You’ve only got so much time.

First & Farmers makes sure you don’t have to spend it all banking.

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Checking Accounts Include

$100 minimum deposit to open

  • Digital Banking
  • Mobile app
  • Mobile deposits
  • Digital Statements
  • Debit Card
  • Easy transfers between accounts
  • Card management
  • Email/text alert, upon request
  • Optional round-up savings program, which rounds each debit card purchase to the nearest whole dollar and deposits the change
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Our most popular account

Personal Checking

  • No minimum balance
  • No monthly service charge, if you sign up for digital statements
  • Only a $3 monthly fee if you choose paper statements
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A high-balance investment

Interest Checking

  • Earn interest on balances over $5,000
  • $10 monthly service charge, if balance drops below $5,000
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Banking with Benefits

Club Checking

$8 monthly club fee

  • Free Club Checks
  • Free Cash back member rewards*
  • Free official checks, up to 4 per month
  • 3-in-1 credit file monitoring*
  • $2,500 identity theft protection
  • $10,000 accidental death and dismemberment insurance**
  • $35,000 scheduled airline coverage
  • Discounts on movie tickets and theme parks*
  • No minimum balance

*Registration/activation required.

**Insurance products noted above are not insured by FDIC or any federal government agency. They are not a deposit of or guaranteed by the bank or any bank affiliate.

Overdraft Protection

We understand that life happens and you can lose track of how much money is in your account. That’s why you can request to add one of several overdraft protection options to your checking account.

Learn More

What you’ll need to open an account

  • One valid, unexpired, government-issued photo ID, such as a valid driver’s license or passport.
  • Social security number or individual taxpayer identification number.
  • Date of birth.
  • Home address.
  • Utility bill with current address information, if your address is different than the one on your photo ID.
  • If opening a custodial account for a minor, a birth certificate and Social Security card.
  • For estate accounts, a business Employer ID Number is required.  You can get an EIN for free at
  • Estate accounts require a copy of the court probate document.