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First Federal Bank, Lake City FL

Address 2571 W US Hwy 90, Lake City, FL, United States
Phone +1 386-755-0600
Hours
Monday8:00am-5:00pm
Tuesday8:00am-5:00pm
Wednesday8:00am-5:00pm
Thursday8:00am-5:00pm
Friday8:00am-5:30pm
Website www.ffbf.com
Categories Bank, Mortgage Lender
Rating 3.5 2 reviews
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First Federal Bank reviews

2
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Sam
August 23, 2023 12:40 am

Edit: theyre prolly going to delete this.no business has all 5 star reviews lol cheaters.
I've had a first federal account since I was 15 and I'm now in my mid thirties. They gave me my first home loan. The tellers and staff are always nice and I enjoy being recognized when I go in.
However. That recognition isn't because I go in for a lot of deposits. It's because in the last year the quality of banking here has gone so down hill it's ridiculous. We were hacked *6* times last August-September. I was told repeatedly it was my fault and that I was using my card in unsafe places. Uh, no, I wasn't. I know how to take steps to prevent getting info stolen. Turns out it wasn't just me, it was EVERYBODY. Every time I went in to dispute a charge there were multiple customers there with the same issue. They eventually convinced me a flex debit card would solve my problems and finally admitted they were having hack issues on their end, in a very roundabout manner. Way to go with transparency. Nah let's just gaslight the account holders. The flex got hacked too. I kept my third issuance, they finally changed the card numbers and it stopped. Such a pain to have to reload it all the time but I don't trust my own account anymore.
Finally they convinced me to get a bank credit card. Worst mistake, it's hard enough keeping up with it in this economy and it's totally my fault for thinking it would work out but I'm still mad their response was "oh everyone uses credit these days! It's basically hack proof! " Harder to control and the interest rate is middling at best. The cherry on top: my identity was stolen during all this and I've had to lock down my credit and constantly check to see if my social has been used. Just happened again. I do indeed blame them, I've never had this happen before the account breaches. "It's a widespread issue"
Now even getting into my app to check balances is hit or miss. The app is currently down and has been since Friday afternoon. There's no actual customer service on weekends. With a flex I have to reload this is kind of a problem. Got an emergency on Saturday? Good luck bud.
At this point I'm switching to a credit union. Don't know what caused this massive dive in quality but hey, things change. So will I, at a union that has better customer service and no hidden issues. Probably won't get charged 13$ a month for sketchy access either.
I know this is a novel, I needed to detail how badly this has gone. Someone will respond and tell me they're sorry I've had this experience but lol y'all can't fix my identity issues/ CC issues now. Go with a national/statewide service. Don't stay here for loyalty sake. One extra star for nice staff I worked with.

JOey
July 22, 2023 12:24 pm

My relationship with First Federal Bank began when I started my business 7 years ago. I knew they had always supported local charities and organizations, so I chose them as the bank I would use. I have been delighted with that choice and would not change a thing!
Gigi Register was fantastic with the initial setup of the different business accounts. She helped guide me through what I needed to know as a new business owner. She was very helpful.
When it was time to purchase a business vehicle, Stephanie Lunde walked me through the process. She answered my many, many questions with grace and patience.
When my wife and I needed a home loan recently, Stephanie suggested we talk with Robb Burns. As one would expect, I had even more questions about this purchase. Robb was incredibly patient and helpful throughout the entire process of getting the mortgage. He was always swift to reply when I emailed a question and always there if I needed to call about something.
I am thankful for my partnership with First Federal and look forward to growing further with them in the coming years.

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