Online Savings

Your soon-to-be favorite savings account

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Online savings account 0.50% APY*
Online Savings

Open your First Foundation Bank Online Savings account

Our Online Savings account is available for clients located anywhere in the U.S., and offers a very competitive rate to help your savings grow.

An Overview of First Foundation

$7.9 Billion

in Bank Assets as of 6/30/21

$5.3 Billion

in Advisory Assets Under Management as of 6/30/21


Employees as of 6/30/21

22 Locations

Serving you in California, Nevada, Hawaii, and Texas

Open an Online Savings account in five easy steps

Open Account

View FAQs

FFB online savings vs. national average
Online Savings

Earn over 8x the national savings average

Our Online Savings account offers one of the highest available interest rates in the market.

Savings Interest Calculator


What do our clients think?

“Great online bank”
“Great online bank. Easy interface. Great interest rates.” Jonathan B., Astoria, NY
“Ease of doing business with FFB”
“I really like the ease of doing business with FFB. Their website is great and opening an account is super easy. I highly recommend them.” Ronald H., West Jordan, UT
“Great customer service”
“You’ll be hard pressed to find a better bank. Great customer service, great rates and an easy to use app!” John B., Stamford, CT
“Friendly, efficient”
“First Foundation Bank representatives are all friendly, efficient, and work very diligently to assist your every need!” La Vern D., Fort Collins, CO
We are experienced online bank customers working with CIT and Ally over the years. But when we found out First Foundation had competitive online rates AND we could still benefit from their brick and mortar facilities, we were sold. It’s been the best of both worlds.
Carl K. ,
Palmdale, CA

Open an Online Savings account in five easy steps

Open Account

mobile banking on cell phone
Mobile Banking

Bank Smarter on Your Device with First Foundation Mobile

With First Foundation Bank Mobile, you can easily access and manage your money from your iPhone or Android on the go.

Track your account activity

View your account information, transactions, balances, check images, deposit tickets, and statements

Pay bills online

Deposit checks, view your account history and balances, transfer funds, send person-to-person payments, pay bills, and more.

Friends & family, send money with Zelle®

Send money to their bank account in minutes(1) with Zelle®.

Bank with complete confidence

Bank with the highest level of security thanks to multiple layers of authentication
Get the App
Savings Goal Calculator

How much to set aside to meet your financial goals

When saving for a big financial goal, it’s important to understand the relationship between how much you save each month and how long it will take to reach your goal. Our calculator shows what it will take for you to get there.

Member FDIC
Member FDIC

We are a bank, not a fintech unicorn

Offering you peace of mind that funds deposited in a First Foundation Bank Online Savings Account are insured up to the maximum allowed by law. The insurance is directly through our bank, not intermediated by a third-party.


Learn more about us and our Online Savings account.

View FAQs

In need of human assistance?

Our team is available to help Monday through Saturday. Give us a call.



*Annual Percentage Yield (APY) is accurate as of 05/14/2021, subject to change without notice, and cannot be combined with other offers. The Online Savings account is a variable rate account. The interest rate and APY on this account may be changed at any time. The minimum balance to open the Online Savings Account is $1,000; new money only. Balance tier amounts and APYs associated with the end-of-day balance for the purpose of paying interest on the Online Savings Account are: $0.01 - $5,000,000.00 - APY 0.50%; $5,000,000.01 or more - APY 0.35%. Interest rate is variable and subject to change after account opening. If the balance in the account exceeds $5,000,000.00, 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. Fees may reduce earnings. Additional terms and conditions apply. Transaction limitations apply.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.

Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

Savings Interest Calculator is for illustrative purposes only, true values may vary.

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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, Digital Assets, and Advisory Products and Services: