Operating Hamilton County's sole brick-and-mortar FDIC-insured commercial/savings bank branch at 507 Hatley Street W, Jasper, FL 32052 ((386) 792-2400, featuring full lobby service, drive-thru lanes, and a 7:00 AM–7:00 PM live-video Interactive Teller Machine [ITM]) alongside Hamilton County's only dedicated bank ATM in White Springs at 16523 Spring Street, White Springs, FL 32096, First Federal Bank (FDIC Certificate #31313 / OCC Institution #31313, Florida Sunbiz Trademark Doc# T08000000394, chartered 1962 in neighboring Lake City with $4.49 billion in assets and $3.44 billion in deposits) holds 100% of Hamilton County's in-county FDIC-insured bank deposits. Following the historical closures and consolidations of early local banks—including First National Bank of Jasper (Charter #7757, closed 1930), Commercial Bank of Jasper, and Hamilton County Bank (acquired by Barnett Bank and merged into NationsBank/Bank of America, whose Jasper office later closed)—and with zero (0) physical bank branches in Jennings (32053) or White Springs (32096), First Federal Bank serves as the primary retirement depository for Hamilton County seniors. The Jasper branch provides FDIC-insured Traditional and Roth Individual Retirement Account (IRA) Certificates of Deposit (insured up to $250,000 separately from regular deposit accounts), fixed-rate retirement CD ladders, tiered money market accounts, senior checking with direct deposit for Social Security, Florida Retirement System (FRS), Nutrien/PCS Phosphate White Springs pensions, and VA compensation, Florida Chapter 709 Durable Power of Attorney and Payable-on-Death (POD) probate-avoidance account titling, safe deposit boxes for original wills and property deeds, and in-branch notary services, backed by First Federal's nearby Live Oak branch (804 S Ohio Ave, (386) 362-3433) and Lake City headquarters (4705 W US Hwy 90, (386) 755-0600).