Ready Check Overdraft Protection

First Farmers & Merchants Bank offers Overdraft Service options to help protect your checking account without paying the costly overdraft fees. We invite you to look over our Overdraft Service options and select the one that’s right for you to simplify your life and help you manage your finances.

Ready Check Personal Line of Credit*

A Ready Check Personal Line of Credit may be attached to your checking account for overdraft protection, and much more! It is a convenient credit line that allows you to write yourself a loan whenever you need it.

The Ready Check Personal Line of Credit will automatically deposit money into your First Farmers & Merchants Bank checking account to prevent an overdraft in $300 increments up to your approved credit limit.

There are also options for repayment:

  • Automatically deducted from your checking account each month until your loan is paid off, 
  • Make additional payments or pay your loan in full at any time at your branch location 
  • Use the First Farmers & Merchants mobile app to make payments from wherever you are.
Automatic Transfer

Another way to protect your checking account from a costly overdraft fee is to sign up for an

automatic transfer.

An automatic transfer may be set up so that funds from your First Farmers & Merchants Bank

savings or another checking account would be automatically transferred to your checking

account to cover any overdrafts. 

Please ask your local branch for the current fee for this service. If you would like to ask any questions about our checking account options, or any of our products or services, contact a Customer Service Representative.

*Subject to credit approval. Finance charges may apply.