Spring Hill Office
Location:
5398 Main Street
Spring Hill, TN, 37174
Includes ATM
Phone: (931) 486-2212
Fax: (931) 486-1033
Lobby Hours:
Monday through Thursday: 8:30 a.m. – 4:00 p.m.
Friday: 8:30 a.m. – 5 p.m.
Saturday: Closed. Sunday: Closed.
Drive-Through Hours:
Monday through Thursday: 7:30 a.m. – 4:00 p.m.
Friday: 7:30 a.m. – 5 p.m.
Saturday: Closed.
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?
First Farmers offers 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 Spring Hill team serves customers throughout the community and surrounding areas, taking a consultative approach and helping you select an account based on how you manage your money today and where you want to go next.
How do I choose the right checking account for my needs?
Begin by considering how you use your account – everyday spending, direct deposit, bill payments, or maintaining higher balances. At First Farmers, the right checking account is one that aligns with your financial habits, helps minimize fees, and provides convenient access to the services and support you need. Our team is always available to help you compare options and choose the account that best fits your goals.
What’s the difference between a checking account and a savings account?
A checking account is designed to be used for everyday transactions such as 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, with a checking account supporting your day‑to‑day needs and a savings account for short‑ and long‑term goals, emergencies, and financial stability. At First Farmers, we encourage customers to use a savings account alongside checking to build healthy financial habits and plan confidently for the future.
Is online and mobile banking secure?
Yes. Online and mobile banking are secure when best practices are followed, such as using strong passwords, enabling multi‑factor authentication, and avoiding access on public Wi‑Fi. At First Farmers, we also use advanced security measures, including encryption and continuous monitoring, to help protect your information and safeguard your accounts.
What should I do if I think there’s fraud on my debit or credit card?
Contact First Farmers immediately if you believe fraudulent activity has occurred. Prompt reporting allows us to block the card and issue a replacement if necessary. We also recommend reviewing recent transactions, updating your online banking password, and enabling account alerts to help detect and prevent suspicious activity moving forward.
What’s the difference between a personal loan and a line of credit?
A personal loan provides a one‑time lump sum which is repaid over a set period with fixed monthly payments, making it a good option for planned expenses such as consolidating debt or financing a specific purchase. A line of credit, on the other hand, offers ongoing access to funds up to an approved 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. Our Spring Hill experts work closely with customers throughout the city and nearby communities to understand their needs and help determine which option best supports their financial goals and needs.
How can I improve my chances of getting approved for a loan?
When reviewing a loan application, First Farmers lenders consider several key factors, including your credit history, income, debt‑to‑income ratio, and overall financial stability. Strengthening your credit, reducing existing debt, and maintaining steady, reliable income can improve your application. Our lenders are also available to talk through your financial picture, answer questions, and help you understand steps you can take to better prepare 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 (HELOC) allows you to borrow against the equity you’ve built in your home, providing flexible access to funds up to an approved limit. Similar to a revolving line of credit, you can draw funds as needed, repay them, and borrow again during the draw period. HELOCs are often used for expenses such as home improvements, education costs, debt consolidation, or other significant needs. Because your home is used as collateral, it’s important to borrow thoughtfully. At First Farmers, our lenders serve homeowners in Spring Hill and surrounding areas and work with you to evaluate whether a HELOC aligns with your financial goals and to help you use your home’s equity responsibly.
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. A debit card draws funds directly from your First Farmers checking account, making it a strong option for everyday purchases when you want to stay within a set budget and avoid interest charges. Credit cards, when used responsibly, can offer added benefits such as rewards and purchase protections, but they are most effective when balances are paid in full and on time to avoid interest and debt. At First Farmers, we encourage customers to use both tools thoughtfully, selecting the option that best supports their budgeting, spending, and long‑term financial health.
Business Banking FAQs
What business banking services do you offer?
