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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGES FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.  The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.  For more information about temporary FDIC insurance coverage of transcation accounts, visit www.fdic.gov
 

Checking Accounts
We have the checking account that will meet your needs. We leave the complex rules with the other guys. We add Great Features, Throw in Superior Service you can only get with Local Control and Management, and finally we put it all together very affordably and in most cases FREE!

FFNB Free Checking
VIP 10
VIP 20
NOW
NOW VIP
FFNB Free Business
FFNB Business
NOW Business

Savings Accounts
Our Savings accounts consistently earn higher rates than our competitors offer. You will also benefit with lower fees and in most cases, No Fees, when saving with First Farmers.

Savings
HIFI
CD 6 month – 5 years
IRA 1 – 3 years

See a short description of all of our account offerings below. For more information, please give us a call. We look forward to offering you the advantage of banking with FFNB!

FFNB Free Checking
This is a great account for personal or for non-profit groups with unlimited check writing and no minimum balance rules. No maintenance or per check fees. This account is free and is non-Interest bearing. Great Extras are included like ATM/Check Cards, Internet and Mobile Banking as well as Voice Banking service. Images of your checks will be included in your monthly statement. Free checks are provided with your first order.
Minimum opening balance is $100.00.

VIP 10
VIP 20

These checking accounts are available for personal use. VIP 10 and 20 include premium services such as accidental insurance coverage in the amounts of $10,000 or $20,000 depending on your selection. Other premium services include free checks up to $10.00 per order. Free Money Order service. Extra free ATM use. Discount (coupon) catalogues. Other features are included in the VIP program.
There is no minimum balance requirements and no per check charges. Unlimited check writing capability. ATM /Check Cards, Internet, Mobile and Voice services are available. A monthly fee of $7.50 or $8.50 is charged directly to the account for the VIP premium services and insurance. Minimum opening deposit is $100.00. This is a non-interest bearing account. Images of your checks are included with your monthly statement.

NOW
This is an interest bearing checking account available for personal use. Minimum opening deposit is $1500.00. If the balance falls below $1500.00 there is an $8.00 fee charged to the account. You will have unlimited check writing with no per check fee. ATM/Check cards, Internet, Mobile and Voice service extras. Images of your checks are included with your monthly statement.

NOW VIP
You get interest bearing checking available for personal use with the popular premium VIP service extras with unlimited check writing. Also available to this account are the ATM/Check cards, Internet, Mobile, and Voice services. Minimum opening deposit is $1500.00. A fee of $8.00 is charged if the balance falls below $1500.00. VIP charge applies each month in the amount of $7.50 or $8.50 based on the insurance amount you select. Images of your checks are included with your monthly statement.

FFNB Free Business
This is a great checking account with premium services available for commercial accounts. No minimum balance requirements and no per check charges.
Internet, Voice and Mobile Banking are available. Minimum opening balance $100.00. The account is limited to a maximum of 250 debit items each month. Images of your checks are included with your monthly statement.

FFNB Business
For the larger business accounts we offer a low cost checking service with great features. Monthly charge is only $5.00 with no per check fees. Unlimited debit items are available with this account. Internet, Voice and Mobile services are included. The $5.00 monthly charge is waived if a balance of $25,000 is maintained. The minimum opening balance is $100.00. Images of your checks are provided in your monthly statement

Business Now
This is interest bearing checking for commercial accounts.
Not available to incorporated entities. This account is available to Sole Proprietors as well as Municipalities. Minimum opening balance is $1500.00. A monthly fee of $8.00 is charged directly to the account regardless of balance maintained. No per check fees and unlimited check writing.
Monthly fee is waived for municipalities. Images of your checks are included with your monthly statement.

Regular Statement Savings
This is the passbook savings account improved. No fees are charged to this account unless you fall below a $20.00 balance. The minimum opening balance is $50.00. No check writing capability. Unlimited withdrawals are available by telephone or in person. A simple savings account that provides a great way for you to get started on saving for the future. This account is available to all depositors. Quarterly statements are provided with this account

HIFI
This account has been a favorite of our customers for years. You will get a great rate of return combined with limited check writing capability (limit of 3 per month). Available to all depositors and suited for those that want CD like returns without locking up your money. No fee is charged to this account unless the minimum balance falls below $2500.00. Withdrawals are unlimited in person. Penalty for falling below the minimum balance is $8.00. Monthly statements with images of your checks are included.

Certificate of Deposit
We offer CD’s in terms from 6 months through 5 years. We offer great features with these accounts to include direct deposit of interest, monthly checks, auto renewal service, and more for free. Minimum deposit is $1000.00. This is a great way to save for the future without the risks of some non-bank investments.

IRA
We offer both Traditional and Roth IRA accounts. These are available with 1 through 3 year terms. Minimum opening balance is $1000.00. A great tax tool for your savings plans. Some limitations may apply to the amount of deposit you can make on an annual basis.