Personal Checking
Checking accounts built for you.
Whether you are a long-time customer or opening your first checking account, we offer a range of checking products aimed to fit the needs of everyone we serve. From our online banking platform that offers access to your account at anytime from anywhere, to the security of EMV chip technology in all new debit cards, First Farmers is here.
President’s Club
The President’s Club checking account includes special benefits like free or discounted checks and foreign ATM charges waived.
Primary Features
- Non interest bearing
- $100 minimum to open
- $500 minimum daily balance
- $5 maintenance fee if balance is below $500
- Unlimited check writing
- Free debit card
- No transaction limits
- Online banking with Bill Pay
- Mobile banking with free deposit
Additional Features
- Visa® credit card with no annual fee (subject to approval)
- ATM surcharges are refunded**
- Free President’s Club checks
- 30% off designer checks
- Free notary services
Additional Requirements
- Must accept electronic statements and use President’s Club debit card to receive ATM refunds
Interest Checking
Earn interest on your checking account, plus gain access to all of our standard personal checking services with the Interest Checking Account.
Primary Features
- Interest bearing
- $100 minimum to open
- $1,000 minimum daily balance
- $15 maintenance fee if balance is below $1,000
- Unlimited check writing
- Free debit card
- No transaction limits
- Online banking with Bill Pay
- Mobile banking with free deposit
Additional Features
- Visa® credit card with no annual fee (subject to approval)
- Free notary services
Regular Checking
Get standard personal checking services with our Regular Checking accounts.
Primary Features
- Non interest bearing
- $100 minimum to open
- $750 minimum daily balance
- Variable maintenance fee
- $6 – Daily Balance of $500 – $749.00
- $7 – Daily Balance of $300 – $499.99
- $8 – Daily Balance of $0 – $299.99
- Unlimited check writing
- Free debit card
- No transaction limits
- Online banking with Bill Pay
- Mobile banking with free deposit
Additional Features
- Visa® credit card with no annual fee (subject to approval)
- Free notary services
Free Checking
There’s no minimum monthly balance required with our Free Checking account.
Primary Features
- Non interest bearing
- $50 minimum to open
- No minimum daily balance
- No monthly maintenance fees
- Unlimited check writing
- Free debit card
- No transaction limits
- Online banking with Bill Pay
- Mobile banking with free deposit
Additional Features
- Visa® credit card with no annual fee (subject to approval)
- Free notary services
Additional Requirements
- No cancelled checks or images returned with statement (use of duplicate checks suggested)
Chairman’s Club
The Chairman’s Club is an interest-bearing checking account with services and benefits for those over the age of 50. This account includes offers as such as higher rates on CDs and discounted safe deposit boxes.
Primary Features
- Interest bearing
- $1,000 minimum to open
- $1,000 minimum daily balance
- $10 monthly maintenance fee if balance falls below $1,000
- Unlimited check writing
- Free debit card
- No transaction limits
- Online banking with Bill Pay
- Mobile banking with free deposit
Additional Features
- Visa® credit card with no annual fee (subject to approval)
- Earn higher rates on CDs
- Discount on safe deposit boxes
- Free cashier’s checks
- Free Chairman’s Club checks
- 40% off designer checks
- Free notary services
Student Checking
Our Student Checking accounts are available for full-time students under the age of 23. If over 23, you must provide proof of current enrollment to be eligible.
Primary Features
- Non interest bearing
- $25 minimum to open
- No minimum daily balance
- No monthly maintenance fees
- Unlimited check writing
- Free debit card
- No transaction limits
- Online banking with Bill Pay
- Mobile banking with free deposit
Additional Features
- Visa® credit card with no annual fee (subject to approval)
- ATM surcharge refunded (up to $3 maximum per transaction)**
- Free notary services
Additional Requirements
- Must accept electronic statements and Student Checking Card must be used to receive ATM refunds
* Interest accrues daily and paid monthly. Interest is subject to change without notice.
** Must accept monthly electronic statements.
Debit Cards
When you open a First Farmers checking account, you will receive a Visa® debit card. First Farmers debit cards can be used anywhere Visa® is accepted around the world. Personal debit cards can be used at ATMs and to make purchases directly from your checking account.
Online & Mobile Banking
Now you can connect to your money when you want to, using your favorite device. First Farmers online banking allows you to manage your accounts and pay bills with the click of a button. Our convenient mobile app lets you deposit checks with the snap of a photo. It’s everything you love about First Farmers with the ease of today’s latest technology.
Explore more banking solutions.
Savings Accounts
Get a traditional savings account.
Christmas Club
Save for the holidays the easy way.
Certificates of Deposit
Save money with the trusted security of CDs.