First Farmers offers a full range of business banking services designed to support businesses at every stage of growth. Our solutions include business checking and savings accounts, certificates of deposit (CDs), a variety of lending options, including SBA lending, 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 team works closely with businesses throughout Spring Hill and surrounding areas to deliver solutions tailored to your 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 operates. Factors such as transaction volume, deposit activity, and how frequently you move money through ACH payments, wires, or bill pay will influence which account is the best fit. At First Farmers, we offer business checking options designed to align with different activity levels, helping ensure your account supports your day‑to‑day operations efficiently. Our business banking team is available to review your needs and help match you with an account to support your cash flow, growth, and long‑term goals.
What’s the difference between business savings and a business CD?
Business savings accounts and business certificates of deposit (CDs) serve different roles in managing your company’s cash. A business savings account offers flexibility, allowing you to access funds as needed for reserves, short‑term goals, or planned expenses while earning interest. A business CD, by contrast, is a fixed‑term savings option designed for funds you do not need immediate access to. By committing those funds for a set period, businesses can often earn a more competitive rate. Our business banking team helps you evaluate your cash‑flow needs and determine how to use savings accounts and CDs together to balance accessibility, growth, and long‑term financial planning.
What types of business loans are available?
First Farmers offers a variety of business loan options designed to support businesses at 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 for purchasing or refinancing property, and equipment financing for vehicles, machinery, and other essential assets. We also provide SBA lending solutions, which offer flexible terms for qualifying businesses. Our experienced business bankers serve businesses in Spring Hill and nearby communities, working closely with you to understand your goals and recommend lending solutions that support your operations and growth plans.
What’s the difference between a business term loan and a line of credit?
A business term loan and a line of credit serve different financing needs. A business term loan provides a one‑time lump sum repaid over a defined period with a structured payment schedule, making it well‑suited for planned, one‑time investments such as equipment purchases, facility improvements, or business expansions. On the other hand, a business line of credit offers ongoing access to funds up to an approved limit. It allows you to draw only what you need, repay it, and borrow again, which makes it an effective tool for managing working capital, seasonal expenses, or cash‑flow fluctuations. Our business bankers take the time to understand how your business operates and help you determine which option, or combination of options, best supports your short‑term needs and long‑term goals.
What is Treasury Management, and do I really need it?
Treasury Management refers to a suite of financial tools and services designed to help businesses manage cash flow, streamline payments and collections, and reduce financial risk. Our First Farmers Treasury Management solutions provide greater visibility into your accounts, improve efficiency in how money moves in and out of your business, and add controls to help protect against fraud. While not every business needs advanced treasury services at the outset, these tools become increasingly valuable as your business grows, transaction volumes increase, or cash‑flow management becomes more complex. Our Treasury Management team works closely with you to determine which solutions align with your operations and to ensure your business has the controls and insights needed to operate confidently and efficiently.
What fraud-prevention tools are available for businesses?
First Farmers offers a range of fraud‑prevention tools designed to help businesses monitor activity, control transactions, and reduce exposure to financial risk. These solutions include controls for ACH and check activity, payment approvals, and account monitoring, in addition to reporting tools that improve visibility into how money moves in and out of your business. The most effective fraud‑prevention strategy depends on factors such as how you collect and send payments, transaction volume, and how many users access your accounts. Our team works closely with you to assess your operations and recommend tools to help protect your business while supporting efficiency and growth.
What can I do with Business Online & Mobile Banking?
First Farmers’ Business Online & Mobile Banking allows you to manage your business finances securely and efficiently from your computer, tablet, or smartphone. These tools provide convenient access to account information, transaction activity, and essential services such as bill pay and cash flow monitoring, all while giving you capabilities to complete everyday banking tasks anytime, anywhere. Designed to support busy business owners, our digital banking solutions give you greater visibility and control over your finances without the need to visit a branch, while still backed by the local support and expertise of our team, serving Spring Hill and surrounding areas.
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. These services are designed to help you plan for the future of your business while also supporting your personal and family financial goals. From retirement planning and investment management to trust and legacy planning, our experienced team works alongside you to create strategies that align with your long‑term vision and help protect what you’re building, today and for generations to come.
