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First & Farmers National Bank

Putting YOU First!

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Business | Checking

  • Why FFNB?
    • About
      • Our Story
      • Community Impact
      • Leadership
    • Contact
      • Find a Location
      • Meet a Lender
  • Personal
    • Checking
      • Personal Checking
      • Interest Checking
      • Club Checking
      • What do I need to open an account?
    • Savings
      • Personal Savings
      • Money Market Savings
      • Club Savings
      • Round-up Savings Program
      • CDs
      • IRAs
    • Loans & Mortgages
      • $99 Closing Cost Home Loan
      • Auto Loans
      • Personal
      • Meet a Lender
    • Online & Mobile Banking
      • Register for Online Banking
    • Credit Cards
      • Mastercard®
      • Mastercard® World Preferred Points Rewards
  • Business
    • Checking
      • Business Checking
      • Business Interest Checking
      • Business Merchant Capture
      • Credit Card Processing
      • What do I need to open an account?
    • Commercial Loans
      • Business and Agricultural Loans
      • Real Estate Loans
      • Lines of Credit
      • Equipment Loans
      • Meet a Lender
    • Credit Cards
      • Mastercard® Preferred Points Rewards Card
      • Extraordinary Mastercard® Business Card
  • Apply
  • Sign In
/ Business / Checking
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Checking accounts that fit your business

Whether you’re a sole proprietorship, just starting out or quickly expanding, we have the accounts that are right for you.

Order More Checks

All FFNB business checking accounts include:


  • Up to five debit cards
  • Customizable checks
  • Text alerts
  • Free transfers between accounts
  • Wire transfers, fees may apply
  • Online and mobile banking

Business Checking

For every business, big and small

$100 minimum deposit to open

  • No minimum balance
  • No monthly service charge with eStatements
  • $3 fee for paper statements

Business Interest Checking

A high-balance investment account

$100 minimum deposit to open

  • Earn interest on balances of $5,000
  • $10 monthly service charge, if balance drops below $5,000

Business Merchant Capture

FFNB offers business checking clients business merchant capture services. If you are unable to get to the bank during business hours or your company has large volumes of daily check deposits, this service could be helpful to you. 

Plug our scanner into your computer and easily scan checks into your business account. If your checks are scanned by the cut-off time, the checks will post on the next business day.

Call or stop by your local FFNB Customer Service Representative for more information.

Credit Card Processing

We offer credit card processing through BancCard. With excellent customer service, including access to a local representative, BancCard goes above and beyond to make sure your payment solutions help you reach your goals.

Learn More
mobile online backing

Free with all checking accounts

Mobile banking that’s reliably simple.

Deposits | Mobile Account Management | Transfers

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What you’ll need to open an account


For the organization

  • Federal Tax ID
  • Legal business name
  • “Doing business as” name, if applicable
  • Business incorporation details and issue date
  • State registrations, if applicable
  • Business address (both physical and mailing addresses)

For the business owners

  • Name
  • Home address
  • Date of birth
  • Social Security or Tax ID number
  • A copy of your government-issued ID
  • Business title (Controlling Person only)
  • Ownership percentage (Beneficial Owners only)

Articles and Resources

Keep up with First & Farmers and learn more about what financial products can help you out.

Meet our new Columbia Market President

July 11, 2022

Team Spotlight

Brad Hodges blog post 7.11.2022

FFNB will be Veterans Memorial Park title sponsor

November 2, 2021

Press Release

Veterans Park 100 grand check presentation

Now Open Your Account Online!

September 9, 2021

PersonalResource

Online Account Opening 9.2021
First & Farmers Logo

Mailing Address:
P.O. Box 820
Somerset, KY 42502

Physical Address:
2020 South Highway 27
Somerset, KY 42501

(606) 679-7451

customer.service@firstandfarmers.com

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  • Why FFNB?
    • About
      • Our Story
      • Community Impact
      • Leadership
    • Contact
      • Find a Location
      • Meet a Lender
  • Personal
    • Checking
      • Personal Checking
      • Interest Checking
      • Club Checking
      • What do I need to open an account?
    • Savings
      • Personal Savings
      • Money Market Savings
      • Club Savings
      • Round-up Savings Program
      • CDs
      • IRAs
    • Loans & Mortgages
      • $99 Closing Cost Home Loan
      • Auto Loans
      • Personal
      • Meet a Lender
    • Online & Mobile Banking
      • Register for Online Banking
    • Credit Cards
      • Mastercard®
      • Mastercard® World Preferred Points Rewards
  • Business
    • Checking
      • Business Checking
      • Business Interest Checking
      • Business Merchant Capture
      • Credit Card Processing
      • What do I need to open an account?
    • Commercial Loans
      • Business and Agricultural Loans
      • Real Estate Loans
      • Lines of Credit
      • Equipment Loans
      • Meet a Lender
    • Credit Cards
      • Mastercard® Preferred Points Rewards Card
      • Extraordinary Mastercard® Business Card
  • Apply
  • Sign In
  • Resources
    • Lost/Stolen Debit Card?
    • Switch Kit
    • Order More Checks
    • Personal
    • Business
    • Calculators
    • Loan Rates
    • Find a Lender
    • Get the Mobile App
    • Assets
    • Careers

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