Personal Checking

First & Farmers National Bank’s FREEDOM Suite of Accounts gives you the freedom to bank when, where and how you choose! We have a wide range of products and services sure to fit your needs! All of our checking accounts may be opened with as little as $100.00.

With any of our FREEDOM Suite checking accounts, holders may enjoy the benefits and flexibility of these convenient services: A free ATM or VISA® Debit Card, FREE Online Banking and Bill Pay, VIP Access Line telephone banking, and FREEDOM Mobile Banking services.

FREEDOM Rewards Checking

Reap the Rewards with this FREE Rewards Account!

Rewards:

2.00% APY on account balances up to $5,000.00 and 0.15% APY on account balances over $5,000.00*
Requirements:

  1. 15 Debit Card Purchases
  2. Register and use Online/Mobile Banking
  3. Enroll in Online Statements

To receive the rewards, the account must meet the requirements listed above each statement cycle. If qualifications are not met, the account will not receive the rewards during that month. Rewards will resume the next month qualifications are met. Interest will be added to the account each statement cycle.

Additional Perks:

  • No monthly service charge
  • No minimum balance required

*Annual Percentage Yield (APY) accurate as of 07/18/18 and is valid only if requirements are met each statement cycle. No minimum balance required to receive earnings. Rates may change after the account is opened. Fees may reduce earnings.

FREEDOM Rewards Plus Checking

Swipe into savings with this FREE Rewards Account!

Rewards:

2% cash back on everyday debit card purchases*
Requirements:

  • 15 Debit Card Purchases
  • Register and use Online/Mobile Banking
  • Enroll in Online Statements

To receive the rewards, the account must meet the requirements listed above each statement cycle. If qualifications are not met, the account will not receive the rewards during that month. Rewards will resume the next month qualifications are met. Cash back will be added to the account each statement cycle.

Additional Perks:

  • No monthly service charge
  • No minimum balance required

*2% cash back is accurate as of 07/18/18 and is only valid on debit card purchases. Maximum of $7 cash back per month as long as qualifications are met each statement cycle. Rate may change after the account is opened. Fees may reduce earnings.

FREEDOM Choice Checking

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

  • FREE Club Checks and Discounts on Additional Styles
  • $10,000 Accidental Death Insurance
  • $35,000 Scheduled Airline Coverage
  • $2,500 Identity Theft Protection – Restoring your name and good credit can be time consuming and expensive. This plan will cover expenses incurred in the recovery of a stolen identity.
  • 3-in-1 Credit File Monitoring – Protect your identity by receiving daily automated alerts of key changes to Equifax, TransUnion, and Experian credit reports.*
  • 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.*
  • Discounts on Movie Tickets and Theme Parks – Get tickets in advance to avoid lines, and enjoy savings of up to 40% on tickets.*
  • FREE Official Checks, up to 4 per month
  • No monthly minimum balance requirement
  • All of these great benefits for an $8.00 monthly club fee!

* Registration/Activation Required

If you have already opened a FREEDOM Choice or FREEDOM Choice Plus Checking Account, you may register and request your benefit information at www.eClubOnline.net.

The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among joint account holders.

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.

FREEDOM Choice Plus Checking

For those age 55 years of age or better, receive ALL the valuable benefits of FREEDOM Choice checking plus earn interest on every penny in your account at a discounted club fee of only $6.00 per month.

FREEDOM Glory Checking

Our no-frills checking account offers convenience and affordability! By maintaining a minimum daily balance of $500, you can avoid the service charge of $3.00. Save $1.00 of the service charge by signing up for online statements through online banking. To show our appreciation for our loyal customers age 70 or better, all service charge and minimum balance requirements are waived!

FREEDOM Now Checking

If you typically maintain a checking balance of $1,000, a FREEDOM Now checking account may fit you best. Interest is earned on all balances over $1,000. Should the account fall below $1,000 throughout the month, the account will incur a $7.00 service charge. For more information regarding the current rate on a FREEDOM Now account, contact your local FFNB Branch.

FREEDOM Super Now Checking

Our FREEDOM Super Now 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 $10.00 service charge. Interest is earned on balances above $1,000, and balances greater than $2,500 earn a better rate.

Health Savings Account

A Health Savings Account (HSA) is a tax-advantaged medical savings account that helps those with HSA-qualified health plans to save money on many out-of-pocket qualified medical expenses. You can contribute funds into an HSA on a pre-tax basis to save for current and future medical expenses, putting you in charge of how you spend your health care dollars. A professional tax accountant can advise you if an HSA is your best option. Minimum deposit required to open is $100.

Round Up Savings

Round Up Savings is a quick and easy way to save a lot more money than you ever expected and can help you reach your saving goals a lot faster than you ever imagined. The Round Up Savings program is a free service provided by First & Farmers National Bank. To sign up for the program you must have a First & Farmers checking account, debit card, and savings account. Here’s how it works:

  • Use your First & Farmers Debit Card* to make purchases – pay for gas, groceries, or just about anything.
  • We’ll automatically “round up” the transaction amount to the nearest dollar.
  • The “rounded up” amount will be deposited into your First & Farmers savings account.

Just stop by any of our convenient offices and ask any of our Customer Service Representatives to sign you up for Round Up Savings today!

*Applies to Debit Card purchases only. Accounts will not round up if the checking account does not have sufficient available funds. Signature is required to sign up or to cancel this service.

