Association Banking

First Florida Integrity Bank is committed to serve community associations with a dedicated team of individuals that fully understand the unique needs our communities face when it comes to handling day to day banking needs. This knowledge includes investment of cash, financing needs, as well as receivables and payables for associations. Our team has a combined 100+ years of banking experience to assist our communities with the appropriate customized solution.

Our products and services are specifically designed for Condominium and Homeowner Associations, as well as Property Management Companies, to offer a streamline system with ease-of-use for customers. We own and operate our own Lockbox and it is located at our corporate headquarters in Naples, Florida. All funds remain in our local communities and all decisions are made locally with a quick turnaround. To find out more about these services please contact the Association Banking Services Department at 239-325-5734 or email

  • Association Specific Accounts
  • ACH
  • Cash Management Electronic Banking
  • Expanded FDIC Services
  • Fraud Protection
  • Association Lending and Financing Solutions
  • Lockbox (Bank owned and operated)
  • Merchant Services
  • Remote Deposit Capture
  • Electronic Wire Transfers
Anne Middleton

Anne Middleton joined First Florida Integrity Bank in June 2018 as the Association Banking Director. Prior to joining First Florida Integrity Bank she served Fifth Third Bank as Vice President, Treasury Management Sales Officer, and Florida Community Bank, as Vice President Relationship Manager specializing in homeowners’ associations, property management companies and condominium associations. Anne comes to First Florida Integrity Bank with over 20 years in the finance industry in the State of Florida. Mrs. Middleton currently resides in Collier County and graduated from Mississippi State University with an undergraduate degree in Banking and Finance. She also has obtained her MBA from Mississippi College.

Cash Management Electronic Banking
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Association Specific Accounts

First Florida Integrity Bank Association Accounts are customizable to fit your Association needs and we have an easy account opening process. Our interest bearing deposit rates are competitive. All accounts can be linked to our free Cash Management Electronic Banking.

We offer accounts for:

Association Operating
  • Includes Bill Pay/I Pay
  • E-Statements
  • 24 Hour Mobile Banking
Association Money Market
  • Call for our competitive rates
  • Call for our competitive rates
ACH Services
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ACH (Automated Clearing House) Services

Use ACH Origination Services for recurring payments from Association unit owners for dues and/or Special Assessments. This service allows you to expedite and automate collection of your Association’s receivables while improving cash flow for your Association. You can easily originate ACH transactions with First Florida Integrity Bank’s Cash Management Electronic Banking.

Benefits of ACH Origination Services:

  • Control timing – You will have the ability to control settlement timing of disbursements and collections
  • Set up automatic transactions – You can schedule automatic generation of transactions for review and release from anywhere you have Internet access
  • Manage recurring payments and collections – You can maintain recurring payments from Association unit/homeowners as well as payments to vendors
  • Complete bank to bank transfers in order to consolidate funds
Cash Management Electronic Banking
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Cash Management E-Banking

First Florida Integrity Bank’s Cash Management Electronic Banking solution is designed to meet the specific needs of your Association. Instantly access your financial information from the convenience of your home or office to better control financial decisions with up-to-date information. Our Cash Management Electronic Banking is a customizable solution with advanced security features.

Quickly recall and utilize information for Association accounts
  • Access account information
  • Transfer funds between First Florida Integrity Bank accounts
  • Pay bills electronically
  • Current day's balance
  • Prior day's balance
  • Transaction inquiry
  • Retrieve check & deposit slip images for 3 years
  • Statement inquiry with Electronic Statement Delivery
  • Placing Stop Payments on any lost or stolen paper check items
  • View loan status
  • Order Checks
Expanded security for Association accounts
  • Dual control authorization
  • Advanced security tokens and passwords
  • Set up multi-user access with specific dollar limits and levels of authority
  • Set up e-mail alerts
  • Download transactions
  • Ability to generate Summary / Activity /Saved Reports             

Demo available at Management

Electronic Statements

With our E-Statement solution your Association will be notified when your statement is ready. The Association designee will log in to our secured, password protected website to safely view your electronic statement.

Free Bill Pay

Online Bill Pay is designed to eliminate checks, envelopes, and stamps. Associations can pay vendors that have a U.S. checking account with just a few clicks of the mouse. There is no cost to Associations for online Bill Pay. All that is needed is a First Florida Integrity Bank checking account.

