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About First Farmers

We put your needs first with a range of checking options.

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.

With our eChecking account, you can enjoy all the benefits of our recently retired free checking account as long as you sign up for eStatements when you open your account. These benefits include unlimited checking with no monthly service fees and no minimum balance requirements.

Regular Checking
With our Regular Checking account, maintaining a moderate daily balance minimizes, or eliminates, your monthly fee.

Interest 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!

FFI Premium Checking
Customers utilizing the services available through our First Farmers Wealth Management Group are eligible to open a FFI Premium Checking account which allows you to earn a competitive interest on your balances with no minimum balance requirements and no monthly service fees.

Harvest Rewards Checking
With our interest-earning Harvest Rewards Checking account, you'll reap a bushel of benefits and savings. Plus, access your accounts easily and securely with:

  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Banking
  • Free Debit Card
  • Free eStatements
  • ATM Surcharge Rebates
  • And more!


Looking for the ultimate checking value, together with money-saving perks? Keep at least $5,000 in any combination of First Farmers Bank & Trust interest accounts (including CDs and IRAs) and you can enjoy:

  • FREE Online Banking and Bill Payment
  • Unlimited Check writing
  • Discounts on a variety of First Farmers Bank & Trust products and services
  • FREE overdraft protection, phone transfers, photocopying, and notary service

Keep at least $10,000 in any combination of First Farmers Bank & Trust interest 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 $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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First Farmers Bank & TrustMember FDIC Equal Housing Lender