21st Avenue Office
Location:
2306 21st Avenue South
Nashville, Tennessee, 37212
Phone: (615) 279-5218
Lobby Hours:
Monday-Thursday:8:30 a.m. – 4 p.m.
Friday: 8:30 a.m. – 5 p.m.
Saturday and Sunday: Closed.
Drive-Through Hours:
Monday-Thursday:8:30 a.m. – 4 p.m.
Friday: 8:30 a.m. – 5 p.m.
Saturday and Sunday: Closed.
Personal Banking Services
- Checking Accounts
- Savings Accounts
- Personal Loans
- Mortgage Loans
- Home Equity Loans
- Credit Cards
- Online and Mobile Banking
- Certificate of Deposit
- IRA Services
- Trust Management
- Wealth Management
- Retirement Services
Business Banking Services
- Business Loans
- SBA Lending
- Business Checking Accounts
- Business Savings Accounts
- Business Credit Cards
- Online and Mobile Banking
Personal Banking FAQs
What types of checking and savings accounts do you offer?
First Farmers provides a variety of checking and savings account options designed to fit different financial goals, banking habits, and stages of life. From student and everyday checking accounts to savings solutions that help customers prepare for the future, our team takes a personalized approach to helping you choose the right fit for your financial needs.
How do I choose the right checking account for my needs?
The right checking account depends on how you manage your money, including everyday spending, direct deposits, bill payments, and maintaining balances. At First Farmers, we offer checking account options designed to support a variety of financial habits while helping minimize fees and provide convenient access to banking services. Our team is available to help customers throughout Nashville and surrounding areas compare options and select the account that best aligns with their goals.
What’s the difference between a checking account and a savings account?
Checking accounts are designed for day-to-day transactions such as purchases and bill payments, while savings accounts help customers set money aside and earn interest over time. Using both accounts together can help improve money management and support long-term financial planning. At First Farmers, we encourage customers in Nashville and nearby communities to use checking for everyday needs while building savings for future goals and financial stability.
Is online and mobile banking secure?
Yes. Online and mobile banking are secure when customers follow recommended security practices such as using strong passwords, enabling multi-factor authentication, and avoiding public Wi-Fi. First Farmers also uses advanced security measures, including encryption and continuous account monitoring, to help protect customer information and accounts.
What should I do if I think there’s fraud on my debit or credit card?
If you notice suspicious activity on your debit or credit card, contact First Farmers immediately. Prompt reporting allows us to help secure your account, block the card if necessary, and issue a replacement. We also encourage customers to monitor recent transactions, update passwords regularly, and enable account alerts to help detect fraudulent activity quickly.
What’s the difference between a personal loan and a line of credit?
A personal loan provides a fixed amount of money that is repaid over time with structured monthly payments, making it a good option for planned expenses or larger purchases. A line of credit provides flexible access to funds up to an approved limit, allowing you to borrow and repay funds as needed. At First Farmers, our team works closely with you to determine which borrowing option best supports your financial needs and goals.
How can I improve my chances of getting approved for a loan?
When evaluating a loan application, First Farmers considers factors such as credit history, income, debt-to-income ratio, and overall financial stability. Strengthening your credit profile, reducing existing debt, and maintaining consistent income can improve your chances of approval. Our lenders are available to customers throughout Nashville and surrounding areas to discuss their financial situation and help them better prepare for the borrowing process.
What is a home equity line of credit (HELOC), and when might it be a good option?
A home equity line of credit (HELOC) allows you to borrow against the available equity in your home while providing ongoing access to funds up to an approved limit. Similar to a revolving line of credit, funds can be used, repaid, and borrowed again during the draw period. HELOCs are often used for home improvements, education expenses, debt consolidation, and other major financial needs. At First Farmers, our lenders work with you to determine whether a HELOC aligns with your financial goals and borrowing needs.
How do I decide between a debit card and a credit card for everyday purchases?
Choosing between a debit card and a credit card depends on your spending habits and financial goals. Debit cards pull funds directly from your checking account, helping customers manage spending and avoid interest charges, while credit cards can offer rewards and purchase protections when used responsibly. At First Farmers, we encourage customers to use both tools thoughtfully to support healthy budgeting and long-term financial health.
Business Banking FAQs
What business banking services do you offer?
First Farmers offers a comprehensive range of business banking services designed to support businesses through every stage of growth. Our solutions include business checking and savings accounts, certificates of deposit (CDs), SBA and commercial lending options, treasury and cash management services, business credit cards, and secure online and mobile banking. We also provide retirement and investment resources to help business owners and their families plan for the future. Our business banking team works closely with businesses throughout Nashville and nearby communities to deliver personalized financial solutions backed by local decision-making.
How do I choose the right business checking account?
Choosing the right business checking account starts with understanding your company’s transaction activity, deposit needs, and cash flow management. Factors such as ACH activity, wires, bill pay usage, and transaction volume can all influence which account is the best fit. At First Farmers, we offer business checking options designed to support businesses of different sizes and activity levels. Our team is available to review your operational needs and help identify the right account.
What’s the difference between business savings and a business CD?
Business savings accounts and business CDs each serve different purposes in managing company funds. A business savings account provides flexibility and allows businesses to access funds as needed while earning interest. A business CD is a fixed-term savings solution designed for funds that are not needed immediately and may offer a more competitive rate. At First Farmers, our business banking team can help evaluate your cash flow needs and determine how to use both solutions to support your financial goals.
What types of business loans are available?
First Farmers offers a variety of business loan solutions designed to support businesses at every stage of growth. These include term loans for planned investments, lines of credit for working capital and cash flow management, commercial real estate loans, equipment financing, and SBA lending options for qualifying businesses. Our experienced business bankers work closely with you to understand your operational goals and recommend financing solutions tailored to your business needs.
What’s the difference between a business term loan and a line of credit?
A business term loan provides a fixed amount of financing repaid over a structured timeframe, making it a strong option for planned purchases, facility improvements, or equipment investments. A business line of credit offers ongoing access to funds up to an approved limit, allowing businesses to borrow and repay as needed. At First Farmers, our business bankers help evaluate which financing solution best aligns with your short-term operational needs and long-term growth plans.
What is Treasury Management, and do I really need it?
Treasury Management includes financial tools and services designed to help businesses manage cash flow, improve efficiency, streamline collections and payments, and reduce financial risk. First Farmers’ Treasury Management solutions help businesses gain greater visibility into account activity while adding controls to help protect against fraud. These services often become increasingly important as operations and transaction volume grow. Our Treasury Management team works closely with businesses to recommend solutions that align with operational needs.
What fraud-prevention tools are available for businesses?
First Farmers offers fraud-prevention tools designed to help businesses monitor transactions, manage account activity, and reduce exposure to financial risk. These tools include ACH and check controls, payment approval services, account monitoring, and reporting capabilities that improve visibility into account activity. Our team works with businesses in Nashville and surrounding areas to recommend solutions that help protect operations while maintaining efficiency.
What can I do with Business Online & Mobile Banking?
First Farmers’ Business Online and Mobile Banking allows businesses to securely manage finances from a computer, tablet, or smartphone. Businesses can access account information, monitor transaction activity, manage bill pay, and oversee cash flow from virtually anywhere. Designed to support busy business owners, these digital banking tools provide greater convenience and control while still backed by local support from the First Farmers team.
Do you offer retirement and investment support for business owners?
Yes. First Farmers offers retirement and investment services for business owners through our Wealth Management and Trust Department. Business owners throughout Nashville and surrounding communities can work with our experienced team on retirement planning, investment management, trust services, and long-term financial strategies designed to support both business and personal financial goals for years to come.
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