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First Florida Integrity Bank Review

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First Florida Integrity Bank Savings
0.17% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

First Florida Integrity Bank was founded in 2007 with its headquarters in Naples, Florida. First Florida Integrity Bank owns $1 billion in assets along with $1 billion in deposits, which makes it a medium-size bank. First Florida Integrity Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, First Florida Integrity Bank is a superb bank that you should strongly consider, with a score of 4.5 stars out of 5 from our experts. First Florida Integrity Bank offers a full selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. First Florida Integrity Bank has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, First Florida Integrity Bank's most basic checking account does not carry a monthly maintenance fee. Finding a checking account with no monthly fee and a savings account with a high interest rate at the same bank is the best option for accruing the most income on your deposits while having convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.5/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

4.0
SmartAsset Average: 3.5

With a savings rate of 0.17%, First Florida Integrity Bank ranks poorly compared to the average U.S. bank. First Florida Integrity Bank's one-year CD earns at a rate of 2.25% and the five-year CD has a rate of 3.00%, while its highest-yielding money market account earns at a rate of 0.28%. Given First Florida Integrity Bank's noncompetitive savings rate, you should consider taking a look at other banks for savings accounts.

How First Florida Integrity Bank's Savings Rates Compare

First Florida Integrity Bank Savings 0.17 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

First Florida Integrity Bank generally has extremely low fees in comparison to the average U.S. bank. Its checking account has no monthly fee, making it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it is perfect because it charges no out-of-network ATM fees. First Florida Integrity Bank refunds any incurred out-of-network ATM fees, making getting cash a free and easy process.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.9
SmartAsset Average: 3.7

First Florida Integrity Bank is a brick-and-mortar bank, with seven total bank locations in Florida. It also offers access to mobile and web apps for an easy mobile-banking experience. First Florida Integrity Bank gets moderate marks from customers for its mobile app. Out of 13 ratings on iOS and Android platforms, the First Florida Integrity Bank mobile app has an overall rating of 3.8 out of 5 (compared to the national average of 3.8). First Florida Integrity Bank's mobile app lets you control your accounts by reviewing current statements, sending and receiving funds as well as accessing customer service. First Florida Integrity Bank gets a superb consumer satisfaction rating due to relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.8/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

First Florida Integrity Bank ranks as a medium-size bank and handles assets totaling $1 billion as well as $1 billion in deposits. Its Texas Ratio is 0.82%, denoting that the bank is in excellent financial health and far from failure. Additionally, First Florida Integrity Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare First Florida Integrity Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.17% APY $1
Checking Account 0.28% APY $1000
Certificates of Deposit
  • 12 Month: 2.25% APY
  • 24 Month: 2.70% APY
  • 36 Month: 2.90% APY
  • 48 Month: 3.00% APY
  • 60 Month: 3.00% APY
$1000 for all terms
Money Market Accounts 0.28% APY 0.28% APY $10000 $15000

First Florida Integrity Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. First Florida Integrity Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First Florida Integrity Bank's CD rates are fair as compared against the national average.

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Find a First Florida Integrity Bank Near Me

First Florida Integrity Bank has seven physical locations in the U.S.

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