Berry Farms
Location:
1004 Village Plains Boulevard
Franklin, Tennessee 37064
Includes ATM
Phone: (615) 591-2430
Lobby Hours:
Monday through Thursday: 8:30 a.m. – 4 p.m.
Friday: 8:30 a.m. – 5 p.m.
Saturday and Sunday: Closed.
Drive-Through Hours:
Monday through 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
- Home Equity Loans
- Credit Cards
- Online and Mobile Banking
- Investment Services (upon request)
- Certificate of Deposit
Business Banking Services
- Business Loans
- SBA Lending
- Business Checking Accounts
- Business Savings Accounts
- Business Credit Cards
- Online and Mobile Banking
Personal Banking FAQs
Which checking and savings accounts do you offer?
First Farmers offers checking and savings account options designed to support a variety of financial goals, spending habits, and stages of life. Our account options range from student and everyday checking to savings solutions intended to help customers prepare for future financial needs. Because every customer banks differently, our team works closely with you to help identify the right fit.
What should I consider when choosing a checking account?
Choosing the right checking account starts with understanding how you manage your finances, including purchases, direct deposits, bill payments, and account balances. At First Farmers, we offer account options designed to align with different financial habits while providing convenient access to banking services and support.
What’s the difference between a checking account and a savings account?
Checking accounts are intended for everyday transactions and spending, while savings accounts are designed to help customers set aside money and earn interest over time. Using both together can support stronger financial habits and long-term planning. At First Farmers, we encourage customers in Franklin and surrounding areas to maintain both accounts to support financial stability and future goals.
Is online and mobile banking secure?
Yes. First Farmers uses advanced security measures including encryption and continuous monitoring to help protect customer accounts and information. Customers can further improve security by using strong passwords, enabling multi-factor authentication, and avoiding access on unsecured public networks.
What should I do if I think there’s fraud on my debit or credit card?
Contact First Farmers immediately if you notice suspicious activity on your account. Prompt reporting allows us to help secure the account, block the card if necessary, and issue a replacement card. We also recommend customers throughout Franklin and surrounding areas monitor recent transactions, update passwords, and enable account alerts to help identify suspicious activity quickly.
What’s the difference between a personal loan and a line of credit?
A personal loan provides a one-time lump sum repaid over a structured period with fixed monthly payments, making it useful for planned expenses such as consolidating debt or financing a large purchase. A line of credit offers ongoing access to available funds up to an approved limit, allowing you to borrow, repay, and borrow again as needed throughout the draw period. At First Farmers, our team works closely with customers to understand their financial situation and help determine which borrowing option best supports their goals.
How can I improve my chances of getting approved for a loan?
When reviewing a loan application, First Farmers lenders consider factors such as credit history, income, debt-to-income ratio, and overall financial stability. Strengthening your credit, lowering existing debt, and maintaining reliable income can help improve your application. Our lenders are also available to discuss your financial picture, answer questions, and help you understand steps that may better prepare you for borrowing.
What is a home equity line of credit (HELOC), and when might it be a good option?
A home equity line of credit allows you to borrow against the available equity in your home while providing flexible access to funds during the draw period. Similar to a revolving line of credit, you can borrow funds as needed, repay them, and continue accessing available funds up to your approved limit. HELOCs are often used for renovations, education expenses, debt consolidation, and other major financial needs. Because your home serves as collateral, it’s important to borrow thoughtfully. Our lenders work with homeowners throughout Franklin and nearby communities to determine whether a HELOC supports their 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 financial habits and long-term goals. Debit cards withdraw funds directly from your First Farmers checking account, making them useful for everyday budgeting and avoiding interest charges. Credit cards can provide benefits such as rewards and purchase protections when balances are managed responsibly. We encourage customers to use both options thoughtfully to support healthy spending habits and long-term financial stability.
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 services include business checking and savings accounts, CDs, SBA and commercial lending solutions, treasury and cash management services, business credit cards, and online and mobile banking. We also provide retirement and investment resources to support business owners and their families. Backed by personalized service and local decision-making, our business banking team works closely with businesses to deliver tailored financial solutions.
How do I choose the right business checking account?
Choosing the right business checking account begins with evaluating your company’s transaction activity, deposit volume, payment methods, and cash flow needs. At First Farmers, we offer business checking solutions designed to support businesses with varying operational needs and transaction levels. Our team is available to help compare options and identify the account that best supports your business operations.
What’s the difference between business savings and a business CD?
Business savings accounts provide flexibility and access to funds while earning interest, making them useful for reserves and ongoing financial needs. Business CDs are fixed-term savings products intended for funds that can remain deposited for a set period and may offer a higher rate of return. At First Farmers, our business banking team can help determine which solutions best support your financial goals and cash flow strategy.
What types of business loans are available?
First Farmers offers business loan options designed to support companies at every stage of growth. Our lending solutions include term loans for planned investments, lines of credit for cash flow and working capital management, commercial real estate financing, and equipment loans for machinery, vehicles, and other operational assets. We also provide SBA lending solutions for qualifying businesses. Our business bankers work closely with you to understand your goals and recommend financing options that align with your operations and future growth plans.
What’s the difference between a business term loan and a line of credit?
Business term loans and business lines of credit are designed for different financing purposes. A business term loan provides a one-time lump sum repaid over a defined timeframe with structured payments, making it well-suited for planned investments and larger purchases. A business line of credit offers ongoing access to available funds up to an approved limit, allowing businesses to borrow, repay, and reuse funds as needed. At First Farmers, our business bankers work closely with businesses throughout Franklin and surrounding areas to determine which financing solution best supports their day-to-day operations and long-term business goals.
What is Treasury Management, and do I really need it?
Treasury Management refers to financial tools and services designed to help businesses improve cash flow management, streamline collections and payments, and reduce financial risk. First Farmers’ Treasury Management solutions provide businesses with greater visibility into account activity, increased operational efficiency, and added controls to help protect against fraud. While every business has different needs, these services often become increasingly valuable as transaction activity and operational complexity grow. Our team works with businesses in Franklin and nearby communities to identify solutions that best align with their financial operations.
What fraud-prevention tools are available for businesses?
First Farmers offers fraud-prevention tools designed to help businesses monitor account activity, manage transactions, and reduce financial risk. These tools include controls for ACH and check activity, payment approval services, account monitoring, and reporting tools that improve visibility into how funds move through your business. The most effective fraud-prevention strategy depends on your business operations, transaction activity, and account access needs. Our team works closely with businesses 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 nearly anywhere using a computer, tablet, or smartphone. These digital banking tools provide access to account information, transaction activity, bill pay services, and cash flow monitoring while allowing businesses to complete everyday banking tasks efficiently. Designed to support busy business owners, our digital banking solutions provide greater convenience and visibility 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 services. These solutions are designed to help businesses plan for long-term success while also supporting personal and family financial goals. From retirement planning and investment management to trust and legacy planning, our experienced team works closely with business owners throughout Franklin and surrounding communities to develop strategies that align with their long-term vision and help protect what they’ve built for future generations.
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