Personal Business

Personal Business

Checking

Farmers Bank is proud to offer customers convenient checking services, with easy-to-order checks, secure check cards, fee-free ATMs, monthly interest, and a variety of other benefits and resources.


Account Features Personal Relationship Checking Progressive Checking Statement Manager 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
Unlimited Check Writing Limit on Transactions
Premium Rate on Certificates of Deposit **
Discounts on Loans ***
Images Available in Monthly Statement Upon Request N/A $2.00 Monthly Fee $2.00 Monthly Fee $2.00 Monthly Fee $2.00 Monthly Fee
Age Limit All Ages All Ages All Ages All Ages All Ages All Ages
Minimum Daily Balance to Avoid Fee $20000**** None $1000 $800 $2500 $2500
Fee If Daily Balance Not Met $15 None $10.00 $8 $8 $8
Deposit Required to Open Account $100 $100 $100 $100 $100 $100
* Check card purchases must be processed as a “credit” transaction at point of sale; fees and or surcharges apply when used at locations other than Farmers Bank. ** Receive 0.25% 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 0.25% 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
  • $100.00 to open
  • No minimum balance requirements.
  • Unlimited checking privileges.
  • eStatements are required for this account. Should you want to receive a paper summary, there will be a $5.00 fee
  • for each statement cycle in which a paper statement is received.
  • Free VISA debit card++
  • Free telephone banking
  • Free online banking
  • Free online bill pay
  • Free mobile banking+

Statement Manager Checking

Statement Manager Checking: Featuring a paper statement summary of your account
  • $100.00 to open
  • Unlimited checking privileges
  • A minimum daily balance of $1,000.00 is required to avoid imposition of a maintenance fee
  • $10.00 maintenance fee will be charged each statement cycle if the balance falls below $1,000.00 any day during the statement cycle
  • A $2.00 check imaging fee will be charged per statement cycle for check images. You may contact the bank to discontinue this check imaging service and fee
  • 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
  • $100.00 to open
  • Competitive rate of interest with no transaction limitations.
  • Interest will be deposited to the account monthly.
  • $8.00 maintenance fee will be charged each statement cycle if the balance falls below $800.00 any day during the statement cycle.
  • A $2.00 check imaging fee will be charged per statement cycle for check images. You may contact the bank to discontinue this check imaging service and fee.
  • 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 $800.00 in the account each day to obtain the disclosed annual percentage yield.

Super Now Account Checking

Super Now Account: Featuring Monthly Interest
  • $100.00 to open
  • Competitive rate of interest with no transaction limitations.
  • Interest will be deposited to the account monthly.
  • $8.00 maintenance fee will be charged each statement cycle if the balance falls below $2,500.00 any day during the statement cycle.
  • A $2.00 check imaging fee will be charged per statement cycle for check images. You may contact the bank to discontinue this check imaging service and fee.
  • 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 in the account each day to obtain the disclosed annual percentage yield.

Money Market Checking

Money Market Accounts: Featuring competitive interest rates
  • $100.00 to open
  • Combines a competitive rate of interest and a limited number of customer initiated transactions.
  • Interest will be deposited to the account monthly.
  • $8.00 maintenance fee will be charged each statement cycle if the balance falls below $2,500.00 any day during the statement cycle.
  • $8.00 fee will be charged for each check or other debit that exceeds the six (6) allowed during the statement cycle.
  • A $2.00 check imaging fee will be charged per statement cycle for check images. You may contact the bank to discontinue this check imaging service and fee.
  • 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 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; fees and or surcharges apply when used at locations other than Farmers Bank.

Business Hours - Windsor, Smithfield, Hillpoint, Lakeside

Monday-Thursday: 9am to 5pm Friday: 9am to 6pm
Weekend: Closed

Business Hours - Harbour View, Courtland

Monday-Thursday: 9am to 4pm Friday: 9am to 6pm
Weekend: Closed

All Drive through locations are open until 6pm Monday-Friday

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