Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure . First Foundation Bank review (2026): Personal and business banking with competitive online rates Is First Foundation Bank the right fit for you? B Bob Haegele Updated Wed, July 8, 2026 at 2:29 PM PDT 5 min read Summary: First Foundation Bank (FFB) is a California-based bank that provides consumer and business banking products as well as private wealth management services. The bank was founded in 2008, though its roots date back to 1990 when it originally provided wealth management services to individuals and businesses in Orange County. Today, it operates a handful of branches in California, Florida, Hawaii, Nevada, and Texas and provides online accounts. First Foundation Bank product overview Checking accounts First Foundation Bank offers three checking account options. Personal checking: The personal checking account requires a $100 minimum opening deposit, but there's no ongoing minimum balance required. There are also no monthly fees. However, this account does not earn interest. Personal interest checking: This interest-bearing checking account also requires a minimum opening deposit of $100. It comes with a monthly fee of $20, which can be waived by maintaining a minimum daily balance of $2,500. Senior interest checking: This interest-bearing account is designed for customers age 55 and older. This account requires a minimum opening deposit of $100 to open, but there is no minimum balance required to avoid monthly fees or earn the highest rate. It also comes with free checks. First Foundation Bank reimburses ATM fees (nationwide) for checking account customers up to $20 per transaction. Savings accounts First Foundation Bank offers a variety of savings accounts tailored to meet different financial goals and preferences. Personal savings: This traditional savings account requires a minimum opening balance of $100. There is a $3 monthly maintenance fee, which can be waived by maintaining a minimum daily balance of $250 or more. Senior savings: This savings account for customers age 55 and older requires a minimum opening deposit of $100. It also charges a $3 monthly maintenance fee, which can be waived by maintaining a minimum daily balance of $250 or more. Online savings: The online savings account offers a competitive interest rate (3.75% APY as of July 2026) and has no monthly fee. It does, however, require a larger minimum opening deposit of $1,000. Money market accounts First Foundation offers personal and online money market accounts. Both accounts give you debit card and check writing access while earning a high yield on your balance. The online money market account has a 3.75% APY ($1,000 minimum deposit required), ranking it among the best money market accounts available today. Additionally, First Foundation Bank's money market accounts have no monthly maintenance fees. They also offer ATM fee reimbursements when using a debit card. Certificates of deposit (CDs) First Foundation Bank offers various CDs, including two that you can open online. CDs require a...
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