A Variety of Checking Accounts

First Foundation Bank offers a wide variety of personal banking checking accounts that meet your financial needs.

Essential Checking

An affordable checking account that offers limited checking services to individuals who have low account activity.

Enhanced Checking Packages

The checking account for individuals who desire comprehensive services in a convenient package. Some of the most valued client services provided at no additional charge are:

Unlimited No-Fee ATM Access at Any ATM
Private Access Online Banking and Bill Pay
E-Statement Delivery
Foundation Banking Services

View Comparison Chart

For more information, download our Personal Checking product information sheet (PDF)

Private Access Sweep Account

An account that automatically transfers funds between your Enhanced Checking account and cash management account. It provides clients the option of sweeping checking account balances above a threshold that you determine in advance to liquid investments that earn interest.

For more information, download our Private Access Sweep Accounts product information sheet (PDF)

Personal Checking Accounts

Product Name	Essential Checking	Enhanced Checking Package
Product Name	Essential Checking	Checking	NOW Checking Account
Account Description	Limited Checking	Comprehensive Checking	Comprehensive checking and interest on balance
Balance to Open	$500	$500	$500
Interest Bearing¹	Not Applicable	Not Applicable	Included
ATM Access	Included	Included	Included
ATM Use Fee Rebates²	Fee Schedule³	Included	Included
Monthly Maintenance Fee	None	$10	$20
Minimum Balance for Maintenance Fee Offset	None	$2,500	$5,000
Minimum Balance to Earn Interest	Not Applicable	Not Applicable	$2,500
Free Checks	No	First Order	First Order
Debit Card (credit approval)	Included	Included	Included
Private Access Online Banking	Included	Included	Included
E-Statement Delivery	Required	Included	Included
Private Access Online Bill Pay	Included	Included	Included
Private Access On-Call Banking	Included	Included	Included
Check Writing/Withdrawal Limits	Fee Schedule³	Unlimited	Unlimited
Quicken/QuickBooks/MS Money Monthly Access	$10	Included	Included
Quicken/QuickBooks/MS Money Download Fee (each)	$5	Included	Included
Private Access Sweep Account	Not Applicable	Optional	Not Applicable
Overdraft Protection (credit approval)	Included	Included	Included
Foundation Banking Services	Included	Included	Included
Banking Services Fees	Fee Schedule⁴	Fee Schedule⁴	Fee Schedule⁴

1. Interest Bearing - Ask My Private Banker for current rate information.

2. Fee Rebates - For domestic ATM transfers only.

3. Fee Schedule - See Personal Client Fee Schedule for a comprehensive list of all fees.

Sweep Account Type	Sweep NOW Account ¹
Interest Earning²	Variable and Tiered
Monthly Maintenance Fee	$20
ATM Access	Included
Average Balance for Maintenance Fee Offset	$2,500
Minimum Balance to Earn Interest	None
Private Access Online Banking and Online Bill Pay	Included
E-Statement Delivery	Included
Private Access On-Call Banking	Included
Quicken/Quickbooks/MS Money Monthly Access & Downloads	Included
Banking Services Fees	Fee Schedule³

1. Sweep NOW Account - An FDIC insured First Foundation Bank deposit account.

2. Interest Earning - Ask My Private Banker for current rate information.

3. Fee Schedule - See Personal Client Fee Schedule for a comprehensive list of all fees.