Credit Cards

credit card

Cell phone

 

 

 

Credit Cards Annual Percentage Rate Key Features
PERSONAL 'PLATINUM' VISA 11.90%
up to 13.90%

(PRIME RATE + MARGIN based on credit history)
Fixed rate and may adjust at Anniversary date
  • Same interest rate (Annual Percentage Rate) for Card; Cash Advances & Balance Transfers
  • Online access anytime with FREE online bill pay
  • Accepted Worldwide
  • 100% Fraud Liability Protection
  • Annual fee of $29.95
PERSONAL 'SECURED' CARD 13.90%
(PRIME RATE + 9.40%)
Fixed rate and may adjust at Anniversary date
  • Same interest rate (Annual Percentage Rate) for Card; Cash Advances & Balance Transfers
  • Online access anytime with FREE online bill pay
  • Accepted Worldwide
  • 100% Fraud Liability Protection
  • Secured by Time Deposit
  • Annual Fee of $29.95

 

How to Avoid Paying Interest of Purchases: Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge: If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Federal Reserve Board: To Learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard

 

Transaction Fees:
*
Balance Transfer
* Cash Advance
* Foreign Transaction


$5.00
None
3.0%
of each transaction in U.S dollars

Penalty Fees:
* Late Payment
* Over-the-Credit-Line
* Returned Payment


Up to $25.00
Up to $25.00
Up to $25.00
Other Fees: Temporary Credit Increase $25.00. Replacement Card $10.00. Additional Card Fee $5.00.
How We Will Calculate Your Balance: We use a method called "Daily balance (including new purchases)". An Explanation of this method is provided in our account agreement. Billing Rights Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

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2018 Best EC Magazine

IMPORTANT MESSAGE: Due to our core conversion that took place over the weekend, please take a moment to ensure that all accounts you have access to are displayed in Online Banking. Also note that you will have to set up any alerts or automatic transfers that were set up within our previous system. Your account history may be limited at this time so please refer to your actual Estatement for all transaction details. You will be able to contact the bank using the secure “Requests and Messages" system located in the Customer Service menu or call a First Florida Bank Representative at 850-269-1201 or toll-free at 844-627-0616. Thank you! Click here for important information concerning Online Banking, Transfers, Bill Pay and Quicken/Quickbooks. We have some new and exciting changes coming to our Cash Management, Remote Deposit Scanner and Online Banking in March 2019. Stay apprised of the changes by viewing the News & Events section of our website!   Thank you to all who voted First Florida Bank as “Best Bank” for Best of the Emerald Coast 2018! Looking for a credit card that earns you rewards for merchandise and travel? Click here to apply for a First Florida Bank Credit Card! Our credit cards now have a security feature to immediately alert you of any potential fraud through real-time text messages, as well as interactive voice mail and email fraud notifications. No enrollment needed as this is an automatic feature! FirstFLBank.com is now FirstFlorida.Bank Click here for details! Want to stay current on the latest products and services we offer? Click here to sign up to receive First Florida Bank's newsletter! First Florida Bank is now on Facebook! Click here to like us!  

2018 Best of Emerald Coast