Checking

First Farmers & Merchants Bank gives you choices - and no matter which account you choose, you’ll get a great set of checking account features that anyone can appreciate. 

All checking accounts give you access to Online and Mobile Banking, which is paired with suite of management tools that let you track your spending, pay bills, send money, deposit checks and more.

Whether it’s the convenience of a check card or reliable online banking, our checking accounts offer lots of features and options. Find out how First Farmers & Merchants Bank has you covered with great features when you need a checking account that’s perfect for you.

Applying for a checking account doesn’t have to be long and overwhelming process. Complete the Account Application Information form and bring it into your local First Farmers & Merchants Bank and we'll be happy to get you back on the road in no time.

Scroll to the left to view the rest of the table.

*Upon approval and some fees may apply 


Minimum balance listed reflects balance required to avoid a maintenance fee. 

^Paper statements are available for a monthly service fee per checking account opened on 8/1/16 or after. Must enroll for e-Statements within 30 days of account opening.

**First Value Checking also offers the option of paying a monthly fee for no minimum balance.

  • Additional Benefits Include: Free checks and unlimited check writing, No fee for money orders and cashier checks, Free notary service, Free copying service (up to 10/month), and safe deposit box credit. Check individual bank locations for benefits not listed. 

Golden Opportunity Checking: Account holder must be 55 or older to qualify for this account.