Checking Accounts
Fees Effective Februrary 1, 2019
The Regular Checking Account**
Our Regular Checking account allows you to have unlimited checking for a low monthly maintenance fee ($8/month). If you maintain a $500 average monthly balance or sign up for direct deposit of your primary payroll, retirement or other income to Regular Checking there is no fee. Your first 12 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 Super Now (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 maintenance fee ($7/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 maintenance fee each month ($9/Regular Club 1 plan, $11/Regular Club 2-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 Regular Checking account with no monthly service charge.
The Super Now Silver Checking Account** (must be age 55 or older to qualify)
With Super Now 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 maintenance 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 the Super Now Silver Checking and there will be no maintenance fee.
(Our best account for Senior Citizens)
The Regular Checking Non-Personal (Business) Checking
The Regular Checking Non-Personal (Business) Account allows you to have unlimited checking for a low monthly mainrenance fee ($8.00). 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 MasterCard Debit Card or ATM Card
- Toll-Free 24-hour Voice Response System