Associations can:
  • Add Payees, whether they are individuals or businesses
  • Set up automatic payments for items with fixed amounts
  • Track the status of your payment from pending to paid
  • Review history to see details about the payments you have made
Cash Management Electronic Banking
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Expanded FDIC Services

Insured Cash Sweep (ICS) and Certificate of Deposit Account Registry Services (CDARS) is a smart, secure, and convenient way for bank customers to earn a return and access multi-million-dollar FDIC protection on large deposits. You don’t have to choose between one and the other.

Insured Cash Sweep (ICS)

The Insured Cash Sweep service is a smart, liquid secure and convenient way for Associations to earn a return and access multi-million-dollar FDIC protection on large deposits above the $250,000 limit. You will receive a regular monthly statement from First Florida Integrity Bank. You can also check your ICS balances and track other important information of interest to you, 24/7, through a specially designed Depositor Control Panel.

Benefits of (ICS)

  • Funds are eligible for protection that is backed by the full faith and credit of the federal government
  • No need to track collateral on an ongoing basis
  • You will not have to open accounts under different insurable capacities, we do that for you
  • You will have one relationship with First Florida Integrity Bank and will not have to manage multiple bank relationships
  • ICS offers unlimited program withdrawals when placed into demand deposit accounts
  • ICS offers six program withdrawals per month when placed into money market deposit accounts
Use of the ICS service is subject to the terms, conditions, and disclosures set forth in the ICS agreements, including the ICS Participating Institution Agreement and the ICS Deposit Placement Agreement. Limits and customer eligibility criteria apply. Program withdrawals are limited to six per month when using the ICS savings option. ICS and Insured Cash Sweep are registered Service marks of Promotory Interfinantial Network, LLC.


Certificate of Deposit Account Registry Service ® (CDARS)

CDARS® offers multiple benefits to depositors who want to combine the security of access to FDIC insurance above $250,000 with the convenience of working directly with just one financial institution. You receive consolidated interest payments and statements from First Florida Integrity Bank.

The thousands of financial institutions that can offer CDARS are members of a unique network. When you place a large deposit with a CDARS Network member, that institution uses the CDARS service to place your Association funds into CDs issued by other members of the CDARS Network. This occurs in increments below the standard FDIC insurance maximum ($250,000) so that both principal and interest are eligible for FDIC insurance. By working directly with just one institution, you can receive coverage from many.

Benefits of CDARS:

  • Peace of Mind - Using the CDARS service, you can access multi-million-dollar FDIC insurance on CD investments.
  • One Relationship - You work directly with a local CDARS Network member – a financial institution you know and trust.
  • One Rate - You negotiate one interest rate per maturity on CD investments placed through CDARS. There is no need to negotiate multiple rates per maturity or tally disbursements manually for each CD.
  • One Statement - There is no need to manually consolidate statements. You receive one easy-to-read statement detailing all of your CD holdings.
  • No Hidden Fees - You will not be charged annual fees, subscription fees, or transaction fees for using CDARS. The rate you see is the rate you get.
  • No Ongoing Collateralization - Because CDARS deposits are eligible for FDIC protection, you may not need to collateralize your deposits. This can eliminate the time-consuming task of tracking changing collateral values on a recurring basis.
  • A Wide Variety of Maturities - You can select from various maturities – ranging from 4 weeks to 260 weeks (5 years) – and choose the terms that best suit your investment needs.
  • Community Investment - Your funds can support lending initiatives that strengthen your local community.
When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the CDARS Network, the relationship institution can use the full amount of a deposit placed through CDARS for local lending satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, the relationship institution may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending. CDARS is a registered service mark of Promontory Interfinancial Network, LLC
ICS - Insured Cash Sweep
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Fraud Protection

At First Florida Integrity Bank, protecting your money and financial information is serious business. When armed with fraud prevention tools and tips, you can protect your money, your assets and your credit.

ACH Block and Filter Fraud Services

Protect Association funds with ACH Block and Filter Fraud Services. This service allows an added layer of security towards safeguarding Association deposits by allowing you to define acceptable ACH debit and credit transactions or block them all and return. You will have the ability to view ACH exception information presented to you early in the day to make a determination on whether to honor or return those items.

Positive Pay & Reverse Positive Pay Check Fraud Protection

Associations can reduce the risk of check fraud by utilizing First Florida Integrity Bank’s check fraud prevention tool called Positive Pay. Positive Pay helps Associations against forged, altered and counterfeit checks. As your Association issues checks, simply transmit your issued checks log with check number, date, payee and dollar amount via our Cash Management Electronic Banking system to First Florida Integrity Bank. We'll match your issued items against checks presented for payment and alert you to any exceptions. The bank will withhold payment until the Association advises the bank to accept or reject the check. (This service also includes Payee Positive Pay.)

