Checking & Savings

We will make sure that you get the right checking or savings account.

When it comes to opening a checking or savings account, you have many options. But each account has different benefits. Here at First Farmers State Bank, we will make sure that you get the right checking or savings account.

Don't settle for just any checking or savings. Our experienced bankers will listen to you, learn about your current needs, your future goals, and find the account that will best fit your life. We'll then help you get started, including helping you easily close your old account.

Personal Checking

First Club Checking

No issue fee for cashier’s checks and license stickers; FREE club checks; IDProtect^®⁴; Roadside Assistance; Cell Phone Protection⁵; Accidental Death and Dismemberment Insurance⁵ coverage PLUS MORE!!

Already enrolled? Click Here to Access Your Benefits

Features:

Earn Interest: Available
Opening Balance Minimum: $25
Visa Check or ATM Card: INCLUDED
Online Banking: INCLUDED, and Bill Pay Too!
Minimum Balance to Avoid Charge: Not Applicable
Monthly Service Charge: $9
Mobile Banking / Mobile Deposit: YES

Advantage Checking

Minimum balance fee waived with $1,500+ or combined balances of $30,000+ in other deposit or loan accounts

Features:

Earn Interest: Yes
Opening Balance Minimum: $1,500
Visa Check or ATM Card: INCLUDED
Online Banking: INCLUDED, and Bill Pay Too!
Minimum Balance to Avoid Charge: $1,500¹
Monthly Service Charge: $10
Mobile Banking / Mobile Deposit: YES

Hi-Yield Interest Checking

Features:

Earn Interest: Yes
Opening Balance Minimum: $5,000
Visa Check or ATM Card: INCLUDED
Online Banking: INCLUDED, and Bill Pay Too!
Minimum Balance to Avoid Charge: $5,000
Monthly Service Charge: $20
Mobile Banking / Mobile Deposit: YES

Interest Checking

Features:

Earn Interest: Yes
Opening Balance Minimum: $1,500
Visa Check or ATM Card: INCLUDED
Online Banking: INCLUDED, and Bill Pay Too!
Minimum Balance to Avoid Charge: $1,500
Monthly Service Charge: $10
Mobile Banking / Mobile Deposit: YES

Basic Checking

FREE checking for balances of $500+, persons age 60+, customers with direct deposit or an automatic loan payment, e-statement, or check truncation.

Features:

Earn Interest: No
Opening Balance Minimum: $25
Visa Check or ATM Card: INCLUDED
Online Banking: INCLUDED, and Bill Pay Too!
Minimum Balance to Avoid Charge: $500¹
Monthly Service Charge: $10¹
Mobile Banking / Mobile Deposit: YES

Golden Growers Checking

FREE Golden Growers checks, fax services, and photocopying for medical or legal documents; no issue fee for cashier’s checks

Features:

Earn Interest: Available
Opening Balance Minimum: $25
Visa Check or ATM Card: INCLUDED
Online Banking: INCLUDED, and Bill Pay Too!
Minimum Balance to Avoid Charge: $0
Monthly Service Charge: $0
Mobile Banking / Mobile Deposit: YES

Download Deposit Rate Sheet

Questions? Call 800.441.2265

Personal Savings & Certificates of Deposit

Savings

Can be used as overdraft protection for your FFSB checking account

Features:

Earn Interest: Yes
Opening Balance Minimum: $250
Visa Check or ATM Card: INCLUDED²
Online Banking: INCLUDED
Minimum Balance to Avoid Charge: $250
Monthly Service Charge: $5³
Mobile Banking / Mobile Deposit: YES

First Rate Money Market

Can be used as overdraft protection for your FFSB checking account

Features:

Earn Interest: Yes
Opening Balance Minimum: $10,000
Visa Check or ATM Card: INCLUDED²
Online Banking: INCLUDED
Minimum Balance to Avoid Charge: $10,000
Monthly Service Charge: $25³
Mobile Banking / Mobile Deposit: YES

Money Market

Can be used as overdraft protection for your FFSB checking account

Features:

Earn Interest: Yes
Opening Balance Minimum: $1,500
Visa Check or ATM Card: INCLUDED²
Online Banking: INCLUDED
Minimum Balance to Avoid Charge: $1,500
Monthly Service Charge: $10³
Mobile Banking / Mobile Deposit: YES

Hi-Yield Money Market

Can be used as overdraft protection for your FFSB checking account

Features:

Earn Interest: Yes
Opening Balance Minimum: $5,000
Visa Check or ATM Card: INCLUDED²
Online Banking: INCLUDED
Minimum Balance to Avoid Charge: $5,000
Monthly Service Charge: $20³
Mobile Banking / Mobile Deposit: YES

Certificates of Deposit (CD)

We offer several regular and special CD terms. See deposit rate sheet for more details. Rates offered are subject to change.

College Saver CD

Start saving today for tomorrow's college education! It's a great gift idea for birthdays, holidays and other special occasions.

Choose your term length from our regular CD term listing
Opening Balance Minimum: $250
Unlimited deposits allowed in minimum amounts of $25

¹ Other options to avoid a service charge can apply. See your Personal Banker for details.
² Ask your Personal Banker for details about card usage with this particular account.
³ Unlike Checking and Money Market accounts, the service charge on a Savings account is assessed on a quarterly basis (when applicable).
⁴Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
⁵Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

*See the Consumer Deposit Account Compliance Disclosure for a complete list of terms and conditions.

Other Services

In addition to checking and savings products, First Farmers State Bank offers you these other convenient services, including:

Online banking with bill payment
Mobile banking and mobile deposit*
Shazam Brella debit card protection
Text fraud alerts (for suspicious debit card activity)
License sticker renewals
Coin counting
US postage stamps
Checkbook reconciliation
Savings bond redemptions (available to customers only)
Safe deposit boxes (sizes vary; contact your preferred branch location for availability and pricing)
Property tax payments accepted for Tazewell and McLean Counties (by due date only)