First Federal is a local, community focused organization. That creates a different, better banking experience, one that frees you to do what you do best. We’ve developed a range of commercial accounts and services to help you manage your financial needs and build out your business strategy. We’re available in person, on the phone and online. When you have a question or a banking need, just ask.

Business Checking

Everyday Business Checking

Designed for the business owner who generally has a low volume of transactions. First 50 transactions per statement cycle are free with unlimited ACH and POS transactions. Transactions counting towards the 50 are; deposits, check withdrawals and deposited items.  A 0.25 per deposit or withdrawal fee will apply for transactions over 50 in a cycle.  A 0.10 per deposited per item fee will apply for over 50 deposited items. The $5.00 monthly maintenance fee is waived with a minimum $500 daily balance or with enrollment in e-statements.

Advanced Business Checking

With more flexibility and choices, this account allows up to 200 items per statement cycle with unlimited point of sale and ACH transactions.  Transactions counting towards the 200 are; deposits, check withdrawals and deposited items. A 0.25 per deposit or withdrawal fee will apply for transactions over 200 in a cycle.  A 0.10 per deposited per item fee will apply for over 200 deposited items. The $10.00 monthly maintenance fee is waived with a minimum $2,000 daily balance or $5,000 average daily balance. You decide!

Analyzed Business Checking

This account is designed for businesses with higher transaction volume, or that use Cash Management services.   Earnings credits offset charges for corporate clients.

Business Debit Card

All Business Debit Cards can now be repinned at any First Federal Branch

Business Lines of Credit

Funds are ready when you need them, and you control cash flow with First Federal’s Business Line of Credit. Transfer and withdraw funds at your convenience -- by phone or in person.

Business Savings

When First Federal Business Savings and Business Checking products are used by the same firm, monthly savings account maintenance fees are waived.

Business Online Banking

Maximize assets and efficiency with First Federal Cash Management Services. First Federal Online Banking means your options are at your fingertips 24 hours a day from wherever you have Internet access.
Click here to sign in!

For detailed information or help, refer to the Business Online Banking User Guide.

Funds Transfers

With First Federal Business Online Banking, you can:

  • Initiate account transactions
  • Set daily maximum limits
  • Set per transaction account limits
  • Originate wire transfers
  • Schedule recurring and one-time transfers

Payroll, vendor, collections and cash concentration ACH origination payments are supported.


You define the parameters of reports that help you make better business decisions. Receive detail and/or summary reports for all your First Federal accounts. Change the report parameters whenever you choose and export your information to most accounting software programs for easy accounting management and tax planning.

Health Savings Account (HSA)

Plan for wellness, health care and medical emergencies with a First Federal Health Savings Account. Our HSA lets you save for health expenses and grow unused funds for retirement. Call today and talk with us about a Health Savings Account. Visit our online HSA Service Center .

Additional Services

Credit and Debit Card Merchant Services

The ability to accept and manage electronic payments is critical to every business. First Federal helps you securely accept all types of electronic payments affordably, including credit and debit cards. Features include:

  • Credit, Debit and EBT card acceptance
  • E-Commerce Solutions
  • CompletePay Electronic check conversion
  • Affordable processing rates
  • Easy-to-understand monthly statements
  • 24/7 Customer and Technical support Click here to learn more about TSYS Merchant Services


Remote Deposit Capture

Make your check deposits directly from your own office! With Remote Deposit Capture, you can deposit checks to your First Federal accounts whenever it’s convenient for you. Safe, quick, and easy, let us show you how Remote Deposit Capture can save you valuable time. Please contact a member of our knowledgeable team today.
Click here for an online demo!

Merchant Night Drop Depository

First Federal’s Merchant Night Drop Depository gives you the convenience and security of 24-hour bank deposits. Business or personal deposits will be processed the next business day. Deposit bags are available at any branch.

Image Statements

Detailed account information, including an imaged copy of every check that clears your account is your reference for account activity and other business needs. If needed, check copies can also be faxed to you quickly.

24-Hour Touch Tone Teller

Access account information, transfer funds, order stop-payments, make First Federal loan payments, balance your checkbook and more at your convenience from home, work or anywhere with phone access. Use the Touch Tone Teller to verify a check 24 hours a day. Call 360-457-0461 any time. Click here to learn more.

Business Visa® Credit Card

Facilitate, monitor and track business travel and purchases with a First Federal Business Visa®. Your First Federal Business Visa® can also give you access to ATM machines throughout the world.

Customer Education

FFIEC Business Account Guidance/Risk Assessment & Layered Security

Enhanced Multifactor Authentication Instructions


Online Banking


Business Online Banking


Contact Us

Our Contact Center representatives are available:
Mon-Fri 7:00 am - 7:00 pm
Sat 9:00 am - 1:00 pm
Toll Free
1 (800) 800-1577
(360) 417-3204

Chat with us!

  • PO Box 351
    105 West Eighth Street
    Port Angeles, WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender