At First Farmers Bank & Trust, our team is focused on delivering banking services that meet your personal needs. That’s why we offer a range of checking account options. Each is designed to provide you with advantages that match your financial priorities and your lifestyle.

eChecking
Save time and help the environment with this no-cost convenient account that lets you bank and receive statements electronically.
Features

  • Simple account structure
  • Unlimited check writing
  • Free Online Banking and Mobile Banking
  • Free Bill Pay if enrolled in eStatements
  • First Farmers Bank & Trust Debit card
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – None
  • Minimum Balance – None
  • Online Banking & eStatements – Required
  • Interest Bearing – No
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Harvest Rewards
Reap the rewards of a competitive interest rate when you perform a set number of electronic banking transactions.
Features

  • $10 ATM Fee Refund per statement (if account requirements are met)
  • Unlimited check writing
  • Free Online Banking and Mobile Banking
  • Free Bill Pay
  • First Farmers Bank & Trust Debit card
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – None
  • Minimum Balance Requirements – None
  • Online Banking & eStatements – Required
  • Interest Bearing – Yes
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Interest Checking
Put excess funds to work for you with competitive interest rates that increase with your balance.
Features

  • Simple account structure
  • Free Online Banking and Mobile Banking
  • Free Bill Pay if enrolled in eStatements
  • First Farmers Bank & Trust Debit card
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – $10 if minimum balance is not met.
  • Minimum Balance Requirements – $2,500
  • Online Banking & eStatements – Yes
  • Interest Bearing – Yes
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Holiday Savings Club
Make holiday spending more manageable with this smart account that offers a competitive interest rate.
Features

  • Unlimited deposits
  • Free Online Banking and Mobile Banking
  • Monthly Statements
  • eStatements available
Additional Information

  • Opening Deposit – $25
  • Monthly Service Fee – None
  • Minimum Balance Requirements – None
  • Online Banking & eStatements – Yes
  • Interest Bearing – Yes
  • Must have existing FFBT Checking or Savings accounts.
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Premier Savings Plus
Maximize your savings with our highest-rate account that offers competitive tiered rates that increase with your balance.
Features

  • Unlimited Deposits
  • Unlimited Transfers and Withdrawals completed in Person
  • Monthly Statements
  • eStatements available
  • Free Online Banking and Mobile Banking
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – $10 if minimum balance is not met.
  • Minimum Balance Requirements – $10,000
  • Online Banking & eStatements – Yes
  • Interest Bearing – Yes
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Regular Savings
Take advantage of a low-cost and convenient way to build your nest egg.
Features

  • Unlimited Deposits
  • Monthly Statements
  • eStatements available
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – $5 if minimum balance is not met.
  • Minimum Balance Requirements – $300
  • Online Banking & eStatements – Yes
  • Interest Bearing – Yes
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Minor Savings
Help your child begin to save for the future with our traditional savings account for our customers less than 19 years of age.
Features

  • Unlimited Deposits
  • eStatements available
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – None until age 19
  • Minimum Balance Requirements – None until age 19
  • Online Banking & Mobile Banking – Yes
  • Interest Bearing – Yes
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Senior Savings
Simple account structure to help our customers over the age of 55 manage their savings.
Features

  • Simple account structure
  • Free savings tickets
  • Unlimited deposits
Additional Information

  • Opening Deposit – $50
  • Monthly Service Fee – None
  • Minimum Balance Requirements – None
  • Online Banking & Mobile Banking – Yes
  • Interest Bearing – Yes
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Deposits Insured
At First Farmers Bank & Trust, deposits are insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC).

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