Which Account is Right For You?
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.
Apply for a checking account using the application linked below.
Account Features
All of our checking accounts have the following features:
Everyday Checking
The Everyday Checking account is a straightforward account with no minimum balance requirement and no monthly maintenance fees.
- Opening Deposit: $50
- No monthly maintenance fee when enrolled in e-Statements
- No minimum balance requirement
- Free e-Statements. Paper statements are available for a $5 monthly fee.^
Interest Checking
The Interest Checking account is a great option for those who want to earn interest on their checking account or anticipate maintaining a balance above $500.
- Opening Deposit: $500
- Minimum Balance to avoid monthly fee: $500
- $5 monthly maintenance fee, waived if minimum balance is met
- Free e-Statements. Paper statements are available for a $5 monthly fee.^
- Earns interest
Contact your local branch for current interest rates.
Platinum Checking
The Platinum Checking account offers many benefits and is a great option for customers who wish to utilize additional services for no additional charge, or those who anticipate maintaining a combined balance above $10,000.
- Opening Deposit: $50
- Minimum combined daily balance in checking, savings, IRA, or certificate of deposit accounts to avoid monthly fee: $10,000
- $10 monthly maintenance fee, waived if minimum balance is met
- Free e-Statements. Paper statements are available for a $5 monthly fee.^
Benefits
Platinum Checking Accounts receive the following benefits for no additional charge:
- Earns interest
- Checks (single premier checks)
- Money Orders
- Cashier's Checks
- Safe Deposit Box Credit
- Bill Pay
Contact your local branch for current interest rates.
Golden Opportunity Checking
The Golden Opportunity Checking account offers the same benefits as the Interest Checking account with no minimum balance requirement. Account holder must be age 55 or older to qualify.
- Opening Deposit: $50
- No minimum balance
- No monthly maintenance fee when enrolled in e-Statements
- Free e-Statements. Paper statements are available for a $5 monthly fee.^
Benefits
- Earns interest
- Free Checks
Contact your local branch for current interest rates.
^Paper statements are available for a monthly service fee per checking account. Must enroll for e-Statements within 30 days of account opening to avoid monthly service fee.
*Monthly fee may apply. Bill Pay fee is waived for Platinum Checking accounts.
**Upon approval and some fees may apply.