First & Farmers National Bank

Putting YOU First!

Personal | Checking

/ Personal / Checking
Mother and father teaching young girl to save with piggy bank

You’ve only got so much time.

First & Farmers makes sure you don’t have to spend it all banking.

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Checking Accounts Include

$100 minimum deposit to open

  • Online banking
  • Mobile banking app
  • Mobile deposits
  • eStatements
  • Debit card
  • Easy transfers between accounts
  • Card management, turn card on or off
  • Email/text alert, upon request
  • Optional round-up savings program, which rounds each debit card purchase to the nearest whole dollar and deposits the change

Personal Checking

Our most popular checking

  • No minimum balance
  • No monthly service charge, if you sign up for eStatements
  • $3 monthly fee only if you choose paper statements

Interest Checking

A high-balance investment

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

Club Checking

Banking with benefits

$8 monthly club fee

  • Free club checks
  • Free cash back member rewards*
  • Free official checks, up to 4 per month
  • 3-in-1 credit file monitoring*
  • $2,500 identity theft protection
  • $10,000 accidental death and dismemberment insurance**
  • $35,000 scheduled airline coverage
  • Discounts on movie tickets and theme parks*
  • No minimum balance

*Registration/activation required.

**Insurance products noted above are not insured by FDIC or any federal government agency. They are not a deposit of or guaranteed by the bank or any bank affiliate.

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Overdraft Protection

We understand that life happens and you can lose track of how much money is in your account. That’s why you can request to add one of several overdraft protection options to your checking account.

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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

  • One valid, unexpired, government-issued photo ID, such as a valid driver’s license or passport.
  • Social security number or individual taxpayer identification number.
  • Date of birth.
  • Home address.
  • Utility bill with current address information, if your address is different than the one on your photo ID.
  • If opening a custodial account for a minor, a birth certificate and Social Security card.
  • For estate accounts, a business Employer ID Number is required.  You can get an EIN for free at www.irs.gov. 
  • Estate accounts require a copy of the court probate document.

Articles and Resources

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