With Reverse Positive Pay, an issue file is not needed and all checks are presented to you to review and decision. This is considered a self-monitored positive pay system. The Association must alert the bank when it declines a check.

ICS - Insured Cash Sweep

Loans & Financing Solutions

  • Local Decision Making
  • Loans for Repairs and Capital Improvements
  • Operating Lines of Credit
  • Line of Credit for Insurance Deductibles
  • Insurance Premium Financing
Lock Box
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Remittance Processing (Lockbox) provides Associations a rapid, fully automated and accurate processing solution. It is the most widely used and effective tool available for accelerating the collection of mail-based payments from unit owners thus improving cash flow for Associations. Payments come directly to the bank, processed and deposited directly into the Association’s account. The Association’s remittance documents are scanned, payment information is captured, and clearing updates are transmitted to the Association’s accounts receivable.

First Florida Integrity Bank’s lockbox system is a state-of-the-art system that provides convenient processing of high volume payments for your Association.

The streamlined remittance process provides features such as:

  • Owned and operated by First Florida Integrity Bank and located in Florida
  • Service can be customized for individual Association needs
  • First Florida Integrity Bank’s Lockbox system is compatible with most Association accounting software
  • Eliminate trips to the bank for Association deposits
  • Designated PO Box for your Association
  • Streamline Association collections and funds availability
  • Timely and accurate of Association remittance details
  • Efficient same day processing of Association payments received as well as exceptions to those payments
  • Eliminate the need for Associations to manually post checks
  • Associations will be able to search transactions with easy-to-use web-based reporting tools
Merchant Services
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Merchant Services

First Florida Integrity Bank’s Merchant Services makes it easy to offer homeowners a wide range of credit card payment options. We provide the same superior customer service with personalized, local support that you know you can count on. Expand your revenue capabilities when you accept Visa®, MasterCard®, American Express® and Discover®.

  • We offer Associations multiple processing methods to suit their needs including: Point-of-Sale (POS), Virtual Terminals, Mobile Devices and Online Payments
  • We provide onsite set up and training for our Associations by First Florida Integrity Bank’s Merchant Services professionals
  • We provide Associations with a complimentary competitive rate quote with attractive contract terms
  • We offer local customer service and technical support to Associations along with toll-free help desk assistance 24/7, 365 days a year
  • Associations will receive funds the next business day when depositing into your First Florida Integrity Bank account

For more information on merchant services,
contact or call 239-325-5766

Remote Deposit Capture
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Remote Deposit Capture (RDC)

Remote Deposit Capture (RDC) from First Florida Integrity Bank allows your company to electronically deposit checks, money orders, and certified checks the moment you receive them, without leaving the office.

The digital deposit is then transmitted (over an encrypted Internet connection) to First Florida Integrity Bank, who accepts the deposit and posts the deposit to your account

Options Include:

  • Scan your deposits from your desk
  • Improve efficiency and profitability
  • Eliminate trips to the bank. 24 hours a day, 7 days a week, with next day availability on your funds
  • Same day deposit up to 7:00 pm EST on regular business days
  • Onsite set up with Training
  • Retrieve images of deposited checks (front and back) for life of account
  • Set up multiple RDC users each with specific system level entitlements
  • RDC service can accommodate as many accounts as needed


Electronic Wire Transfers
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Electronic Wire Transfers - Domestic & International

First Florida Integrity Bank’s Electronic Wire Transfers allow you to initiate international and domestic wire transfers from your office. Wire transfers are safe, secure and immediate. Plus, you can establish recurring transfers, schedule in advance and receive notifications of incoming and outgoing wires. You can set up users with specific dollar limits within your company who are authorized to send and/or approve. You may conveniently approve wires on the go from your mobile phone or smart device.

First Florida Integrity Bank's wire transfers are safe, secure, and immediate. Fedwire, a Federal Reserve funds transfer system, is a real- time method of transferring immediate funds and supporting information between two financial institutions.

Options Include:

  • Set up repetitive or semi-repetitive wire transfers
  • Specify security levels (must meet First Florida Integrity Bank's minimum-security requirements)
  • Specify users at your company who are authorized to send and/or approve wires
  • Specify the dollar amount to send or approve
  • Email notifications of all incoming wires and outgoing wires
  • Electronic Wire Transfers - Hours of Operation:
    Domestic wires 8:00 a.m. to 5:00 p.m. EST
    International wires 8:00 am to 1:30 pm EST
    Incoming wire transfer posting 8:00 am to 5:00 pm EST

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Business Banking Services

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