ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

ATTENTION: Online & Mobile banking are currently unavailable. Our home banking vendor is aware of the issue and is working to resolve it. For immediate banking assistance, please call us at 585.586.8225.

All Family First branches and the Call Center will be closed on Thursday, June 19 for Juneteenth. We hope you have a safe and enjoyable holiday! 

Family First’s Home Banking and Mobile App are currently intermittently unavailable. Our vendor is aware of this and is working to remedy the situation. We apologize for any inconvenience this may cause. 

Business Banking

Simplify your banking. Grow your business.

Whether you’re just getting started or growing your small business, we’ve got the tools to simplify your banking—so you can focus on what matters most. Take advantage of valuable features like high-yield checking and savings accounts, free digital banking tools, no minimum balance requirements or monthly maintenance fees, and access to over 30,000 fee-free ATMs and branches nationwide through the Shared Branch Network. At Family First, we’re here every step of the way to help your business thrive.

Business Products

Unlock the earning potential of your everyday business banking with our Bonus Business Checking. Earn interest on your checking balance when you maintain a minimum of $1,500 – giving your money more room to grow while keeping it accessible for your business needs.

Additional Benefits:

  • Free Visa® Business Debit Card
  • $1,500 Courtesy Pay
  • First 500 Transactions Free

See Checking Rates >

Certificates of Deposit (CDs) are a smart, low-risk investment option designed to help you build your financial future with confidence. At Family First, you’ll enjoy competitive dividend rates that are compounded daily and automatically reinvested. Choose from flexible terms ranging from 3 to 60 months to fit your savings goals. Get started with a minimum opening deposit of just $500.

See Investment Rates >

Perfect for members who are growing their savings, our MoneyBuilder offers competitive dividends with more flexibility than a Certificate of Deposit. With tiered rates that reward higher balances, it’s a great way to earn more as you save more, without committing to a fixed term.

See Investment Rates >

Designed for members who maintain higher balances, our Money Market Gold account offers competitive dividends—without locking your money into a fixed term. And the more you save, the more you earn: as your balance grows, you’ll automatically move up through our tiered rates and enjoy even higher dividends.

See Investment Rates >

Business Credit Cards

Family First offers a suite of Visa® Business Credit Cards that are designed to fit your unique business needs. Choose from four top-rated card options, each offering a range of valuable benefits:

  • Competitive low interest rates
  • Cash back on everyday business purchases
  • Flexible rewards programs
  • Free online expense reporting tools
  • 24/7 Cardmember Service

Commercial Real Estate

You’re in business to succeed – we’re in business to help you get there! With commercial lending options designed to fit your needs and backed by the strength of our community, we make financing simple and rewarding.

Business Banking Tools

Running a business means more than just deposits and loans. Our electronic business banking tools allow you to optimize your business at any level.

Online & Mobile Banking

  • Free Mobile App
  • Bill Pay
  • Remote Check Deposit

Merchant Sales Processing

Family First is partnered with Sales Sense Payments, a WNY payment company that understands our local business market. They provide everything you need to easily accept credit cards and electronic payments from your customers. Ready to get started? Talk to Mike Krause today to find out what Sales Sense can do for your business!

Joining is Easy

Stop in and see what the Family First experience is all about

Convenience at your fingertips

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