Guardianship Banking

Elite Guardianship Banking Solutions









Support for guardians with secure, simplified banking

First Federal Bank’s Elite Guardianship Program provides banking services for those managing guardianship funds including Restricted Guardianship accounts and Qualified Income Trusts, alongside banking resources benefiting the individuals under their care. Our banking professionals have extensive knowledge of the unique needs of both guardians and those they support, ensuring a seamless account setup experience. The account opening process is easy and secure with our ShareFile Portal

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Tailored banking solutions for guardians with secure, simplified account management tools.

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For the Individuals
Served 

Elite Checking Account1

A secure and accessible account designed for individuals who are served by a professional guardianship or restricted depository oversight.

Flex Card Account2

This card enables guardians to transfer funds from a primary account to an individual’s Flex Card for independent spending.

Cash Management Account3

A deposit account which allows individuals to earn a 
competitive interest rate.

For Professional Guardianships 

Enhanced Business Checking Account4

This account gives you the tools you need to successfully run your organization, with up to 300 items paid or deposited, and the option to add additional services at an affordable cost. 

Additional Services

First Federal’s business services are completely customizable to your business needs and include in-house technical support. All services come with online access with permissions that can be customized by employee.







1) Elite Checking Account : $50 minimum deposit to open account. $13/month service charge applies if daily balance drops below $5,000 or Guardian does not oversee accounts with a balance over $25,000. Online Banking required for Mobile Banking and eStatements.
2) Flex Card Account: $3.00 monthly service charge. Charge waived with Elite Checking Account.
3) Cash Management Account: $50 to open. $14 monthly service charge if daily balance drops below $2,500. $10 charge per withdrawal over 6 per month.
4) Enhanced Business Checking: $50 minimum deposit to open account. Online Banking required for Mobile Banking and eStatements