So far so good im in love with this Bank, now i have not tried anything online, i actually go into the branch and they have been great, the interest rates are Amazing!! So much better than my credit union Thank you so much First Foundation

I have now used them for several days, and it gets better and better and better. They have every single thing I ever wished for in a bank and then some: Savings with fantastic rates, checking with a perfect bill paying app, easy app for depositing checks, various methods of verification so if for some reason you cannot receive texts or calls you can still get in safely but without spending hours. On top of which, when I called customer service on three different occasions I got someone almost immediately and they extremely pleasantly and efficiently answered my questions. I think I died and went to heaven. WOW!!! Original review: I am ditching Capital One 360 for making my life a living hell over the last month when I tried two very simple tweaks to my account. Searching for banks online, I found I could get a much better return than theirs as well. First Foundation Bank had all the functionalities I wanted, a savings account with a terrific interest rate, a checking account with bill paying, and the ability to operate without a mobile, if so desired. So I decided that it would be worth the lengthy application and approval process described in some reviews. Imagine my surprise when I opened two accounts plus added a joint holder and my church as a beneficiary (the two things I tried to accomplish with Capital One to the point of going insane) in exactly three minutes! WOW!!!! What a joy!

I wanted to park some savings at a high APR and found it at First Foundation. ACH funding was quick and easy. They feature a comprehensive financial app and online experience. Haven't had any issues that would necessitate calling customer service so I have no experience there but everything else so far has been great with FFB. ETA: its interesting they would issue the old school embossed cash card. It comes with the shiney raised alphanumeric characters to roll carbon paper for use with a manual credit credit card imprinter. Card has no chip, no 3 digit security number on back.

Signing up wasnt too bad. I realize all the identity valudation is necessary but I needed to verify something and was using on line chat. I finally gave up after waiting 50 minutes! While waiting for them I was also on hold on the phone waiting for an agent and the call got disconnected twice!!! I finally got someone on the phone and closed the useless chat. I felt like closing the account right then and there but I was afraid my money would get stuck in limbo that was being transferred from another bank. Better be worth my trouble.

Contrary to older reviews, online account set up was fast & straightforward. Pleasantly surprised that Initial deposit was credited the same day it left the external bank. 4.85% APR is currently among the highest. They have a local branch which gave me additional confidence to open the account. I check my online accounts frequently. One day this month their login didn’t work on my phone app but did work on my laptop. I reported the problem by phone. The person from my local branch answered immediately and reported the problem which has since been fixed. Prior to opening the account I called customer service with a question but primarily to see if they would answer quickly. They did and were informative. The account is new but so far I’m glad I opened the account.

I opened this during Covid, completely online. Yes I did have to submit forms of ID, I had to do a couple extra things to add a beneficiary to the account, etc. Once it is open, I leave it open even if only leaving $100 there. They are very quick to raise rates when Fed moves, and stay competitive. Their online transfers have holds and limits to size, if you originate them on the FFB website. Your initial deposit (which can be very small until you get things set up fully) will take time to have hold released. But once that is done, you can link your account at your other institutions, for example Schwab or any other. Then you are able to push/pull any amount you like in the account, and there are no holds because the money originated from an outside bank and came in as ACH. I rarely use the transfer facility at FFB, I originate everything from other banks. I have moved $100K in and out many times, and I think you can do multiple transfers same day at Schwab if you want to go over $100K. All the complants here are from people who are frustrated with the setup early process and don't have patience to get it all set up before you put any real money in it. Start with $100, realize it may take some effort to get it all organized, THEN start using it. I like it as well as MySavingsDirect which both are very competitive now.

Opened account with them beginning of March and was happy that they do not do a hard credit pull. Initial funds went in quickly. Had a couple of issues. 1. on 2nd time adding funds I was advised that I needed to provide a bank statement with my name listed (as apparently the info they had just had my wife name as the sole owner of the account. Not sure why this was not caught when I set up the account and deposited several $k which already posted to the new account). I contacted Customer Service was given info on how to quickly handle and within 2 days it was done on their end. 2. When going to add funds the 2nd time again was told that they needed to make two micro deposits and I needed to verify. Huh??? Didn't I do that when I made the initial deposit??? Anyway went though that process which took another couple of days but since then NO issues at all. Their website is better than any of my other online banks and funds get moved and post quickly. As long as their rates remain near the top I have no plans to leave. Customer Service was quick to answer and at least seemed knowledgeable. 08/02/2023 - 4+ months in since opening and everything has been smooth as silk with them after initial small issues when first opened. 10/19/2023 - 6+ months in contacted CS Service with couple of questions. wait time not great but got questions answered and by very friendly CS Service Rep. Still no issues moving funds in or out. Can't find a bad thing to say about this bank so far.