We're here for you. COVID-19 Resource Center

Switching made easy.

Introducing ClickSWITCH, the easier way to make the switch to Mutual Federal.

Financial Know-how

The KNOW is an online financial education program designed to help you better manage your money.

The safety and welfare of the communities that we serve is a top priority and like you, we are monitoring the latest developments that may assist you as a business owner. Here is what we know now about the legislation that was passed on Friday.

Small Business Guide & Checklist

Mutual Federal, a division of First Bank Richmond, will participate in the Paycheck Protection Program. We will publish additional information on how to apply later this week or as soon as the guidelines are released.

Need help getting started? Feel free to call (937) 498-1195

How can we do great things together for you?

I want a checking account

Whether you want just the basics or an account with added benefits, we have an account to fit your financial needs.

I want to buy
a vehicle

Shop for your new car, truck or SUV with confidence once we guide you through the process.

I want to buy
a home

From building to buying, or taking out equity on your current home, we have options to help you meet your goals.

I want to bank on the go

Managing your money is easier than ever with the many features of our online and mobile banking products.

We are committed to providing the very best service.

5 Convenient Locations

Top-notch Products For All Of Your Banking Needs

Exceptional Customer Service

This new Image Bar is super-fantastic.

Banking For You:
Online or On The Go

Securely check your
balance and
transaction history.

Stay on top of your money with mobile alerts and notifications.

Get your time back by depositing checks anytime, anywhere.

Optimize the benefits of your Modern Fit account with Secure Checking.

Send money without missing a beat with My People Pay.

COMING SOON Find a surcharge-free ATM anywhere with the Allpoint Network.

Choose Mutual Federal as a partner for all of your needs!

“Mutual Federal is wonderful. I have been banking here for almost 40 years! ”

- Richard C.

“I bank at Mutual because it's the best customer service you can get! They make you feel like family and go above and beyond to help you and to meet your needs.”

- Nicole B.

“I was inquiring about a HSA account and had called the bigger banks and did not get a response. I called Mutual Federal and got the information and the account that I needed. I like the feeling of the Hometown Bank.”

- Joellen & Paul W.

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We're here for you.

The safety and welfare of the communities we serve is a top priority and like you, we are monitoring the latest developments that may assist you. We have created a page to keep you informed as the situation continues to evolve.

COVID-19 Resource Center

We are accepting and submitting small business applications for the Paycheck Protection Program (PPP). If you are interested, please fill out the application, payroll summary spreadsheet, supply the necessary supporting documentation and contact your lender. Applications are limited to Bank customers only.

Switching made easy.

Financial Know-how