opening balance of $500.
• Your first order of 200 “Exclusively Yours” checks are free when you open a Super NOW checking account.
• Earn a higher interest rate when your average balance is more than $2,500. Interest will be compounded and credited monthly.
• Simply maintain an average monthly balance of $1,000 in this account or in any one of our savings, money market, or certificate of deposit products or when your loan balance exceeds $10,000 and avoid the monthly service fee of $7.50.
• Sign up for Internet Banking/Bill Pay – Take care of all your banking needs anytime you want; from anywhere you have Internet access. See your account balances and history of recent transactions, transfer funds and pay bills, all from the comfort of your home or office computer.
• Apply for an ATM or VISA Debit card and enjoy 24-hour access to your account at our ATM machines. Make withdrawals, transfers, balance inquiries and pay for purchases at thousands of ATM /Point of Sale locations nationwide.
• Overdraft protection. Link your checking account to your First Shore Federal savings or money market account.
• As with all of our checking accounts, check writing is unlimited.

BUSINESS Checking

Designed with the small businessperson in mind.

• Minimum opening balance of $500.
• Maintain an average monthly balance of $1,000 in this account or maintain $5,000 in any one of our savings, money market, or certificate of deposit products and avoid the monthly service fee of $7.50.
• Unlimited check writing.

Minimum balance requirements are waived for qualified non-profit organizations on the above-mentioned checking accounts.

We will accept deposits from residents of the Eastern Shore of Maryland, Virginia and lower Delaware. Please visit one of our eight offices 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.