Personal Checking

First & Farmers National Bank’s FREEDOM Suite of Accounts gives you the freedom to bank when, where and how you choose! We have a wide range of products and services sure to fit your needs! All of our checking accounts may be opened with as little as $100.00.

With any of our FREEDOM Suite checking accounts, holders may enjoy the benefits and flexibility of these convenient services: A free ATM or VISA® Debit Card, FREE Online Banking and Bill Pay, VIP Access Line telephone banking, and FREEDOM Mobile Banking services.

FREEDOM Rewards Checking

Reap the Rewards with this FREE Rewards Account!

Rewards:

2.00% APY on account balances up to $5,000.00 and 0.15% APY on account balances over $5,000.00*
Requirements:

  1. 15 Debit Card Purchases
  2. Register and use Online/Mobile Banking
  3. Enroll in Online Statements

To receive the rewards, the account must meet the requirements listed above each statement cycle. If qualifications are not met, the account will not receive the rewards during that month. Rewards will resume the next month qualifications are met. Interest will be added to the account each statement cycle.

Additional Perks:

  • No monthly service charge
  • No minimum balance required

*Annual Percentage Yield (APY) accurate as of 07/18/18 and is valid only if requirements are met each statement cycle. No minimum balance required to receive earnings. Rates may change after the account is opened. Fees may reduce earnings.

FREEDOM Rewards Plus Checking

Swipe into savings with this FREE Rewards Account!

Rewards:

2% cash back on everyday debit card purchases*
Requirements:

  • 15 Debit Card Purchases
  • Register and use Online/Mobile Banking
  • Enroll in Online Statements

To receive the rewards, the account must meet the requirements listed above each statement cycle. If qualifications are not met, the account will not receive the rewards during that month. Rewards will resume the next month qualifications are met. Cash back will be added to the account each statement cycle.

Additional Perks:

  • No monthly service charge
  • No minimum balance required

*2% cash back is accurate as of 07/18/18 and is only valid on debit card purchases. Maximum of $7 cash back per month as long as qualifications are met each statement cycle. Rate may change after the account is opened. Fees may reduce earnings.

FREEDOM Choice Checking

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

  • FREE Club Checks and Discounts on Additional Styles
  • $10,000 Accidental Death Insurance
  • $35,000 Scheduled Airline Coverage
  • $2,500 Identity Theft Protection – Restoring your name and good credit can be time consuming and expensive. This plan will cover expenses incurred in the recovery of a stolen identity.
  • 3-in-1 Credit File Monitoring – Protect your identity by receiving daily automated alerts of key changes to Equifax, TransUnion, and Experian credit reports.*
  • 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.*
  • Discounts on Movie Tickets and Theme Parks – Get tickets in advance to avoid lines, and enjoy savings of up to 40% on tickets.*
  • FREE Official Checks, up to 4 per month
  • No monthly minimum balance requirement
  • All of these great benefits for an $8.00 monthly club fee!

* Registration/Activation Required

If you have already opened a FREEDOM Choice or FREEDOM Choice Plus Checking Account, you may register and request your benefit information at www.eClubOnline.net.

The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among joint account holders.

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.

FREEDOM Choice Plus Checking

For those age 55 years of age or better, receive ALL the valuable benefits of FREEDOM Choice checking plus earn interest on every penny in your account at a discounted club fee of only $6.00 per month.

FREEDOM Glory Checking

Our no-frills checking account offers convenience and affordability! By maintaining a minimum daily balance of $500, you can avoid the service charge of $3.00. Save $1.00 of the service charge by signing up for online statements through online banking. To show our appreciation for our loyal customers age 70 or better, all service charge and minimum balance requirements are waived!

FREEDOM Now Checking

If you typically maintain a checking balance of $1,000, a FREEDOM Now checking account may fit you best. Interest is earned on all balances over $1,000. Should the account fall below $1,000 throughout the month, the account will incur a $7.00 service charge. For more information regarding the current rate on a FREEDOM Now account, contact your local FFNB Branch.

FREEDOM Super Now Checking

Our FREEDOM Super Now 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 $10.00 service charge. Interest is earned on balances above $1,000, and balances greater than $2,500 earn a better rate.

Health Savings Account

A Health Savings Account (HSA) is a tax-advantaged medical savings account that helps those with HSA-qualified health plans to save money on many out-of-pocket qualified medical expenses. You can contribute funds into an HSA on a pre-tax basis to save for current and future medical expenses, putting you in charge of how you spend your health care dollars. A professional tax accountant can advise you if an HSA is your best option. Minimum deposit required to open is $100.

Round Up Savings

Round Up Savings is a quick and easy way to save a lot more money than you ever expected and can help you reach your saving goals a lot faster than you ever imagined. The Round Up Savings program is a free service provided by First & Farmers National Bank. To sign up for the program you must have a First & Farmers checking account, debit card, and savings account. Here’s how it works:

  • Use your First & Farmers Debit Card* to make purchases – pay for gas, groceries, or just about anything.
  • We’ll automatically “round up” the transaction amount to the nearest dollar.
  • The “rounded up” amount will be deposited into your First & Farmers savings account.

Just stop by any of our convenient offices and ask any of our Customer Service Representatives to sign you up for Round Up Savings today!

*Applies to Debit Card purchases only. Accounts will not round up if the checking account does not have sufficient available funds. Signature is required to sign up or to cancel this service.

First & Farmers National Bank
Copyright 2018
Bank Routing# 083903108

Member FDIC Equal Housing Lender

     First & Farmers National Bank
     Copyright 2018
     Bank Routing# 083903108