personal-loans

Checking

At Farmers Bank, we have a strong relationship with the community we serve. It’s our goal to help you achieve your financial goals. We offer a broad spectrum of financial services ranging from traditional savings and checking accounts, to secure Online Banking, Bill Pay and Mobile Banking. Farmers Bank can even help you look towards retirement with an IRA savings account. We invite you to open an account today and discover for yourself what we mean when we say, “Farmers Bank is Community Banking Perfected.”

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Account Features Personal Relationship Checking Progressive Checking Statement Manager Royal Express Now Account Super Now Account Money Market Account
Monthly Interest Earned
Free Online Banking
Free Telephone Banking
Free Mobile Banking
Free Online Bill Pay
Free Farmers Bank VISA Check Card *
Free Safe Deposit Box One Year Discount
Unlimited Check Writing Limit on Transactions
Premium Rate on Certificates of Deposit **
Discounts on Loans ***
Images Available in Monthly Statement Upon Request Upon Request
Age Limit All Ages All Ages All Ages 55 & Older All Ages All Ages All Ages
Minimum Daily Balance to Avoid Fee $20000**** None $650 Average Daily Balance None $800 $2500 $2500
Fee If Daily Balance Not Met $15 None $6.50(If Average Daily Balance Not Met) None $8 $8 $8
Deposit Required to Open Account $100 $100 $100 $25 $100 $100 $100

* Check card purchases must be processed as a “credit” transaction at point of sale; surcharges apply when used at locations other than Farmers Bank.
** Receive .25 basis points above the regular CD rate for terms up to 1 year. Not applicable for CD specials.
*** See loan officer for details.
**** With $20,000 in combined deposit balances in checking, savings, money market accounts, certificates of deposit, or $20,000 in retail loan balances or lines of credit


Personal Relationship Checking


Personal Relationship Checking
interest checking featuring free premium benefits and services

  • Maintain $20,000 in combined deposit balances in checking, savings, money market accounts, certificates of deposit, or $20,000 in retail loan balances or lines of credit to avoid a $15.00 monthly service charge
  • unlimited checking privileges
  • free cashiers checks
  • free use of a safe deposit box for one year.
  • bonus rates on certificates of deposits
  • premium discounts on new loans
  • free Online Banking and Bill Pay
  • free Bill Pay
  • free Mobile Banking*
  • free VISA Check Card**
  • free Telephone Banking

 

Receive .25 basis points above the regular CD rate for terms up to 1 year. Not applicable for CD specials.
See loan officer for details.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. you must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.


Progressive Checking


Progressive Checking
featuring no minimum balance requirements

  • no minimum balance requirements
  • unlimited checking privileges
  • students are eligible to open with only a $25 deposit
  • $100.00 to open
  • free VISA debit card**
  • free telephone banking
  • free online banking
  • free online bill pay
  • free Mobile Banking*

Statement Manager Checking


Statement Manager Accounts
Featuring copies of checks with your statement

  • free ‘imaged copies’ of original checks
  • unlimited checking privileges
  • a minimum daily average daily balance of $650.00 is required
  • $6.50 service charge if average daily balance is not maintained
  • free VISA debit card**
  • free telephone banking
  • free online banking
  • free online bill pay
  • free Mobile Banking*

Royal Express Checking



Royal Express Checking
featuring special benefits for seniors

  • customers 55 years and older
  • no minimum balance
  • no monthly maintenance fees
  • unlimited checking privileges
  • free image statements every month
  • free Royal Express checks (or $5 credit for another style
  • discount on a safe deposit box
  • eligible to participate in special events, including trips and seminars
  • free VISA debit card**
  • free telephone banking
  • free online banking
  • free online bill pay
  • free Mobile Banking*


Now Account Checking



Now Account
Featuring Monthly Interest

  • competitive rate of interest with no transaction limitations
  • interest will be deposited to the account monthly
  • a minimum balance of $800.00 is required in the account each day to obtain the disclosed annual percentage yield
  • $8.00 service charge if minimum daily balance is not maintained
  • $100.00 to open
  • free VISA debit card**
  • free telephone banking
  • free online banking
  • free online bill pay
  • free Mobile Banking*

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. you must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Super Now Account Checking



Super Now Account
Featuring Monthly Interest

  • competitive rate of interest with no transaction limitations
  • interest will be deposited to the account monthly
  • a minimum balance of $2,500.00 is required in the account each day to obtain the disclosed annual percentage yield
  • $8.00 service charge is minimum daily balance is not maintained
  • $100.00 to open
  • free VISA debit card**
  • free telephone banking
  • free online banking
  • free online bill pay
  • free Mobile Banking*

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. you must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.


Money Market Checking



Money Market Accounts
featuring competitive interest rates

  • combines a competitive rate of interest and a limited number of customer initiated transactions
  • interest will be deposited to the account monthly
  • $100 to open
  • A minimum average daily balance of $2500.00 is required
  • $8.00 service charge if minimum daily balance is not maintained
  • a fee of $8.00 will be charged for each check or other debit that exceeds the six (6) allowed during the statement cycle
  • higher ‘Tiered’ interest rates for higher account balances
  • free VISA debit card**
  • free telephone banking
  • free online banking
  • free online bill pay
  • free Mobile Banking*

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. you must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.


*Charges may apply by service provider
**Checkcard purchases must be processed as a ‘credit’ transaction at Point Of Sale; surcharges apply when used at locations other than Farmers Bank.

 

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE
COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-
bearing transaction account (including an Interest on Lawyer Trust Account) no longer
will receive unlimited deposit insurance coverage by the Federal Deposit Insurance
Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s accounts at an
insured depository institution, including all noninterest-bearing transaction accounts,
will be insured by the FDIC up to the standard maximum deposit insurance amount
($250,000), for each deposit insurance ownership category. For more information about
FDIC insurance coverage of noninterest-bearing transaction accounts, visit
http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.


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ONLINE BANKING

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