Credit Cards

 

 

 

Credit Cards Annual Percentage Rate Key Features
PERSONAL 'PLATINUM' VISA 10.90%
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 12.90%
(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.

First Florida Bank is hiring! To view immediate openings and apply online, click here! First Florida Bank has opened its doors in Panama City! Stop by our newest location at 701 Harrison Avenue in Panama City today! Per Federal Regulations, all checks deposited via the Bank’s Mobile Banking app must include your signature and “via mobile deposit” written on the back of each check deposited. In the alternative, you can mark the “Check here if Mobile Deposit” box if printed on the back of the check. Please note, effective January 15, 2018, any checks deposited via the Mobile Banking app that do not include the proper endorsement of “via mobile deposit,” or if the box is not marked, your check will not be accepted for deposit. First Florida Bank wins 2017 Best of the Emerald Coast! First Florida Bank donates school supplies to local elementary schools. First Florida Bank is now on YouTube! Click here to view/suscribe to our channel! 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!