Our Basic Checking account allows you to have unlimited checking for a low monthly fee. If you maintain a $500.00 average monthly balance or sign up for direct deposit of your primary payroll, retirement or other income to Basic Checking there is no fee. Your first order of personalized checks is free. Afterwards, a wide variety of check styles are available at economical prices.** (Suggested account persons under 55 who write few checks)
With this account you get the best of the checking and savings world in one package. You can write unlimited checks and, if your account balance is over $700 each day of the month, your account will earn interest at rates that grow with your balance. A low monthly fee will be assessed if the balance falls below $2500 during the month.** (Suggested account for persons under 55 who maintain larger balances and wish to receive interest)
For just a few dollars each month, you can take advantage of the many features of The Club Account such as free personalized checks (one design only, other check designs are available at a discounted price). Other benefits include free traveler's checks, ten free copies per month, and a free notary service. Key Ring Protection and Credit Card Protection is provided at no additional charge as well as a member magazine, discounts on travel and recreation, and accidental death and dismemberment insurance.*** (Suggested account for persons under 55 who write a lot of checks or who need the services provided).
Students (up to age 23) can obtain a Basic Checking account with no monthly service charge.**
Checking Account (must be age 55 or over to qualify)
With Silver Checking, you get free personalized checks (one design only, other check designs are available at a discounted price), free traveler's checks, ten free copies per month, free notary service and more. If you maintain a minimum balance of $700 you will earn interest at rates that grow with your balance and avoid the monthly maintenance. Sign up for direct deposit of your primary payroll, retirement or other income to Silver Checking and there will be no maintenance fee.** (our best account for Senior Citizens)
This notification is provided pursuant to the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG. The Act prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As an account holder, these restricted transactions are prohibited from being processed through the account or relationship with First Farmers and Commercial Bank.
*FDIC Insurance - Deposit accounts are insured by the Federal Deposit Insurance Corporation up to $250,000. Deposits maintained in different categories of legal ownership are separately insured. Accordingly, you can have more than $250,000 insurance coverage in a single institution if your funds are owned and deposited in different ownership categories.
rate, fee, and penalty disclosure information contact us for a
copy of our "Your Deposit Account" brochure.
***Not a deposit. Not FDIC insured. Not insured by any federal government agency. Not guaranteed by the Bank.