President's Club

President's Club Checking

President's Club Checking

First Farmers & Merchants Bank has established a checking account for customers in their prime earning years: the President's Club.

The President's Club is for people who lead busy lives, customers who want different financial products, such as a checking account, home equity line or a car loan and want the convenience of handling multiple financial needs at one bank. With the President's Club account, customers are rewarded for letting First Farmers handle many or all of their needs.

A complete list of President's Club features includes:

  • Free debit card with photograph, plus free information on how to prevent identity theft.
  • 10 basis points additional interest on Individual Retirement Accounts.
  • First Farmers bank's foreign ATM charges refunded - and high ATM daily withdrawal limit of $500 per day.*
  • Deficit funds transfer from a savings account, with a limit of three transfers per statement cycle at no charge.
  • Free President's Club checks or 30% off designer checks.
  • Free online check images with Internet banking and bill pay (subject to approval). Check images or cancelled checks are not mailed with statements.
  • Free CD-ROM of account statements annually, upon request.
  • Visa® or MasterCard® with no annual fee.
  • Unlimited check writing.

One of the features that sets the President's Club apart is that the account benefits are not static. We are listening to our customers and will add and modify features to enhance their banking relationship. Features and benefits of the President's Club will be expanded on an ongoing basis.

Additional Requirements

  • Available with a recurring monthly direct deposit for at least one account holder.
  • $100.00 to open.

President's Club Fees

  • No monthly maintenance fee if daily account balance is $500.00 or more.
  • $5.00 monthly maintenance fee if balance drops below $500.00 during statement cycle.

*Foreign ATM charges refunded when periodic statement taken electronically and President's Club photo debit card used at ATM.