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
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: FREE
- Online Banking: FREE, and FREE bill pay!
- 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: FREE
- Online Banking: FREE, and FREE bill pay!
- Minimum Balance to Avoid Charge: $0
- Monthly Service Charge: $0
- 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: FREE
- Online Banking: FREE, and FREE bill pay!
- Minimum Balance to Avoid Charge: $1,5001
- Monthly Service Charge: $10
- Mobile Banking / Mobile Deposit: YES
First Club Checking
No issue fee for cashier’s checks and license stickers; FREE club checks; accidental death and dismemberment insurance coverage
Features:
- Earn Interest: Available
- Opening Balance Minimum: $25
- Visa Check or ATM Card: FREE
- Online Banking: FREE, and FREE bill pay!
- Minimum Balance to Avoid Charge: $0
- Monthly Service Charge: $9 or $11 depending on the plan
- Mobile Banking / Mobile Deposit: YES
Interest Checking
Features:
- Earn Interest: Yes
- Opening Balance Minimum: $1,500
- Visa Check or ATM Card: FREE
- Online Banking: FREE, and FREE bill pay!
- Minimum Balance to Avoid Charge: $1,500
- 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: FREE
- Online Banking: FREE, and FREE bill pay!
- Minimum Balance to Avoid Charge: $5,000
- Monthly Service Charge: $20
- 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: FREE2
- Online Banking: FREE
- 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: FREE2
- Online Banking: FREE
- 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: FREE2
- Online Banking: FREE
- 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: FREE2
- Online Banking: FREE
- 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).
*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 Bolts 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)
Need a service that is not listed? Please contact us today or stop by one of our convenient locations.
*Online banking enrollment required

