Business Savings / Certificates of Deposit

Investment Deposit Accounts

First Foundation Bank offers a wide variety of investment deposit accounts for your unique business banking requirements.

Money Market Accounts

are designed for businesses seeking to invest funds that can be transferred to other accounts when necessary. These FDIC-insured accounts earn higher interest rates as account balances increase.
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Business Private Access Money Market

Our Money Market account earns higher FDIC interest rates than traditional statement savings accounts while preserving liquidity.

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Business Ultra Access Money Market

Our Ultra Money Market account consistently pays our highest interest rate to clients using First Foundation affiliates as their primary source for financial and banking services. Ask My Private Banker how you can qualify for this account.

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Certificates of Deposit

Our certificates allow you to earn a fixed rate of return for a set period of time. They are available as investments for individuals; businesses; contributory and rollover IRAs; CESAs; Roth IRAs and SEPs.

Our liquid certificates of deposit allow you to earn a fixed rate of return for the term of the certificate and the ability to periodically withdraw funds when you need them, without an early withdrawal penalty, when conditions and terms are met.

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For more information, download our Certificate of Deposit product information sheet (PDF)

Certificate of Deposit Account Registry Service (CDARS)

Certificate of Deposit Account Registry Service (CDARS) is offered by First Foundation Bank to provide our clients with access to full FDIC insurance coverage on Certificates of Deposit investments of up to $50 million.

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Business Investment Deposit Accounts

For more information, download our Business Investment Deposit Accounts product information sheet (PDF)

Product Services Business Private Access Money Market Business Ultra Access Money Market
Target Market Business wanting to invest funds that easily can be transferred to other accounts Business seeking higher interest rates with easy access
Balance to Open $2,500 $2,500
Interest Paid4 Variable and Tiered Variable
Monthly Maintenance Fee $20 $20
Minimum Balance for Service Fee Offset $2,500 $2,500
Excess Activity Fee Fee Schedule3 Fee Schedule3
Monthly Check Writing/Withdrawl/Debit Limits Transaction Limitations1 Transactional Limitations1
Private Access Online Banking Included Included
E-Statement Delivery Included Included
Penalty for Early Withdrawal None None
Foundation Banking Services Included Included
1. Transaction Limitations - Deposits of any amount are allowed at any time. Withdrawals made in person or by our check payable to the account holder when conducted by messenger or mail are unlimited. Preauthorized transfer, electronic payments, telephone withdrawals, overdraft protection transfers, check, point-of-sale or any similar withdrawal, and Private Access Online Banking transfers, are limited by Regulation D to six per month or monthly statement period.

2. Certificates of Deposit - Subject to early withdrawal penalties and other conditions. Please see the CD disclosure for complete terms and conditions.

3. Fee Schedule - Please see Business Service Fee Schedule for comprehensive listing of all fees.

4. Interest Paid - Ask My Private Banker for current interest rate information.
 

Certificates of Deposit


Product Services Traditional CD1 Private Access Liquid CD1
Account Description Earn a fixed rate of interest for a set time period Earn a fixed rate of interest for a set period of time with flexible withdrawal privileges
Opening Balance $500 $100,000
Interest Paid4 Fixed Fixed
Withdrawals During Term No Yes5
Monthly Check, ATM Withdrawal, Debit Limits Transaction Limitations2 Transaction Limitations3
Private Access Online Banking Included Included
E-Statement Delivery Included Included
Private Access On-Call Banking Included Included
Penalty for Early Withdrawal Yes Yes
Foundation Banking Services Included Included
1. Transaction Limitations - Additional deposits of any amount are not allowed at any time.

2. Certificates of Deposit - Subject to early withdrawal penalties and other conditions. Please see Certificate of Deposit Agreement for terms and conditions.

3. Private Access Liquid CD - All withdrawls must be made in person at the Office unless we agree, at our option, to another method. Withdrawals are allowed from The Private Access Liquid CD account beginning 7 calendar days after the account is opened. There is no penalty for withdrawals when the withdrawals are spaced at least 7 days apart, and two or fewer withdrawals occur during its term and a minimum balance of $50,000 is maintained until maturity. Refer to the Certificate of Deposit Agreement for terms and conditions.

4. Interest Paid - Ask your Private Banker for current interest rate information.

5. Withdrawals During Term - Minimum withdrawal transaction amounts are the lower of $100,000 or 10% of the Liquid CD's balance.