First Federal Bank 1891 South 14th Street, Fernandina Beach, FL 32034

"I have been with First Federal since they bought out First National years ago. They have continued the excellent service. My current go to customer service person is Ashley Drecher and sometimes Logan or Nickki. They have helped with many notaries and wires. The ladies at the counter: Nico and Patty are always friendly and helpful."

"Brittney Anderson has gone above and beyond all my expectations. My wife, who as a retired accountant has done all of our banking for the 43 years of our marriage, passed away last year, leaving me with the task of learning about all of our accounts plus setting up several new accounts. I couldn’t imagine where I would be without Brittney’s guidance."

"I absolutely love my bank!! Great customer service anytime we go inside the bank. Nicki Pollard is awesome and will make your needs top priority. The entire staff is amazing!! I am a very satisfied customer!!!"

"My wife and I can’t say enough about the service we receive from Nicki Pollard at First Federal Bank at the Amelia Island branch. Nicki and the team members have made our transition from out of state to Fernandina a simple one. In our time here, she has been able to facilitate transactions with great easy. Whether it was opening accounts or one of the many HELOC’s we’ve transacted, the outcome has always been the same: Excellent customer service, great turnaround time, attention to detail, and feeling that you matter to Nicki ! Great job First Federal.. you’ve got a great team."

"I must say, my experience with First Federal Bank has been nothing short of outstanding. From the moment I walked in, the warm and welcoming atmosphere always makes me feel at ease. The staff greets me with genuine smiles and are always eager to assist with my banking needs. The branch manager, Nicki Pollard leads her staff exceptionally well and she’s super supportive of her bank being involved in community activities. It’s refreshing to see a bank that genuinely cares about giving back, whether it’s through sponsorships, financially literacy programs, or supporting local charities. First Federal’s involvement within the community is phenomenal. I highly recommend First Federal bank to anyone looking for a reliable financial institution."