Secure File Upload

Welcome to the First Florida Bank Secure Upload Exchange. This web-based file delivery system is designed to protect confidential client communication. You can use this service to easily send us files or documentation. All transfers are confidential and automatically protected with SSL data encryption.

To send files or documentation to First Florida Bank securely, please click here and select Secure Upload. You will then be prompted to enter the e-mail address of the recipient.

Please note you will need to enter the e-mail address of one of the following staff members:

Jennifer Baldwin
Vice-President/Executive Administrator

Becky Bartlett
Administrative Assistant

Credit Cards/Merchant Processing
Heather Rybicki
Business Banker

Carrie Ard
Asst Vice-President/Credit Analyst

Linda Braden
Vice-President/Loan Operations Manager

Terri Buckner
Commercial Loan Administrator

Don Collins
Senior Vice-President/Commercial Lender

Cleve Daniels
Commercial/Consumer Loan Officer

Holli Daugard
Loan Operations Clerk

Tracie Edwards
Commercial Loan Administrator

David Harless
Vice-President/Director Lending Bay County

Neal McJenkin
Loan Portfolio Manager

Barbara Stefanik
Commercial Loan Administrator

Gloria Thames
Commercial Lending Assistant

Tammy Winters
Senior Vice-President/Director of Lending & Business Banking

Jennifer Ariaz
Asst Mortgage Operations Manager/Junior Underwriter

Leida Bilby
Vice-President/Mortgage Loan Officer

Courtney Gregory
Mortgage Loan Processor

Kayla Irvine
Mortgage Operations/Closer

Donna Jacobs
Mortgage Operations/Post Closer

Nyree Kowalski
Mortgage Loan Processor

Denise Mills
Mortgage Operations/Closer & Post Closing Assistant

New Accounts
Rose Baldwin
Branch Manager - Mary Esther

Nikki Baughman
Branch Manager - Niceville

Toby Bengson
Financial Services Representative

Leia Burkeen
Assistant Branch Manager – Miramar Beach

Susan Forstman
Branch Manager – Destin

Matina Jeffries
Asst. Vice-President/Retail Banking Manager

Alison Jones
Financial Services Representative - Niceville

Stephanie LaGuardia
Branch Manager - Miramar Beach

Grace Macknett
Assistant Branch Manager - Mary Esther

Pamela Paul
Branch Manager - Freeport

Kathy Price
Assistant Branch Manager – Panama City

Tara Snook
Assistant Branch Manager – Destin

Katie Thomas
Branch Manager - Panama City

Shirley Capps
Operations Assistant

Robyn Cooper
Operations Manager

Rena England-Morrison
Vice-President/BSA Officer & Compliance Officer

Teresa Nary
Deposit Operations Specialist

Denise Sansom
Compliance Assistant


Please indicate in the subject and/or message line who the actual recipient of your message should be and one of the recipients above will route it where appropriate.

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2018 Best EC Magazine

As of November 1, 2019, First Florida Bank and The First, A National Banking Association, headquartered in Hattiesburg, Mississippi, have become one. Please click here for important information concerning your account.EFFECTIVE MONDAY, NOVEMBER 18th OUR BUSINESS HOURS ARE CHANGING! CLICK HERE FOR MORE DETAILS! THE FIRST BANCSHARES, INC. ANNOUNCES AGREEMENT TO ACQUIRE FIRST FLORIDA BANCORP, INC. CLICK HERE FOR FULL PRESS RELEASE. First Florida Bank will never solicit personal or banking information via text message or phone calls. For your security, do not ever give your personal information or banking information to someone if you receive a call or text soliciting such information from someone claiming to be a representative of First Florida Bank. Coming late April 2019, we will offer SecurLOCK to replace the My Mobile Money App. Click here for more details on this newest way to protect your debit card! Want to see if you prequalify for a mortgage? Click here to apply online!! 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! 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!