Digital Bank Frequently Asked Questions

Questions about First Foundation Bank

  • We are an FDIC-chartered bank with headquarters in Irvine, CA. Founded in 2007, we have been providing banking services to the builders and investors in our communities.

    From relationship banking to real estate financing, First Foundation Bank is there at every stage and at each moment you need us—and even when you don’t. Sophisticated solutions with personal service, we’re helping you live and share the life you’ve dreamed of.

    First Foundation is an extraordinary team of professionals united around a single cause: to enable growth-minded individuals and businesses to boldly live the life they imagined and preserve the legacy they’ve worked so hard to build—knowing we have their backs at every moment, especially the ones that matter.

    First Foundation Bank. With you, when it matters most. To learn more about all that we offer, please visit firstfoundationinc.com.

  • Yes. First Foundation Bank is an FDIC member, which means that funds deposited in your First Foundation Bank online savings accounts are insured up to the maximum allowed by law.

    The FDIC insures deposits according to ownership category (such as individual, joint, or accounts with beneficiaries). The current maximums are $250,000 in all your individual accounts combined, $250,000 per owner in all your jointly-owned accounts, and $250,000 in all the accounts where you are a named beneficiary.

    Our customers are not required to apply for or request coverage. However, to ensure your funds are fully protected, it’s important to understand your deposit insurance limits.

    To determine how much insurance is applicable to your accounts at First Foundation Bank and for any other FDIC insurance requirements that may apply, please visit the FDIC website at www.fdic.gov or call the FDIC directly at 1-877-ASK-FDIC (1-877-275-3342).

    At its website, the FDIC provides consumers with the Deposit Insurance Summary guide, the comprehensive Your Insured Deposits guide, and the Electronic Deposit Insurance Estimator (EDIE), an online tool you can use to calculate your actual FDIC insurance coverage. You can find the EDIE calculator at www.fdic.gov/edie.

  • Yes, First Foundation has 20 branch office locations across Southern California, Northern California, Hawaii, and Nevada. 

  • Existing clients can open an online savings account through our 5-step account opening process available online. Please note that this account can only be opened online and funds from existing accounts with First Foundation Bank do not qualify for the published rate of the Online Savings Account. If you have a current savings account with First Foundation Bank and you open an account online, you will receive consolidated statements for each of your First Foundation Bank savings accounts. 

  • 122287581

Questions about fees and balances

Questions about the application process and online savings account

Questions about getting started after application approval

  • Once your account has been opened and funded, navigate to firstfoundationinc.com. Click the green Sign In button in the top right of our homepage and then “Enroll Now” under “Personal Banking.” Alternatively, you can enroll on the homepage of our mobile app by selecting “First Time User? Enroll Now.”

    Fill out all the requested information and then click “Begin enrollment.” You will be presented with questions from your public record to verify your identity. Once these have been successfully answered, accept the terms and conditions, establish your username and password, and set up your challenge questions and answers.

  • You can log into your account by using the Sign In button at the top right of our homepage, https://www.firstfoundationinc.com/

    You can also access your account through our mobile app, available here: 

    Apple App Store

    Google Play

  • There are three ways to deposit money into your First Foundation Online Savings Account: 

    1. Use the check deposit feature in the First Foundation Bank Mobile app.
    2. Transfer funds from an external account in your online banking or mobile app.
    3. Visit any of our 20 branch locations.

  • All online savings accounts are automatically enrolled in paperless statements. You can access your paperless statement by logging into your account by using the Sign In button at the top right of our homepage, https://www.firstfoundationinc.com/

  • Six preauthorized withdrawals/transfers or checks are allowed per statement cycle. Transactions exceeding those allowable per statement cycle are subject to excess withdrawal fees.

  • All online savings accounts are automatically enrolled in paperless statements. 

  • There is a daily ATM limit of $500 and daily POS limit of $1,500. We reimburse ATM fees imposed by other banks and ATM operators up to $20 per transaction at any ATM in the country, with no monthly reimbursement limit.

  • We can provide the Routing number and your account number to provide to your employer.

  • The daily deposit limit varies based on your account history. Our mobile deposit limits are between $2,000 and $10,000 per day. 

  • Yes, we will attempt to send email notifications for rate changes to your email on file.

  • Deposits made by check, mobile deposit, and in-person branch deposit for the first 30 days after account opening will be subject to an extended new account hold. We will always tell you when a hold is placed on your account.

  • Make your check payable to the name on your account. DO NOT make the check payable to First Foundation Bank—this will cause delays in posting to your account and possibly cause your check to be returned. In the memo line of your check, please also include your Online Savings account number.

    Our check funding mailing address is:

    First Foundation Bank
    2101 Rosecrans Ave. Suite 4260
    El Segundo, CA 90245

  • Your statement will show the Annual Percentage Rate (APR) instead of the Annual Percentage Yield (APY). APR looks slightly lower than APY because it does not include compounded interest. When comparing savings accounts, you will almost always see APY used since it includes your compounded interest, while your statement will show the APR. SmartAsset has written a helpful blog post on the topic here.

  • Online Banking will show the yearly Interest Rate instead of the Annual Percentage Yield (APY). The Interest Rate looks slightly lower than the APY because it does not include compounded interest. When comparing savings accounts, you will almost always see APY used since it includes your compounded interest, while Online Banking will show the Interest Rate.

