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Deposits

We put your business first with deposit services that save you money.

At First Farmers Bank & Trust, we understand every business owner wants to make the most of every dollar earned. That’s why we offer a wide range of checking and savings options designed to help reduce costs and streamline your cash management. Our business banking specialists will take the time to understand your business banking needs and provide solutions that address those needs.

Checking & Savings Options for General Business

Basic Business Checking
This hassle-free account lets you keep accurate track of your business transactions, while giving you the opportunity to avoid all monthly fees. No minimum daily balance requirement and 150 FREE monthly transaction items.

Add a First Farmers Bank & Trust Business Debit Card and enjoy instant access to your account at ATMs and for purchases of goods and services worldwide.

Premier Business Checking
This account lets you gain earnings credit while taking advantage of no minimum daily balances. With just a small monthly maintenance fee and minimal per-item fees, you can keep an accurate track of all your transactions.

Business Interest Checking
Routinely maintain a high balance in your business account? This account gives you the opportunity to earn competitive interest on your balances, and the more you keep on deposit, the better your rate, all while allowing 150 FREE monthly transaction items!

Premier Savings & Premier Savings Plus
Choose one of our Premier Savings accounts and earn even more on your business savings.

Commercial Money Market
Our Commercial Money Market is an ideal solution for maximizing your return on idle cash while maintaining access to your funds.

Checking & Savings Options for Government & County Agencies

Public Funds Regular Checking
Maintain your government, county, or other public account at a moderate balance and you can enjoy unlimited check writing capabilities. You’ll also have access to eStatements, Imaged Statements, and a Debit/ATM Card.

Public Funds Interest Checking
Routinely maintain a high balance in your business account? This account gives you the opportunity to earn competitive interest on your balances, and the more you keep on deposit, the better your rate, all while allowing 150 FREE monthly transaction items!

Public Funds Regular Savings
This basic savings account could be perfect for your agency’s savings needs. By maintaining a moderate balance in your account, you can eliminate your monthly service fee.

Public Funds Personal Investor Money Market
Our Personal Investor Money Market is an ideal solution for your agency’s needs. By maintaining a high balance in your account, you can enjoy higher returns on your funds.

Checking & Savings Options for Not-For-Profit Organizations

Not-For-Profit Regular Checking
Designed for the needs of a not-for-profit organization (as described in IRS Code 26, Section 501(c)(3)), this account has a low minimum balance requirement, no monthly fee if your balance stays above the minimum, and offers many other great services!

Not-For-Profit Savings
Want to earn interest on your funds? If so, this basic savings account is the perfect fit for you. Maintain a low minimum balance and enjoy competitive interest and unlimited deposits on this account.

Deposit Insurance
At First Farmers Bank & Trust, deposits are insured up to $250,000 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.

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