Palm trees in the Florida sun.

Welcome CBC FAQ

We're pleased to meet you.

Learn more about the partnership of First Federal Bank and CBC National Bank.

We’re pleased to welcome CBC National Bank to the First Federal family! Our 55-year-old institution was founded on hometown values and a commitment to serving our customers and communities. Currently, we are a community-based mutual bank that serves customers from branch locations and loan offices across North Florida, from Florida’s First Coast to the Panhandle. We are excited about the opportunity to partner with CBC and expand our presence in Florida, Georgia, South Carolina, and other states. Take a look at this page for answers to frequently asked questions about the transition.
Continue to bank just as you usually do. At this point, you can still use your CBC accounts, checks, debit cards, deposit slips, and online banking logins. Automatic drafts and direct deposits will still work properly.
We are now one organization, however we are still working to combine systems, processes, and products and services. Our goal is to convert our core systems on August 24, 2018. You will receive more detail about this conversion this summer.
No, CBC loan and account numbers will not change after conversion, except for a small handful of deposit accounts. The affected customers will be notified individually by the end of May.
You will be able to order checks and log in to First Federal's Online Banking and Mobile Banking on August 27, 2018.
Yes, continue using your CBC debit cards and credit cards for now. Most CBC debit cards will continue to work before and after conversion. Customers with ATM or HSA debit cards will receive new First Federal debit cards in early August. We will be issuing First Federal debit cards a few weeks before conversion. Credit cards will remain the same, unless you want to change to a First Federal credit card.
Continue to make your loan or mortgage payments the same way you have in the past. You will receive further instructions this summer.
Until our systems are converted in August, please continue to use your same CBC branch. First Federal branches will be unable to access your account information until then.
Beginning Monday, August 27, please use the new routing number, 263184488, when initiating wire transfers to your accounts at First Federal.
Your CD rate is fixed for the term of your CD. Notice will be provided as your CD approaches maturity with instructions on how to get the renewal rate. Money Market rates may change based on current market pricing at the time of conversion. In most cases, rates have increased. 
Transaction sent to your account with the CBC Routing Number will continue to be received and posted after conversion. First Federal will send a Notice of Change to the sender to change the Routing Number for future transactions.