Earn Up To 3.50% APY* with Harvest Rewards Checking

Everybody deserves a better bank and a better bank account. Reward yourself with a checking account earning 50x the national average.
Open Your Account



Earn up to 3.50% APY* on balances up to $14,999.99


Free Digital Banking

Mobile and online connectivity on the go, with mobile check deposit and bill pay.


No Monthly Service Fee

Simply sign up for eStatements.


ATM Fee Refunds

Receive up to $10 in ATM fees refunded per statement cycle.

Everyone deserves a better bank.


Harvest Rewards checking should be rewarding, and that’s why we make it easy to earn that interest. Simply make 15 point-of-sale transactions that post during the statement cycle and enroll in eStatements and digital banking. That’s it!

Ready to reward yourself?

Getting started is easy. You can open your account online and start earning interest today!

Harvest Rewards Rates

Open Your Account
RangeStandard APY*Blended APY Range* (assumes a $40,000 balance)
$0.00 - $14,999.993.50% APY3.50% APY
$15,000 - $24,999.990.25% APY3.50% APY – 2.19% APY
$25,000 and above0.25% APY2.19% APY – 1.46% APY
Does not meet qualifications0.05% APY0.05% APY

Annual Percentage Yield as of 01/01/2023 and subject to change without notice. Fees may reduce earnings. Must sign up for online banking and receive eStatements, and complete at least fifteen (15) point of sale (POS) transactions which post and settle during the statement cycle to earn advertised APY. If customer stops receiving eStatements, customer will be charged a $3 mailed statement fee. Limit one account per tax reporting name. Interest tiers apply as follows: 3.44% interest rate and 3.50% APY applying to daily balances up to $14,999.99; 0.25% interest rate and APY ranging from 3.50% to 2.19% applying to the portion of the daily balance between $15,000 and $24,999.99; 0.25% interest rate and APY ranging from 2.19% to 1.46% for all balances in excess of $24,999.99. This example assumes a maximum total balance of $40,000. Other terms and conditions may apply. Ask for details. 


Why Is It Rewarding to Bank with First Farmers?

I had the pleasure of once again visiting this bank in person today. Due to their user friendly website and comprehensive online services I rarely need to visit in person. Today, I needed to convert change into bills and I cannot do that online. If anyone knows how to do that, please clue me in. The staff here is always friendly and helpful and the bank’s services are all encompassing. I asked the staff member if she could pass a message on to their online department. She thought I wanted to voice a complaint. Nothing could have been further from the truth as I find no complaint with this bank. Along with the positive experiences I have had in person, their online services, website and attention to detail are outstanding. Secure messages are replied to in more than a timely manner and are informative. One of the better online services I have interacted with. First Farmers Bank and Trust in Paris Illinois is a well rounded bank and a pleasure to do business with. Highly Recommend.

Deb M.

Paris, IL
I absolutely love love love this bank and all the staff members are super friendly and so kind. We need more of it.

Doddie M.

Terre Haute, IN
After a long stretch of experiencing sub-par customer service from many different businesses and government entities, this branch of First Farmers Bank and Trust was a welcome relief. Christopher and the rest of the crew went above and beyond to make sure our needs were met today. At closing time, no less. Truly remarkable customer service. That’s a rare thing these days. Thank you all very much.

Cardinal C.

Kokomo, IN
I’ve been with First Farmers for 20 years. They have always served my needs. Online banking is good and their staff is very pleasant. I have no issues with this bank.

Josh S.

Marion, IN

Best bank in town, in my opinion. Many of the people that work here, have been here for many years. They are truly kind, and treat customers with respect. My mother has banked with them for a very long time. And they truly treat her like family. And I'm not just saying that, they genuinely look out for my mother. This is a great bank, with the very best employees! Thank you for all that you do for my mother (Nancy) They will know who she is by first name only!

B Humphries

Elwoord, IN

Best Bank Ever and Personel that go above & beyond to help with any special bank transactions. 100% Pure Professional Excellence !!!

Robert S.

Oakwood, IL

Lets Connect

Give us a call: 800.371.3316

For lost or stolen FFBT MasterCard debit cards, please call 833.933.1681

For lost or stolen FFBT Personal Visa credit card, please call 800.558.3424

For lost or stolen FFBT Business Visa Credit Card, please call 866.552.8855