Home Owner's Association and Condo Owner's Association. Exterior photo of condominium.

Home and Condo Owner's Associations - Panama City Beach

Banking Tailored to HOAs & COAs

First Federal’s Elite HOA/COA Program enhances the collection of payments through automated processing. It also improves cash flow, establishes greater audit control, saves the time and expense of in-house processing, and securely updates your accounts receivables automatically.

Elite Lockbox Solutions

Payments processing
eDeposit with account receivable imports payments by check, credit card, and ACH
RemitWeb, secure website for imports and research

Elite HOA Cash Management Account¹

Tiered interest rates
Online banking
Minimum balance required to earn interest
Up to six transfers per month

Enhanced Business Checking²

Monthly service charge waived for Lockbox customers
Write and deposit up to 300 items
eCorp online account management services with eDeposit, ACH origination, wire origination, and positive pay.
Text and email alerts
1 Non-sufficient funds fee waived per year on request
Check images included on statement
Mobile Banking with Mobile eDeposit

Insured Cash Sweep (ICS)

An optional program to keep all your funds safe, and in one place
Earn interest while accessing FDIC insurance on large deposits

Contact us to get started today

Priscilla Hagler

Email: HaglerP@ffbf.com

Office: 850-257-0231

Cell: 850-527-5577

NMLS ID#: 775153

Send us a message

"Love this bank and have been with them for over 20 years. There's not another bank I would even consider. Would recommend this bank to anyone!"

- Barbara Creeley

1) Elite HOA CMA - This is an interest bearing account. Annual Percentage Yield (APY) is effective 9/13/2019 and is subject to change. Balance tiers are

$0.00 -$9,999: 0.01

$10,000.00 - $49,999.99: 0.16

$50,000.00 - $249,999.99: 0.53

$250,000.00 - $749,999.99: 0.74

$750,000.00 - $999,999.99: 0.87

$1,000,000.00 and up: 1.08

$50 opening deposit required. Transfers from/to another account or 3rd parties by pre-authorized, automatic, telephone transfer limited to 6 per month. $10 per transaction over 6. ATM transactions not allowed. Monthly service charge of $14, when daily balance falls below $2,500. $3 discount on monthly service charge if account is enrolled in eStatement. Account earns no interest when balance falls below $5,000. Fees may reduce earnings.

2) Enhanced Business Checking - $50 opening deposit required. Monthly service charge of $16 will be waived for Lockbox customers. eCorp services are included at no additional charge for Lockbox customers. eCorp services are still subject to eligibility. Online Banking is required for Mobile Banking and Mobile eDeposit. Standard text messaging rates apply.