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.

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