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Personal Banking

Farmers Bank offers a variety of services to meet your Personal Banking needs.  Click on an account below to review the various features available with each.

 

 Checking Accounts

 Savings Accounts

Time Deposits

Loans

 CheckWise Checking

 Regular Savings

 Certificate of Deposit (CD)

Consumer Loans

 Regular Checking

Easy Money

IRA Account

 

 Premier Checking

     

Two Way Plus Checking

     

 

CheckWise Checking

  • Available to all consumer depositors
  • Available to students age 18-24 with current ID with no monthly maintenance fee
  • 10 checks per month included in the low monthly maintenance fee
  • Available to anyone 65 & up with no monthly maintenance fee and no limit on number of checks processed in a statement cycle
  • Statements sent once each month
  • Paid checks are safely kept at the bank
  • Deposits can be made in person, through our night deposit, by mail or by direct deposit
  • Withdrawals require personalized checks

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Regular Checking

  • Available to all consumer depositors
  • Minimum Deposit of $100 to open account
  • Statements sent once each month
  • Deposits can be made in person, through our night deposit, by mail or by direct deposit
  • Withdrawals require personalized checks
  • No monthly maintenance charge if a minimum balance is maintained


 

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Premier Checking

  • Available to all consumer depositors
  • Statements sent once each month
  • Deposits can be made in person, through our night deposit, by mail or by direct deposit
  • Withdrawals require personalized checks
  • No monthly maintenance charge if a minimum combined balance is maintained

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Two Way Plus Checking

  • Available to any consumer depositors, sole proprietorship, or non-profit organization
  • Statements sent once each month
  • Deposits can be made in person, through our night deposit, by mail or by direct deposit
  • Withdrawals require personalized checks
  • Interest is paid on a tiered basis - the higher the balance in your account the higher the interest rate you recieve.
  • No monthly maintenance charge if a minimum balance is maintained

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Regular Savings

  • Available to any depositors
  • Minimum deposit to open this account is $100.
  • Statements sent quarterly on the last business day of Feb, May, August, and November (Accounts receiving electronic transactions will receive statements monthly)
  • Deposits may be made in person, through our night deposit, by mail, or by direct deposit
  • Withdrawals or account transfers must be made in person
  • Interest rate & APY will be posted in the lobby of the Bank
  • Interest will be compounded quarterly
  • No monthly maintenance fee if balance does not drop below a minimum balance of $300 during the statement cycle

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Easy Money

  • Available to any depositors
  • Minimum deposit to open this account is $2,500.
  • Statements sent at end of each month
  • Deposits may be made in person, through our night deposit, by mail, or by direct deposit
  • Withdrawals must be made in person
  • As you increase the balance in your account, you earn higher rates of interest.
  • No monthly maintenance fee if balance does not drop below a minimum balance or $2,500 during the statement cycle

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Certificate of Deposit

  • Minimum required to open account - $1,000
  • Farmers bank offers CD's for 6, 12, 24 36 and 48 months with a minimum of $1,000
  • Contact a Bank Representative for more information.
  • The interest rate will be posted in the lobby of the Bank and is available from any Bank Representative.

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Individual Retirement Account (IRA)

  • The interest rate will be posted in the lobby of the Bank and is available from any Bank Representative.
  • Minimum deposit to open this account is $250.
  • Interest begins to accrue on the business day you deposit funds into the account.
  • Interest will accrue daily and is credited to your account twelve months from origination and every twelve months thereafter.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the full amount of principal in the account each day.
  • Will mature twelve months from the origination date.
  • A statement will be rendered twice yearly.
  • A withdrawal may require 14 days prior notice
  • Partial withdrawals cannot be permitted without receiving a penalty except for retirement withdrawals
  • Penalties will be assessed for early withdrawal
  • Automatically renews at the end of twelve months
  • Deposits may be made at the Bank during regular banking hours, by mail or placed in the Night Depository of Farmers Bank.

     

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Consumer Loans

  • Consumer Loans are available for most purposes. Loans can be structured to fit your needs. Contact our loan department for information about our lending products.

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