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Our lobbies are now open! However, due to concerns and risk of Coronavirus COVID-19, we will limit the number of customers in our lobbies and we request that you please wear a mask when entering our branches. Our drive-thru services as well as our Mobile, Online Banking and ATMs will continue to be available.

  • Fernandina Beach
    Map ATM
    1500 Sadler Road
    Fernandina Beach, FL 32034
    Get Directions
    Phone:(904) 432-3125
    Lobby Hours
    Mon - Thurs 9:00 AM - 4:30 PM
    Fri9:00 AM - 5:00 PM
    Drive Through Hours
    Mon - Thurs9:00 AM - 4:30 PM
    Fri9:00 AM - 5:00 PM


Make a positive impact on the commmunities we serve through offering creative solutions.


To be a dynamic organization passionately committed to making tomorrow better than today for our employees, customers, and communities we serve.

Core Values:

  • SERVICE — We honor and give back to our communities and believe it is important for us to be philanthropic, giving of our time, resources and expertise where it is most needed.
  • FLEXIBILITY — We offer dynamic financial products to meet our customers' unique needs.
  • RESPONSIVENESS — We are committed to a timely personal response to our customers.
  • COMMITMENT — Our employees, our customers and our communities are our priority.
  • COMPASSION — We are always there to help our customers and colleagues as they face the inevitable challenges in their lives.