Online Savings

Your soon-to-be favorite savings account

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First Foundation Bank 1.75% APY* Online Savings account
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

$6.3 Billion

in Bank Assets as of 12/31/19

$4.4 Billion

in Advisory Assets Under Management as of 12/31/19


Employees as of 12/31/19

20 Locations

Serving you in California, Nevada, and Hawaii

Open an Online Savings account in five easy steps

Open Account

View Online Savings FAQs

FFB online savings vs. national average
Online Savings

Earn over 21x the national savings average

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

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.

Send money to friends and family

Transfer funds to other First Foundation Bank or external accounts

Bank with complete confidence

Bank with the highest level of security thanks to multiple layers of authentication
Get the App
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 3/24/2020, subject to change without notice, and cannot be combined with other offers. The account listed above is a variable rate account. The interest rate and APY on this account may be changed at any time. The minimum balance to open and obtain the advertised APY for the Online Savings Account is $1,000: new money only. Balance tier amounts and APYs associated with the end-of-day balance for purpose of paying interest on the Online Savings Account are: $0.01-$999.99 APY 0.10%; $1,000 or more APY 1.75%. Interest rate is variable and subject to change after account opening. Fees may reduce earnings. Additional terms and conditions that apply to this account are set forth in the deposit agreement and fee schedule for the respective account. Transaction limitations apply. Deposit maximums may apply.

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Deposit and loan products offered by First Foundation Bank, Member FDIC and Equal Housing Lender.

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, and Advisory Products and Services: