Comprehensive FDIC-insured commercial and savings bank network along Main Street (State Road 77) and Church Avenue in Chipley (32428), anchored by First Federal Bank at 1012 Main Street, Chipley, FL 32428 ((850) 638-7891, FDIC Certificate #31313, OCC Charter #706707, NMLS #408902) alongside three neighboring brick-and-mortar Chipley FDIC bank branches: (1) Regions Bank at 862 Main Street, Chipley, FL 32428 ((850) 239-9900 / 1-800-734-4667, FDIC Certificate #12368, NMLS #174490, Regions Investment Solutions / Wealth Management); (2) Wells Fargo Bank, N.A. at 1281 Church Avenue, Chipley, FL 32428 ((850) 638-7677, FDIC Certificate #3511, OCC Charter #1, NMLS #399801, Wells Fargo Advisors access); and (3) PeoplesSouth Bank at 1615 Main Street, Chipley, FL 32428 ((850) 415-1320, FDIC Certificate #21292, NMLS #510903). Together with Capital City Bank (washington-007), these four institutions represent the remaining brick-and-mortar FDIC-insured banks in Washington County, offering retirees FDIC-insured Certificates of Deposit (CDs), Traditional and Roth IRAs, revocable living trust and estate settlement accounts, Qualified Income Trust (Miller Trust) checking accounts for Florida Medicaid Long-Term Care applicants, safe deposit boxes for original wills, and in-person notary services.
Official Verification Sources: FDIC BankFind Suite — Official Institution & Chipley Branch Directory; First Federal Bank — Chipley Location (1012 Main St — FDIC #31313); PeoplesSouth Bank & Regions Bank — Chipley Main Street Branches
Issuer: Federal Deposit Insurance Corporation (FDIC) & Office of the Comptroller of the Currency (OCC)
Notes: Verified 2026-10-23 via FDIC BankFind Suite: (1) First Federal Bank, 1012 Main St, Chipley, FL 32428 ((850) 638-7891, FDIC Cert #31313, NMLS #408902). (2) Regions Bank, 862 Main St, Chipley, FL 32428 ((850) 239-9900, FDIC Cert #12368, NMLS #174490). (3) Wells Fargo Bank, N.A., 1281 Church Ave, Chipley, FL 32428 ((850) 638-7677, FDIC Cert #3511, OCC Charter #1, NMLS #399801). (4) PeoplesSouth Bank, 1615 Main St, Chipley, FL 32428 ((850) 415-1320, FDIC Cert #21292, NMLS #510903). Note: Sunny Hills, Vernon, Caryville, Wausau, and Ebro have 0 brick-and-mortar FDIC bank branches; all 5 FDIC banks in Washington County are located in Chipley (32428).
Factual details and direct answers about First Federal Bank — Chipley Branch (with Regions Bank, Wells Fargo Bank & PeoplesSouth Bank Chipley Main Street Branches)'s services, licensing, and credentials.
How many FDIC-insured bank branches operate in Washington County, and where are they located?
Washington County has exactly five (5) brick-and-mortar FDIC-insured bank branches, all located in the county seat of Chipley (32428): First Federal Bank at 1012 Main Street ((850) 638-7891, FDIC #31313), Regions Bank at 862 Main Street ((850) 239-9900, FDIC #12368), Wells Fargo Bank at 1281 Church Avenue ((850) 638-7677, FDIC #3511), PeoplesSouth Bank at 1615 Main Street ((850) 415-1320, FDIC #21292), and Capital City Bank at 1424 Jackson Avenue ((850) 638-0595, FDIC #6384). Sunny Hills, Vernon, Caryville, Wausau, and Ebro have zero local bank branches.
Can Chipley bank branches open a Qualified Income Trust (Miller Trust) checking account for a senior applying for Florida Medicaid Long-Term Care?
Yes. When an elder law attorney drafts an irrevocable Qualified Income Trust (Miller Trust) for a senior whose monthly gross income exceeds the Florida Medicaid ICP or SMMC Long-Term Care income cap, local Chipley branches of First Federal Bank, Regions Bank, Wells Fargo, PeoplesSouth Bank, and Capital City Bank can establish the dedicated non-interest-bearing trust checking account required by DCF and AHCA.
Connect with complementary legal, financial, and residential providers serving seniors in Chipley and Washington County.
The Law Office of Kristi Miller Novonglosky, P.A. (Kristi Miller Novonglosky, Esq. — Chipley Probate, Trust & Real Property Counsel)
Chipley, Washington County
(850) 638-7587
Chipley Housing Authority, NWFRHA Section 8 & Washington County SHIP Program
Chipley, Washington County
(850) 638-0134
Washington Rehabilitation and Nursing Center (Chipley 180-Bed Skilled Nursing, Post-Acute Rehab & Memory Care)
Chipley, Washington County
(850) 638-4654
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Strategic Wealth Specialists — Gavin A. Taylor & Kristopher 'Kris' Graham (Park Avenue Securities LLC — Chipley Branch)
Chipley, Washington County
Southern Financial Group — Josh W. Parrish & Wayne White (J.W. Cole Financial, Inc. / Southern Financial Group, LLC — Chipley Office)
Chipley, Washington County
Capital City Bank — Chipley Branch & Capital City Trust / Strategic Wealth (Seth Jones, Trust Officer & Ben Welter, CPFA® — with One Florida Bank / Hancock Whitney Chipley)
Chipley, Washington County
Hare Taylor, LLC (G. Chuck Taylor, CPA) & Steverson & Associates, P.A. / Stephen B. Register, Jr., P.A., CPA — Chipley Certified Public Accountants & Retirement Tax Advisors
Chipley, Washington County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.