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 Cultivating Community.”

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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 (If Daily Balance Not Met) $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; 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 $0.25 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

$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; surcharges apply when used at locations other than Farmers Bank.


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