Terrible bank. They used to be self-aware, offering very convenient and innovative solutions that weren't found at the nationwide banks to make up for the fact that they only have one branch. However, for some strange reason, they have decided to roll these back and now their services, offers, and processes to get the most simply things done or reported take exponentially longer than any of their competition. Now, there is quite literally nothing they do or offer that the large corporate banks and more established local banks don't do better.
Since their rebrand to FFB, they claim to cater to both business banking and personal banking rather than just business. This is not the case for either. Having a personal account does nothing for you other than make it convenient if you have business accounts there. There are no credit cards, offers, or rewards. An FFB personal account is the equivalent of having money under your mattress. The business banking side is also a complete joke now. Unless you are sitting on millions of dollars, don't expect this bank to do ANYTHING for you. They used to tout a $100k credit line, but it is nearly impossible to obtain. You can have the most excellent credit and steady deposits, but they will still deny you. If one of your businesses is lucky, if they see you using the credit line for what it's intended for, they will cut you off until whatever balance you have is paid in full. An absolute joke. Also, all their processes are very old school. Every little thing you want done, you have to call in, wait to get an email sent to you, fill out paperwork, scan it and email it back, and pray they process it fast enough for you to meet your business deadlines and needs. Totally INEFFICIENT. They also are only open from 9am- 5pm Monday through Friday, so if you're in need of emergency assistance or have transactions bright and early at 8am or an important transaction after 5pm, or even conducting important business on the weekend (note to FFB: businesses operate during the weekends!) , consider you and your business COOKED. Card limits are dirt low for both business and personal cards; you need to call to have them raised during business hours (again, if you need to do a transaction on the weekend, early morning, or after 5pm, you're DOOMED). If you want the limit raised at the other banks, you can call any time, and they will raise it for however many days you need, not a temporary raise until the end of day in which you have to call again tomorrow or fill out paperwork, scan it, and email it back for a "review" that has a high chance of getting denied. Their claims process is also a joke. More forms, weak with other banks, weak on false charges despite the charge reading "PENDING". Don't expect them to credit you a red cent for something that was still considered in your account.
I've been a customer for over three years and will be moving my nine business accounts and multiple personal accounts elsewhere, and my family will be doing the same. Great people work there, i.e. tellers, bankers, etc. Management and their leadership team are a bunch of out of touch dopes who think they are Goldman-Sachs. Needs new blood and local people at the top. Processes and policies are outdated, slow, inefficient, and extremely anti-business. Personal banking still remains nonexistent. read more
