Heartbleed Internet Bug
Farmers Bank is aware of the “Heartbleed” internet bug that has been widely reported in the media. Protecting your confidential information is one of our top priorities. Please rest assured that we are addressing this issue, and if any vulnerabilities are discovered, that we will let you know and they will be dealt with as quickly as possible. We can confirm that our Online Banking system has not been affected by the Heartbleed bug. Your Online Banking information is and has been secure. Your Online Banking username and password have not been compromised. If you have any questions or concerns please feel free to contact us. Further updates will be posted on our website as appropriate.
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Banking Features
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Business Checking
Business Checking AccountsBusiness Builder CheckingMoney Market CheckingTiered MMDA
Minimum Opening Deposit$50.00$50.00$50.00
Miniumum balance to obtain APYN/A$2,500.00$25,000.00
Transaction ChargesFirst 300 debits and credits (items deposited) free, $0.25 charge over 3006 free debits per month, $2 per debit over 6. See further detail for restrictions6 free debits per month, $2 per debit over 6. See details under account description for restrictions.
Monthly Service ChargeFree with eStatement enrollment or $5.00 monthly service chargeFree with minimum ledger balance of $2,500 or $10.00 monthly service chargeMaintaining the monthly minimum ledger balance of $25,000 waives the $25.00 monthly service charge
Other available features:
eStatementsavailableavailableavailable
Online Banking Click here for more information Click here for more information Click here for more information
Visa business debit cardclick here for more information
Merchant Captureclick here for more information click here for more information click here for more information
Merchant services Click here for more information

Business Builder
The business checking account that works for you. At its foundation, it’s a robust checking account that meets your deposit and transaction needs. This business checking account features a generous amount of transactional items and convenience services. Accessible online 24 hours a day, this checking account offers:
No minimum balance required

No charge for first 300 items ($0.25 charge for each item over 300) – Items defined as debits and credits (items deposited), excludes electronic deposits
$5.00 monthly service charge waived with enrollment in eStatements
Internet Banking
Night depository service with no annual fee

Visa Business Debit Card with no monthly fee

Free coin processing (at self-serve locations)

Money Market
Interest is paid on all balances and is compounded daily, paid monthly. Rates are subject to change
Minimum ledger balance is $25,000
Below the required minimum, there is a monthly service charge of $25.00
Debit transactions are limited to six (6) per month.
All transactions over six (6) will be assessed a $2 fee.

Tiered Money Market Account

Tiered Interest Account
• Tier 1: $10,000 - $24,999.99

• Tier 2: $25,000 - $99,999.99

• Tier 3: $100,000 - $249,999.99

• Tier 4: $250,000 and above


Interest is paid on all balances and is compounded daily, paid monthly
Rates are subject to change
Minimum ledger balance is $25,000
Below the required minimum, there is a monthly service charge of $25
Debit transactions are limited to six (6) per month.
All transactions over six (6) will be assessed a $2 fee. 


Account Analysis
Account Analysis provides a descriptive statement which lists the services used and the costs associated with the account. Charges can be minimized by maintaining sufficient balances.



Business Bill Pay
Ability to pay the occasional bill electronically. $1.00 per payment after 10 payments.



Merchant Services
Allows business customers the ability to accept payment with credit, debit and gift cards.



Remote Deposit Capture
Allows merchants the ability to make deposits without leaving the office.

Positive Pay

Automated check fraud detection tool.

Watch our Online Business Banking Tools video - click here