At First Farmers Bank & Trust, we always strive to deliver 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.

Free Checking
Tired of minimum balances and per-check fees? Then you should consider FirstCheck, our free checking account, which features unlimited checking with no monthly service charges and no minimum balance requirements.

Flat Fee Checking
Our FirstOption Checking account provides a simple way to manage your money, with no minimum balance, monthly statement with check images, and a low monthly fee.

Regular Checking
With our Regular Checking account, maintaining a moderate daily balance minimizes, or eliminates, your monthly fee. If you’re 55 or better you can enjoy Regular Checking with no monthly service fees PLUS one free box of standard checks per year.

Interest Bearing Checking
If you routinely keep a high daily balance, you can earn competitive interest on your balances with one of our interest-bearing accounts. The more you keep on deposit, the better your rate! Plus, you could qualify for limited free foreign ATM transactions. If you’re 55 or better, we’ll give you one free box of standard checks each year.

GET THE MOST OUT OF YOUR BANKING RELATIONSHIP Looking for the ultimate checking value, together with money-saving perks? Keep at least $5,000 in any combination of First Farmers Bank & Trust deposit accounts (including CDs and IRAs) and you can enjoy: FREE Online Banking and Bill Payment Periodic “Members Only” CD Specials Bonus CD rates and discounted loan rates No-fee Money Orders And more . . . Keep at least $10,000 in any combination of First Farmers Bank & Trust deposit accounts (including CDs and IRAs) and receive even more great benefits! Get the advantages you deserve. For more information, or to sign up, please speak with a member of our staff.

Deposits Insured
At First Farmers Bank & Trust, deposits are insured to at least $100,000 per depositor by the Federal Deposit Insurance Corporation (FDIC).

People you can trust
If you have any questions about our products and services, please use our information request form, visit any of our offices, or call (800) 371-3316 to speak with a member of our staff. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.