Earn More with Elite Business Checking from First Farmers
SAY HELLO TO ELITE BUSINESS CHECKING
An elite business deserves an elite business account. That's where we come in.
Ready to start earning what you deserve?
At First Farmers, we’re banking built on heart and grit. With over 140 years of experience in helping our business customers to thrive financially, we’ve learned a thing or two. First, recognize grit when you see it. Second, capitalize on it to build excellence. And third, reward that excellence with the service and products it deserves.
BENEFITS:
No Monthly Maintenance Fee***
Tiered Interest Rates*
Free Account Transfer Concierge Service
Includes First 500 Transactions per Statement Cycle**
ACCOUNT REQUIREMENTS
$25,000 Minimum Balance Requirement***
BENEFITS:
No Monthly Maintenance Fee***
Tiered Interest Rates*
Free Account Transfer Concierge Service
Includes First 500 Transactions per Statement Cycle**
ACCOUNT REQUIREMENTS
$25,000 Minimum Balance Requirement***
Elite Business Checking Rate Chart
| Daily Balances | APY | Blended APY* Range |
| $0 - $24,999.99 | 0.00% | 0.00% APY* |
| $25,000 - $44,999.99 | 1.26% | 0.00% - 0.56% APY* |
| $45,000 - $99,999.99 | 1.46% | 0.56% - 1.05% APY* |
| $100,000 - $199,999.99 | 1.66% | 1.05% - 1.36% APY* |
| $200,000 - $999,999.99 | 1.82% | 1.36% - 1.72% APY* |
| $1,000,000 - $1,999,999.99 | 1.82% | 1.72% - 1.77% APY* |
| $2,000,000 and above | 1.82% | 1.77% - 1.78% APY* |
Public Funds do not qualify for this product.
(1) Annual Percentage Yield as of 01/06/2026 and subject to change without notice. Fees may reduce earnings.
(2) Each transaction in excess of 500 will result in a $0.50 fee per item. Transactions include deposits, checks deposited, checks paid and ACH debits
(3) A $25.00 monthly service fee will be charged for accounts that do not meet the minimum daily balance requirements. A $3.00 mailed statement fee will apply for customers not enrolled in eStatements.
(4) Split balance interest tiers apply as follows: 0.00% Annual Percentage Yield (APY) only applies to the portion of the daily balance which is less than $25,000; 1.25% interest rate and APY ranging from 0.00% to 0.56% with interest rate applying to the portion of the daily balance between $25,000 to $44,999.99; 1.45% interest rate and APY ranging from 0.56% to 1.05% with interest applying to the portion of the daily balance between $45,000 to $99,999.99; 1.65% interest rate and APY ranging from 1.05% to 1.36% applying to the portion of the daily balance between $100,000 to $199,999.99; 1.80% interest rate and APY ranging from 1.36% to 1.72% with interest applying to the portion of the daily balance that is $200,000 to $999,999.99; 1.80% interest rate and APY ranging from 1.72% to 1.77% with interest applying to the portion of the daily balance that is $1,000,000 to $1,999,999.99; 1.80% interest rate and APY ranging from 1.77% to 1.78% with interest applying to the portion of the daily balance that is $2,000,000 and over. This example assumes a maximum total balance of $2,500,000.
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