Pulaski Office
Location:
302 South Second Street
Pulaski, TN, 38478
Includes ATM
Phone: (931) 363-3830
Fax: (931) 363-3065
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 a.m. – 4 p.m.
Friday: 8 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 support different life stages, financial habits, and goals. Our options range from student and everyday checking accounts to savings solutions that help you build and plan for the future. Because no two customers bank the same way, our team works with you to choose an account that fits your day-to-day needs and your future goals.
How do I choose the right checking account for my needs?
Start by thinking about how you use your account, such as everyday spending, direct deposit, bill payments, or maintaining higher balances. At First Farmers, the right account aligns with your financial habits, minimizes fees, and gives you easy access to the services you need. Our team is here to help you compare options and make the right choice.
What’s the difference between a checking account and a savings account?
A checking account is used for everyday transactions like purchases and bill payments, while a savings account allows you to set money aside and earn interest. Using both together can support better money management. We encourage customers to use both to support daily needs while planning for future goals.
Is online and mobile banking secure?
Yes. Online and mobile banking are secure when best practices are followed, including strong passwords and multi-factor authentication. First Farmers also uses encryption and continuous monitoring to help protect customers in Pulaski and surrounding areas and keep account information safe.
What should I do if I think there’s fraud on my debit or credit card?
If you suspect fraudulent activity, contact First Farmers right away. Reporting it quickly allows us to block your card and issue a replacement if needed. Our team is available to assist customers throughout Pulaski and nearby communities. We also recommend reviewing transactions and enabling alerts to help monitor activity moving forward.
What’s the difference between a personal loan and a line of credit?
A personal loan provides a lump sum that is repaid over a set period of time with fixed monthly payments, making it a good option for planned expenses. While a line of credit gives you ongoing access to funds up to a set limit. You can draw only what you need, repay it, and borrow again during the draw period, which makes it ideal for managing variable or unexpected expenses. At First Farmers, we help you determine which option best fits your financial situation.
How can I improve my chances of getting approved for a loan?
Loan approvals are based on factors like credit history, income, debt-to-income ratio, and overall financial stability. Strengthening your credit, reducing debt, and maintaining steady income can improve your chances. Our lenders are available to review your situation and help you prepare.
What is a home equity line of credit (HELOC), and when might it be a good option?
A HELOC allows you to borrow against your home’s equity with flexible access to funds up to an approved limit. You are able to draw funds as needed, repay them, and borrow again during the draw period. It’s often used for home improvements, education, or large expenses. Our team can help you determine if it’s the right fit.
How do I decide between a debit card and a credit card for everyday purchases?
A debit card pulls directly from your checking account, making it a strong option when you want to stay within a set budget. A credit card can offer rewards and protections when used responsibly, but is most effective when balances are paid in full to avoid interest and debt. At First Farmers, we encourage customers throughout Pulaski and surrounding areas to choose based on their spending habits and goals.
Business Banking FAQs
What business banking services do you offer?
First Farmers offers a full range of business banking services to support businesses at every stage of growth. Our solutions include business checking and savings accounts, certificates of deposit (CDs), lending options including SBA loans, treasury and cash management services, business credit cards, and online and mobile banking. Backed by local decision-making and personalized service, our business banking team works closely with businesses throughout Pulaski and surrounding communities to provide solutions tailored to their operational and financial needs.
How do I choose the right business checking account?
Choosing the right business checking account begins with understanding how your business handles transactions, deposits, and cash flow. Factors such as transaction volume and payment activity can help determine the best fit. At First Farmers, we offer business checking options designed for different activity levels, and our team is available to help you compare accounts and select the right solution.
What’s the difference between business savings and a business CD?
Business savings accounts and business CDs each serve different financial purposes. A business savings account provides flexibility and allows you to access funds when needed while earning interest. A business CD is intended for funds you can set aside for a fixed period, often offering a more competitive rate in return. Our business banking team can help businesses in Pulaski and nearby areas determine how to balance accessibility with long-term growth.
What types of business loans are available?
At First Farmers, we offer a variety of business loan solutions designed to support growth and day-to-day operations. These include term loans, lines of credit, commercial real estate loans, equipment financing, and SBA lending options. Our experienced business bankers work closely with you to understand your goals and recommend financing solutions that fit your business needs.
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 of time, making it a good option for planned investments or larger one-time purchases. A line of credit offers flexible access to funds up to an approved limit, allowing you to borrow and repay as needed. At First Farmers, our business banking team helps businesses determine which financing option best supports their operations and financial goals.
What is Treasury Management, and does my business need it?
Treasury Management is a collection of financial tools and services designed to help businesses manage cash flow, improve efficiency of payments and collections, and reduce financial risk. First Farmers offers Treasury Management solutions that provide greater visibility into account activity and help streamline payments and collections. These services can become increasingly valuable as operations and transaction volumes grow.
What fraud-prevention tools are available for businesses?
First Farmers provides fraud-prevention tools designed to help businesses monitor account activity, control transactions, and reduce exposure to financial risk. These solutions include ACH and check controls, payment approvals, account monitoring, and reporting tools. Our team works with you to recommend solutions that align with your business operations.
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 throughout Pulaski and surrounding areas can manage everyday banking tasks anytime and anywhere.
Do you offer retirement and investment support for business owners?
Yes. First Farmers offers retirement and investment services through our Wealth Management and Trust Department. Business owners can work with our experienced team on retirement planning, investment management, and long-term financial strategies designed to support both business and personal goals for today and many generations to come.
