Checking Accounts


The Basic Checking Account**

Our Basic Checking account allows you to have unlimited checking for a low monthly fee ($7/month).  If you maintain a $500 average monthly balance or sign up for direct deposit of your primary payroll, retirement or other income to Basic Checking there is no fee.  Your first 50 personalized checks are free.  Afterwards, a wide variety of check styles are available at economical prices.

(Suggested account for persons under 55 who write few checks.)


The Interest Checking Account**

With this account you get the best of the checking and savings world in one package.  You can write unlimited checks and, if your account balance is over $700 each day of the month, your account will earn interest at rates that grow with your balance.  A low monthly fee ($6/monthly) will be assessed if the balance falls below $2,500 during the month.

(Suggested account for persons under 55 who maintain larger balances and wish to receive interest.)


The Club Account**

For just a few dollars each month ($8/Regular plan, $10/Family plan), you can take advantage of the many features of The Club Account such as free personalized checks (one design only, other check designs are available at a discounted price).  Other benefits include ten free copies per month and a free notary service.  Key Ring Protection and Credit Card Protection is provided at no additional charge as well as a member magazine, discounts on travel and recreation, and accidental death and dismemberment insurance.

(Suggested account for persons under 55 who write a lot of checks or who need the services provided)


The Student / Senior Account**

Students (up to age 23) or seniors 55 or over can obtain a Basic Checking account with no monthly service charge.


The Silver Checking Account** (must be age 55 or older to qualify)

With Silver Checking, you get free personalized checks (one design only, other check designs are available at a discounted price), ten free copies per month, free notary service and more.  If you maintain a minimum balance of $700 you will earn interest at rates that grow with your balance. A low monthly fee of $6 monthly will be assessed if the balance falls below $2,500 during the month.

Sign up for direct deposit of your primary payroll, retirement or other income to Silver Checking and there will be no maintenance fee.

(Our best account for Senior Citizens)


Business Checking

The Business Account allows you to have unlimited checking for a low monthly fee ($7.00). The fee is not assessed if you maintain an average daily balance of $500. 


Unlawful Internet Gambling Enforcement Act of 2006

This notification is provided pursuant to the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG. The Act prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As an account holder, these restricted transactions are prohibited from being processed through the account or relationship with First Farmers and Commercial Bank.

Related Services

Also available to personal account-holders:

  • Free Internet Banking with Bill-Pay Service
  • Free Visa Debit Card or ATM Card
  • Toll-Free 24-hour Voice Response System