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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Checking Accounts
For more information on accounts stop by any branch or phone the FACT line at 227-1601 8am to 5pm, Monday through Thursday and until 6pm on Friday.
Checking AccountseFree CheckingChargeFree Checking Encore Checking*Interest CheckingPremier Members Checking Money Market Checking
Minimum Opening Deposit$50.00$50.00$50.00$50.00$50.00$50.00
Miniumum balanceN/AN/AN/A$1,000.00No$2,500.00
Interest PaidNoNoNoYesYesYes
Transaction LimitNoNoNoNoNo6 free debits per month, $2 per debit over 6. See details under account description for restrictions.
Monthly Service ChargeNoneNone$10 without Direct Deposit or $8 with Direct Deposit*Maintaining the monthly minimum ledger balance of $1,000 waives $10.00 monthly service chargeCombined total deposit relationships of $10,000 waives the $5 monthly service chargeMaintaining the monthly minimum ledger balance of $2,500 waives $10.00 monthly service charge
Other available features:
eStatementsrequiredXXXXX
Online Banking - Click here for more information requiredXXXXX
Mobile Banking - Click here for more information XXXXXX
Bill PayXXXXXX

*This is our second chance account. If you maintain this account in the agreed upon manner for 18 months you can move to a free account.


Rates on accounts that pay interest are subject to change at management’s discretion. Checking Accounts are considered dormant when there has been no activity for 6 months. Once dormant, the account is charged $5.00 per month if balance is less than $100.


eFree Checking Account
An initial deposit $50 is required to open the account.
No monthly service charge
No minimum balance
Free “bank‐branded” checks
Secure and convenient eStatements.  
One (1) NSF fee refunded within a 12 month period upon request.
One (1) stop payment fee refunded within a 12 month period upon request.
No fees are incurred when using any of Farmers Bank or its affiliates’ ATMs.  
No foreign ATM fee assessed by Farmers Bank.
Four (4) foreign ATM fees rebated per month.  We refund the fees that other banks charge for use of their ATMs four times per month.
Free internet banking, online bill pay and debit card
Required: valid email address, internet banking and eStatements are required for the eFree account.  
If you do not sign up for and receive eStatements within 30 days of account opening, your
account will be converted to a ChargeFree checking account.  It will still function as a free
checking account; however, it will not receive ATM, NSF or stop pay fee refunds

ChargeFree Checking
No minimum balance

Unlimited check writing

Account Plus (overdraft protection)

 available, subject to approval.


Encore Checking
With our second chance account, you can:
Regain your financial strength
Eliminate costly check cashing fees
Unlimited check writing
Free internet banking and bill pay
Free debit card
$10.00 per month maintenance charge or $8.00 with Direct Deposit
If you maintain this account in the agreed upon manner for 18 months you can move to a free account

Regular
Minimum ledger balance - $500

Below the required minimum, monthly service charge - $5


Account Plus (overdraft protection)
 available, subject to approval.

Interest Checking Account
This account is open to individuals, sole proprietorships and non profit organizations.
Minimum balance to avoid a $10 monthly service charge is $1,000.
Interest compounded daily on the available balance.

Money Market Checking
Available to businesses, individuals and non-profit organizations.
Six withdrawals per month. $2 per withdrawal over six.
No service charge on those accounts with a minimum balance of $2,500 or more.
A $10 monthly service charge will be accessed on those accounts below the minimum.

Federal Regulations limit the number of withdrawals or transfers that may be made from a money market account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a to a third part to six (6) per calendar month or statement cycle. Regardless, of the type of transaction, you may make six (6) withdrawals from your account each month with no fee; withdrawals exceeding six (6) including electronic withdrawals, will be subject to a $2.00 transaction fee.

Premier Members Checking Account
Rates subject to change at management’s discretion. Minimum deposit to open account is $50.00. ATM transaction fees apply.
Benefits:


Imaged checks returned with statement

No minimum balance
Unlimited check writing

Personalized checks - two (2) single orders of checks per year
Interest paid if minimum balance of $100.00 is maintained. (Rates subject to change at management’s discretion.)
Savings or Money Market Checking Account * transfer for overdraft purposes in $50 increments for $5.00 per transfer
(Available upon written request.)



Free TABS and Internet Banking

Travelers cheques for one are issued at no fee

50% Discount on Cashier’s Checks

50% Discount  for Stop Payments

50% Discount on Safe Deposit Box Rental (limit one box and subject to availability)


Free Photocopies (limit 10 per month)
Free Fax Machine Use (limit 3 per month)
Hotel and Motel Discounts

$10,000 AD&D Insurance

Identity IQ and Identity Theft 911
Prescription Drug Discounts

Hearing Instruments Discounts

Prescription Eyewear Discounts

Group Travel opportunities detailed in Quarterly Newsletter

Other discounts on Travel, Leisure and Shopping through Savings Made Easy (see fulfillment flyer for full details)



Only $5.00 a month. Keep $10,000 in combined deposit relationships and all the above benefits are yours free!