Business Checking

Banking built for the way you do business.

Each checking account requires a $50 opening balance, and comes with an instant-issue Business Debit Card and Mobile Banking with eDeposit1.

Clover POS Systems

All-in-one systems with low, simple rates.

Learn More About Clover
Hear from people just like you that trust in First Federal Bank.

The best customers deserve the best
banking experience.

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Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
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Deonna Willis
Lake City – Mall Branch
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After 20 years with First Federal Bank, I easily leveraged our relationship to finance my new venture, Columbia Drip Bar. Their local presence, trustworthiness, and friendly service make First Federal the perfect banking partner
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Michael McKinney
I was glad to support my local bank to secure an SBA loan to open Line X in Gainesville. Staying connected to the community and contributing to the local economy’s growth is important to me
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1 Bill Pay and Mobile eDeposit: Online banking required. Must be 18-years-old or have a parent/guardian be on the account with a minor. Mobile eDeposit limit is $2,500 per day.
2 eStatements: Online banking required.
3 Text Message Alerts: Standard mobile carrier text messaging rates apply.
4 Must maintain a $1,500 daily deposit balance in this Essential Business Checking Account or $15,000 or greater in outstanding loan balances to avoid monthly service charge.
5 Must maintain a $3,000 daily deposit balance in this Enhanced Business Checking Account or $30,000 or greater in outstanding loan balances to avoid monthly service charge.
6 Community Partners: qualifying organizations can be churches and those that support schools, libraries, parks, first responders, civic clubs, kids clubs, community outreach, the arts, and other similar programs. $2.00 charge for print statements.
7 Interest Checking - Account will earn no interest on any day the balance falls below $5,000.
8 eStatements sent monthly at no additional charge. Online banking required. To receive a paper statement there is an additional $2.00 fee.
9 eStatements sent monthly at no additional charge. Online banking required. To receive a paper statement there is an additional $3.00 fee. 

Miscellaneous Fees