Cool Springs Office
Location:
300 Billingsly Court
Franklin, Tennessee, 37067
Includes ATM
Phone: (615) 771-6484
Fax: (615) 771-5059
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
- Mortgage 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
What types of checking and savings accounts do you offer?
At First Farmers, we offer checking and savings account options designed to fit a variety of financial goals, banking habits, and stages of life. From student and everyday checking accounts to savings solutions that support future planning, our team works closely with customers to help identify the account that best matches their needs and financial priorities.
How do I choose the right checking account for my needs?
The right checking account depends on how you typically manage your money, including spending habits, direct deposits, bill payments, and account balances. At First Farmers, we offer account options designed to support different financial lifestyles while helping provide convenient access to the banking tools and services customers throughout Franklin and surrounding areas use most.
What’s the difference between a checking account and a savings account?
Checking accounts are intended for everyday financial activity such as purchases and bill payments, while savings accounts help customers set aside money and earn interest over time. Using both accounts together can help support better money management and long-term financial stability. At First Farmers, we encourage customers to build healthy savings habits alongside everyday banking.
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 encryption and continuous monitoring to help protect customers throughout Franklin and nearby communities, including their accounts and personal information.
What should I do if I think there’s fraud on my debit or credit card?
If you suspect fraudulent activity on your account, contact First Farmers immediately. Reporting suspicious transactions quickly allows us to help secure your account, block the card if needed, and issue a replacement. We also recommend monitoring recent activity, updating passwords, and enabling account alerts to help identify potential fraud.
What’s the difference between a personal loan and a line of credit?
A personal loan provides a one-time lump sum that is repaid over a set period with fixed monthly payments, making it a strong option for planned expenses such as debt consolidation or financing a large purchase. A line of credit offers flexible, ongoing access to funds up to an approved limit, allowing you to borrow only what you need, repay it, and borrow again during the draw period. At First Farmers, our team works closely with customers to understand their financial needs and help determine which borrowing solution best supports their goals.
How can I improve my chances of getting approved for a loan?
When evaluating a loan application, First Farmers lenders consider several important factors, including credit history, income, debt-to-income ratio, and overall financial stability. Improving your credit profile, reducing outstanding debt, and maintaining reliable income can help strengthen your application. Our lenders are available to customers throughout Franklin and surrounding areas to review their financial situation, answer questions, 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 equity you’ve built in your home while providing flexible access to funds up to an approved limit. Similar to a revolving line of credit, funds can be used as needed, repaid, and borrowed again during the draw period. HELOCs are commonly used for home renovations, education expenses, debt consolidation, and other major financial needs. Because your home serves as collateral, it’s important to borrow carefully. At First Farmers, our lenders work closely 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, budgeting preferences, and financial goals. A debit card withdraws funds directly from your First Farmers checking account, making it a helpful option for managing day-to-day spending and avoiding interest charges. Credit cards, when used responsibly, can provide benefits such as rewards and purchase protections. We encourage customers to use both tools thoughtfully and select the option that best supports their financial habits and long-term financial health.
Business Banking FAQs
What business banking services do you offer?
First Farmers provides a full range of business banking services designed to support businesses through every stage of growth. Our offerings include business checking and savings accounts, CDs, commercial lending solutions including SBA loans, treasury and cash management services, business credit cards, and secure online and mobile banking. Backed by local decision-making and personalized service, our business banking team works closely with businesses throughout Franklin and nearby communities to deliver financial solutions tailored to their business needs.
How do I choose the right business checking account?
Choosing the right business checking account starts with understanding your company’s day-to-day financial activity, including transaction volume, deposit needs, ACH payments, wires, and bill pay usage. At First Farmers, we offer business checking options designed to support businesses with different operational needs and activity levels. Our team is available to review your business goals 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 when managing company funds. A business savings account provides flexible access to money while earning interest, while a business CD is designed for funds that can remain untouched for a fixed period in exchange for a potentially higher return. At First Farmers, our business banking team works with businesses in Franklin and surrounding areas to determine which solutions best support their cash flow and long-term planning 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 options include term loans for planned investments, lines of credit to help manage working capital and cash flow, commercial real estate loans for purchasing or refinancing property, and equipment financing for vehicles, machinery, and other essential assets. We also provide SBA lending solutions with flexible terms for qualifying businesses. Our experienced business bankers work closely with you to understand your goals and recommend financing solutions that align with your operations and long-term plans.
What’s the difference between a business term loan and a line of credit?
Business term loans and lines of credit are designed to serve different financing needs. A business term loan provides a one-time lump sum repaid over a structured period with scheduled payments, making it well-suited for planned investments such as equipment purchases, expansions, or facility improvements. A business line of credit provides ongoing access to funds up to an approved limit, allowing businesses to borrow, repay, and borrow again as needed. At First Farmers, our business bankers work closely with you to determine which financing option best supports your operational and financial goals.
What is Treasury Management, and do I really need it?
Treasury Management refers to a collection of financial tools and services designed to help businesses manage cash flow, streamline collections and payments, and reduce financial risk. First Farmers’ Treasury Management solutions help improve visibility into account activity, increase efficiency in how money moves through your business, and add controls that help protect against fraud. While not every business requires advanced treasury services initially, these tools often become increasingly valuable as businesses grow and transaction activity becomes more complex. 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 a range of fraud-prevention tools designed to help businesses monitor account activity, manage transactions, and reduce exposure to financial risk. These solutions include ACH and check controls, payment approvals, account monitoring, and reporting capabilities that improve visibility into account activity and cash flow. The most effective fraud-prevention strategy depends on factors such as transaction volume, payment methods, and the number of users accessing your accounts. Our Treasury Management team works closely with businesses to recommend tools 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. These digital banking tools provide convenient access to account information, transaction activity, bill pay services, and cash flow monitoring while allowing businesses to complete everyday banking tasks anytime and anywhere. Designed to support busy business owners, our online banking solutions provide greater visibility and control while still backed by local support from our team, serving Franklin and surrounding communities.
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 business owners plan for the future of their business 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 you to create long-term strategies that help protect what you’re building today and for future generations.
