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Just as seasons change, so do the needs of families and businesses. Whether you are a long time customer or just opening your first checking account, we offer a range of checking products aimed to fit the needs of everyone we serve.

From our online banking platform that offers access to your account at anytime from anywhere to the security of EMV chip technology in all new debit cards, First Farmers is here.

Presidents Club
Signature feature-rich account with refunds on ATM surcharges2

Interest Checking
Earn interest on your balance. Already a First Farmers customer? Open Now

Regular Checking
Standard checking account with lower balance requirements. Already a First Farmers customer? Open Now

Free Checking
Basic account with unlimited check writing and no monthly maintenance fees

Chairman’s Club
Account with all of the features for customers 50 or better

Student Checking
For high school or college students through age 23

Electronic Transfer Account (ETA)
Available only to those receiving government benefit, wage, salary or retirement payments. Non-interest bearing. $0 minimum balance. $3 monthly maintenance fee. Free ATM card. Transaction limits: Four with teller or ATM/month; $5 per additional withdrawal. No online or mobile banking. Requires direct deposit of federal payment.

Compare Checking Accounts

Compare Checking Accounts
FeaturesPresident's Club
Learn More about the President's Club
Interest Checking
Open Account for Interest Checking
Regular Checking
Open Account for Regular Checking
Free Checking
Learn More about Free Checking
Chairman's Club
Learn More about the Chairman's Club
Student Checking
Learn More about Student Checking
Interest BearingNoYes1NoNoYes1No
Minimum to Open$100$100$100$50$1000$25
Minimum Daily Balance$500$1000$750$0$1000$0
Monthly Maintenance Fee$5
if daily balance
falls below $500
if daily balance
falls below $1000
balances of
$500 - $749.00

of $300 - $499.99

balances of
$0 - $299.99
if daily balance falls below $1000
Unlimited Check Writingcheckboxcheckboxcheckboxcheckboxcheckboxcheckbox
Free Debit Cardcheckboxcheckboxcheckboxcheckboxcheckboxcheckbox
Transaction LimitsNoneNoneNoneNoneNoneNone
Online Banking with Bill Paycheckboxcheckboxcheckboxcheckboxcheckboxcheckbox
Mobile Banking with Free Mobile Check Depositcheckboxcheckboxcheckboxcheckboxcheckboxcheckbox
Additional FeaturesVisa® credit card with no annual fee (subject to approval)
ATM surcharges are refunded2
Free President's Club Checks
30% off designer checks
Free Notary Services
Free CD of account statements annually
Visa® credit card with no annual fee (subject to approval)
Free Notary Services
Visa® credit card with no annual fee (subject to approval)
Free Notary Services
Visa® credit card with no annual fee (subject to approval)
Free Notary Services
Visa® credit card with no annual fee (subject to approval)
Earn higher rates on CDs
Discount on Safe Deposit Boxes
Free Cashier's Checks
Free Chairman's Club Checks
40% off designer checks
Free Notary Services
Annual Club Newsletter & Travel Opportunities
Financial & Estate Planning services (available by appointment)
Visa® credit card with no annual fee (subject to approval)
ATM surcharge refunded (up to $3 maximum per transaction) 2
Free Notary Services
Additional RequirementsMust accept electronic statements and use President's Club debit card to receive ATM refundsNo cancelled checks or images returned with statement (use of duplicate checks suggested)Must accept electronic statements and Student Checking Card must be used to receive ATM refunds

1 Interest accrues daily and paid monthly. Interest is subject to change without notice.
2 Must accept monthly electronic statements

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