Checking Accounts

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 and Bill Pay. 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.”

Personal Relationship
Royal Express
Now & Super Now
Progressive
Statement Manager
Money Market
Compare Accounts

Personal Relationship Checking
featuring free premium benefits and services

Farmers Bank designed this account to give our customers more benefits from their banking account!

Personal Relationship Checking account holders receive a variety of our premium services absolutely free. These include unlimited checking privileges, free online banking and online Bill Pay, free telephone banking, a free Farmers Bank VISA® check card, free Travelers Cheques and cashiers checks and free use of a safe deposit box for one year. This account also entitles you to bonus rates on certificates of deposit and premium discounts on new loans.

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.

Royal Express Checking
featuring special benefits for seniors

We created this account especially for our customers 55 years and older. This checking account has no minimum balance and no monthly maintenance fees. It also includes unlimited checking privileges, free image statements every month, free Royal Express checks, and a discount on a safe deposit box. Royal Express account holders are also eligible to participate in special events, including trips and seminars.

Past Events

“Grease” at Toby’s Dinner Theatre & “In the Beginning” at Sight and Sound Theatre - 2007

Now & Super Now Accounts
featuring monthly interest

Now you can have your checking with monthly interest too! Farmers Bank's Now and Super Now accounts offer competitive rates with no transaction limits.

Now Account

An account which pays a very competitive rate of interest with no transaction limitations. Interest will be deposited to the account monthly.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in 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 noncash 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.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A minimum daily balance of $800 is required. If you do not maintain this balance, a service charge of $8.00 will be assessed.

Super Now Account

An account which pays a competitive rate of interest with no transaction limitations. Interest will be deposited to the account monthly.

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 noncash 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.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A minimum daily balance of $ 2,500 is required. If you do not maintain this balance, a service charge of $ 8.00 will be assessed.

  • no check transaction limitations
  • interest credited monthly
  • no service charges if average balance is $800 or more
  • Free VISA debit card
  • Free telephone banking
  • Free online banking
  • Free online bill pay

Progressive Checking
featuring no minimum balance requirements

Farmers Bank created this account especially for people who use their checking account frequently. This basic checking account gives you unlimited checking privileges and has no minimum balance requirements. It also comes with free online Bill Pay and online banking for your added convenience. Students are eligible to open a Progressive Checking account with only a $25 deposit!

Limitations: you must deposit $100.00 to open this account

Statement Manager Accounts
featuring copies of checks with your statement

This account has all the features of our Progressive Checking Account with the added benefit of imaged copies of the original checks with your monthly statement.

  • Free VISA debit card
  • Free telephone banking
  • Free online banking
  • Free online bill pay
  • unlimited checking privileges
  • Free ‘imaged copies’ of original checks
  • No service charges if average balance is $650 or higher

Money Market Accounts
featuring competitive interest rates

An account that combines a competitive rate of interest with a limited number of customer initiated transactions. Interest will be deposited to the account monthly.

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 own discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash 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.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to the third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: A daily balance of $2500 is required. If this balance is not maintained, there is a $8.00 service charge. In addition a fee of $8.00 will be charged for each check written above the 3 allowed.

  • Free VISA debit card
  • Free online banking
  • Free online bill pay
  • Free telephone banking
  • Higher ‘Tiered’ interest rates for higher account balances
  • No service charges with minimum balances of $1,000 or more
Account Features Personal Relationship Checking Progressive Checking Account Statement Manager Account Royal Express Checking The Now Account The Super Now Account Money Market Account
Monthly Interest Earned      
Free Online Banking
Free Telephone Banking
Free Online Bill Pay
Free Farmers Bank
VISA Check Card *
Free Travelers Cheques    
Free Safe Deposit Box One Year     Discount
Unlimited Check Writing
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 Average Daily
Balance to Avoid Fee		 $20,000**** None $650 None $800 $2,500 $2,500
Fee If Average Daily Balance
Not Met		 $15 None $6.50 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

Open an Account

To open an account at Farmers Bank, please bring the following information to one of our convenient locations.  Farmers Bank is required to verify funds and identification of all account holders.   

Please provide: 
A valid drivers license, a valid government issued photo ID, or a valid passport (a second form of ID may be needed – Social Security Card, birth certificate or credit card), Social Security Number, a current address along with a mailing address, phone number, employer information (if applicable).  Business Accounts require a Tax ID number and business license.