Questions about funds access and transfer limits

  • You can use our ACH funding option to fund your account up to $50,000. If you would rather fund your account later, we will send you a welcome packet with instructions on other ways to fund your account. You can fund your account by check, wire, initiating a transfer from your other bank, mobile deposit, or by bringing cash into one of our branches.

    If your funding transaction or the account balance exceed $5,000,000, the APY will be reduced on the entire account balance. The APY will be reduced on the entire account balance if the amount on deposit for all of your individual and joint Online Savings accounts combined exceed $5,000,000.00.

  • Yes, the six transfer rule from banking Regulation D applies to online savings accounts. Transfers in person are unlimited.

  • Currently our fee for excess withdrawals is $20 per item.

  • After you enroll for online banking, you can set up external transfers to move funds to or from your accounts at other financial institutions.

  • Any electronic transfer or withdrawal that reduces your account balance, initiated by First Foundation Bank or any other institution, counts toward the federal transaction limits.

  • To ensure the safety of all accounts at First Foundation Bank, we may place certain limits on automatic transfers from your account. Rest assured there are two easy ways you can still access your money. It is never our intent to keep you from accessing your own money. 

    1. Call us. We will gladly help figure out the best way to transfer more money than our stated limits. This might require some additional security measures, which are in place to make certain “you are you” and that the money is going where it is intended. 

    2. Initiate the transfer from the other institution you would like the money moved to. Oftentimes larger banks have higher transfer limits. Given they are so large and clients can be just numbers to them, they are able to blanket their accounts with insurance to protect against losses. This insurance does not help make things more secure for you, but protects their own interests against fraudulent behavior.

  • If you decide to fund your account using a wire from another financial institution, First Foundation Bank will waive the incoming wire fee. You are still responsible for any fees related to sending the wire from your other financial institution.

  • Your initial standard delivery online external transfer limits are $10,000 per day and $30,000 per month. Online external transfers can be made up to $20,000 per day and $100,000 per month. The amount you can transfer varies depending on the speed of the transfer, the external account status, and the transaction history on your accounts. We do not place any limits on the amount you can send or withdraw when initiated from your other financial institution.

    We know there are times when you might need access to more money, so if you need to send in or withdraw more than the preset limits, we have various fund movement options available: you can send us a wire, submit a mobile deposit, mail us a check, or bring cash into any of our branches. We do not offer temporary ACH increases for initial funding transactions. Please contact us at 888-405-4332 and we will work together to accommodate a solution.

    If you have multiple accounts at First Foundation Bank, there is no limit to the amount of internal transfers you can process between your accounts.

Questions about the online checking account

  • $1,500 daily

  • $500 per day

  • Once your account has been opened, you should receive your debit card within 7-10 business days.

  • Contact us at [email protected] or 888-405-4332 to place a check order through our preferred partner—Deluxe. Alternatively, you can order checks through any third party company directly (such as Costco or Deluxe).  Ensure you are entering your correct account information (name, address, and account number) and First Foundation’s routing number: 122287581.

  • You can send, request, or receive money with Zelle.

    1. To get started, log into First Foundation Bank's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.

    2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.

    3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request".

    4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle. 

    To learn more about Zelle, visit https://firstfoundationinc.com/zelle

  • Zelle limits may differ transaction to transaction and will also depend on your recipient’s financial institution.  You can see your remaining limits at any time by selecting “Limits” when you are initiating a transaction via Zelle in your online banking or mobile app.

    To learn more about Zelle, visit https://firstfoundationinc.com/zelle

  • Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Follow the prompts to switch your email address or U.S. mobile phone number to First Foundation Bank.  Please contact our Online Banking Support team at 888-405-4332 for more assistance.

    To learn more about Zelle, visit https://firstfoundationinc.com/zelle

  • Before you access Bill Pay, you must first accept the terms and conditions.  This must be done within First Foundation’s Personal Online website and not in the mobile app. Once you have accepted the terms and conditions, you may access bill pay both through Personal Online and the mobile app. On First Foundation Personal Online, select “Payments” to access bill pay.  On the First Foundation Mobile app, select “Transfer & Pay” and then select any of the options under “Payments.”

  • The Personal Checking account does not earn interest.

  • There is no monthly maintenance fee associated with the Personal Checking account.

  • When you bank with us, you can make any ATM your ATM. You can use any ATM in the nation and we will reimburse the ATM fee up to $20 per visit. We also won’t charge you a fee on this end.

  • $100

  • Not at this time. Accounts opened online are only available to individual and joint applicants. Once your account is open, you may add your trust as a beneficiary to your account.

    Alternatively, you may head to any of our 20 branches to re-title your account and complete additional documentation including a notarized Certificate of Trust and the bank’s signature card.

  • Once your account has been opened, reach out to the First Foundation Digital Bank team at [email protected] or by calling 888-405-4332. We will send you a short form via DocuSign to collect the information we need to add your beneficiaries to your account.


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Deposit and loan products offered by First Foundation Bank, Member FDIC and Equal Housing Lender. NMLS #793235.

Investment and Advisory Services provided by First Foundation Advisors, an SEC-Registered Investment Advisor. Trust Services and Insurance Services are offered through First Foundation Bank. First Foundation Insurance Services license number #0H38553.

Investment, Insurance, and Advisory Products and Services: