First & Farmers National Bank - Personal Checking

To report a lost or stolen VISA DEBIT card, contact card services at 1-800-264-4274.

To see the descriptions below in a grid format,
click here.

Although the times have changed since we first opened our doors our commitment to providing the highest level of customer service never has. Our customers and their needs come first, always have, always will. In fact, those needs drive everything we do. Take our checking accounts, for example. Not every type of checking account fits every person’s needs. That’s why we offer a variety of checking account options. You are sure to find the one that fits you perfectly.

No matter which checking option you choose you will receive these great benefits:

• Write as many checks as you like with no pesky per check charges.

• Enjoy easy access to your money with an ATM or Debit Card at no fee.

• Receive the ultimate in banking convenience with FREE Online Banking.

• Automate your bill paying with FREE Online Bill Pay.

• Bank from any touchtone phone with VIP Access Line telephone banking 1-888-922-2158.

First Choice Checking

Our most popular checking account is packed with great banking services and money saving benefits.

• FREE Checks

• $2,500 Identity Theft Protection

• $10,000 Accidental Death Insurance

• $35,000 Scheduled Airline Coverage

• FREE Pharmacy Discount Card — Save up to 30% on average brand name and generic drugs. Card is accepted at over 40,000 pharmacies nation wide.

• FREE Emergency Medical ID Card

• FREE Cash Back Member Rewards — Earn 10% cash back on everyday purchases such as groceries, gas, household supplies, entertainment. Save your receipts and submit quarterly for annual cash back up to $40 per year.

• FREE Official Checks, up to 4 per month

• FREE Travelers Checks

• FREE Payment Card Registration — Protects all your credit, ATM and check cards in the event of loss or theft.

• FREE Key Tag Return

• FREE Entertainment Savers Guide — Receive discounts at thousands of hotels, restaurants, movie theaters, and more.

• No minimum balance requirement

• Monthly service charge (ask your local Customer Service Representative for details).

• Open with just $100

Premier Checking

For those 55 years of age or better, receive ALL the valuable benefits of First Choice Checking plus earn interest on every penny in your account at a discounted service charge of only $5.00 per month.

Regular Checking

Our no-frills checking account is available to both Businesses and Individuals and is free when you maintain a minimum daily balance of $500. Otherwise there is a monthly service charge. Please ask your Customer Service Representative for details. Open with only $100.

First Class Student Checking

The ideal account for full or part time students 23 years old or younger.

• Open with only $25

• No monthly maintenance fee

• No minimum balance requirement

• FREE first order of checks — Choose from specially designed high school or college logo checks.

• $25 “Got Your Back” card — Redeemable for other bank services like charges for overdraft.

• Discount on loan rates

• NO foreign ATM fees

Free Checking

The hassle-free account for those with basic checking needs. Free Checking can be opened with only $100 and has no monthly minimum balance requirement.

NOW Checking

Earn interest on your checking balances with our NOW Checking account. Interest is paid on balances above $1,000. Accounts falling below $1,000 will be charged a $7.00 monthly service charge. Opening deposit amount is $100.

SuperNOW Checking

Our SuperNOW Checking account acts like an investment account but offers the convenience of unlimited check writing. With a minimum daily balance of only $2,500 you avoid a $7.00 monthly service charge. Interest is earned on balances above $1,000. Minimum deposit required to open is $100.

Privacy Statement - Internet Banking Disclosures

First & Farmers National Bank - Main Office
100 Public Square - Somerset, KY 42501
(606) 679-7451 or Toll Free: 1-877-677-2350

Site Design & Maintenance: Cumberland Creative Designs