Mt. Pleasant Office
Location:
128 North Main Street
Mt. Pleasant, TN, 38474
Includes ATM
Phone: (931) 379-3292
Fax: (931) 379-0502
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: 7:30 a.m. – 4 p.m.
Friday: 7:30 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 a variety of checking and savings accounts designed to fit different financial habits, goals, and stages of life. Our options include everyday and student checking accounts along with savings solutions that help customers prepare for the future. Our local banking team works closely with customers to help identify the right account based on their financial needs.
How do I choose the right checking account for my needs?
When selecting a checking account, it’s important to consider how you manage everyday spending, direct deposits, bill payments, and account balances. At First Farmers, we offer checking account options designed to support a range of banking habits while helping provide convenient access to services and minimize fees. Our team is available to help customers throughout Mt. Pleasant and surrounding areas compare options and select the right fit.
What’s the difference between a checking account and a savings account?
Checking accounts are made for everyday financial transactions, while savings accounts help you set aside money and earn interest over time. Using both together can support healthy financial habits and long-term planning. At First Farmers, we encourage customers to use savings accounts alongside checking to support financial stability and future goals.
Is online and mobile banking secure?
Yes. Online and mobile banking are secure when you follow best practices such as creating strong passwords, enabling multi-factor authentication, and avoiding public Wi-Fi access. First Farmers also uses advanced security measures, including encryption and continuous monitoring, to help protect customer accounts.
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. Prompt reporting allows us to secure the account, block the card, and issue a replacement if necessary. We also recommend reviewing recent transactions and enabling 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 fixed amount of money repaid through scheduled monthly payments, making it useful for planned expenses or large purchases. A line of credit provides flexible access to funds up to an approved limit, allowing you to borrow, repay, and borrow again as needed. Our Mt. Pleasant team helps customers throughout the city and nearby communities determine which borrowing solution best supports their financial needs.
How can I improve my chances of getting approved for a loan?
When reviewing applications, First Farmers considers factors such as income, credit history, debt obligations, and overall financial stability. Strengthening your credit, lowering debt, and maintaining reliable income can help improve approval chances. Our lenders are available to customers in Mt. Pleasant and surrounding areas to review their financial picture and help answer questions about the borrowing process.
What is a home equity line of credit (HELOC), and when might it be a good option?
A HELOC allows homeowners to borrow against available home equity while maintaining ongoing access to funds throughout the draw period. These funds are often used for renovations, education expenses, debt consolidation, and other major purchases. At First Farmers, our lenders work with you to determine whether a HELOC supports your financial goals and borrowing needs.
How do I decide between a debit card and a credit card for everyday purchases?
Debit cards withdraw funds directly from your checking account, making them a good option for budgeting and managing daily spending. Credit cards may offer rewards, purchase protections, and credit-building opportunities when used responsibly. At First Farmers, we encourage customers to choose the option that best aligns with their financial habits and goals.
Business Banking FAQs
What business banking services do you offer?
At First Farmers, we offer a full range of business banking services designed to support businesses at every stage of growth. Our services include business checking and savings accounts, certificates of deposit (CDs), lending options including SBA loans, 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. Backed by local decision-making and personalized service, our business banking team works closely with businesses throughout Mt. Pleasant and nearby communities to deliver solutions tailored to their operational and financial needs.
How do I choose the right business checking account?
Choosing the right business checking account starts with understanding how your business manages transactions, deposits, and cash flow. Factors such as transaction volume, ACH payments, wires, and bill pay usage can all help determine which account is the best fit. At First Farmers, we offer business checking account options designed to support different activity levels and operational needs. Our team is available to review your business needs and help you identify the right solution to support your goals.
What’s the difference between business savings and a business CD?
Business savings accounts and business certificates of deposit (CDs) serve different purposes when managing company funds. A business savings account offers flexibility by allowing businesses to access funds as needed while earning interest. A business CD is a fixed-term savings solution intended for funds that do not require immediate access and may provide a more competitive rate. Our business banking team can help evaluate your financial goals and determine how to balance accessibility with long-term growth.
What types of business loans are available?
First Farmers offers a variety of business loan solutions designed to support businesses through every stage of growth. These include term loans for planned investments, lines of credit to help manage cash flow and working capital, commercial real estate loans, equipment financing, and SBA lending options for qualifying businesses. Our experienced business bankers work closely with businesses in Mt. Pleasant and surrounding areas to understand their goals and recommend financing solutions that align with their operations and long-term growth plans.
What’s the difference between a business term loan and a line of credit?
A business term loan provides a one-time lump sum that is repaid over a structured period with scheduled payments, making it a strong option for planned purchases, business expansions, or equipment investments. A business line of credit offers ongoing access to funds up to an approved limit, allowing businesses to borrow, repay, and borrow again as needed, making it a functional tool for managing financial fluctuations. Our business bankers work with you to determine which financing option best supports your operational and financial goals.
What is Treasury Management, and does my business really need it?
Treasury Management refers to a suite 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 provide greater visibility into account activity, improve efficiency, and add controls to help protect against fraud. These services often become increasingly valuable as transaction activity and operational complexity grow. Our Treasury Management team works closely with businesses throughout Mt. Pleasant and surrounding communities to recommend solutions that align with their business needs.
What fraud-prevention tools are available for businesses?
First Farmers offers a variety of fraud-prevention tools designed to help businesses monitor account activity, manage transactions, and reduce exposure to financial risk. These tools include ACH and check controls, payment approvals, account monitoring, and reporting capabilities that improve visibility into account activity. Our Treasury Management team works closely with businesses to recommend solutions that help protect operations while maintaining efficiency and control.
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 access to account information, transaction activity, bill pay, and cash flow monitoring so businesses can complete everyday banking tasks anytime and anywhere. Designed to support busy business owners, our online banking solutions provide convenience, visibility, and 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. Business owners 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 the future.
