Checking & Savings

Farmers Bank has been assisting customers for over 100 years with their personal and business financial needs. Our staff will be glad to help you in determining which of our deposit accounts best suits your everyday banking needs. Our wide range of products gives us the capability of providing you with just the right product. From our Farmers Club checking to our statement savings account, we have just what your financial needs require. Let us offer you the hometown, personal attention you deserve.

Personal Checking & Savings

Hometown Checking

A no-frills, everyday checking account with convenient access and no monthly service charge for customers who meet qualifications.*

Money Market Account

Earn higher interest with tiered rates, perfect for those who keep a larger balance and want limited check writing.

Farmers Club/Club 50 Checking

Exclusive benefits for customers, including free checks, discounts, and personalized service.

Statement Savings

A traditional savings account that helps you build your nest egg with competitive interest, quarterly statements and easy access to your funds.

Century Checking

Our premier interest-bearing account with added perks for those who maintain higher balances.

$ummer $avings Club

Set money aside throughout the year for summer expenses with automatic transfers and a lump sum payout.

NOW Sterling Checking

A checking account that earns interest while offering all the flexibility of standard checking.

Premier Christmas Club

Plan ahead for holiday spending with a dedicated account that helps you save all your, and pays out just in time.

VISA Debit Card

Online Banking

Online Bill Pay

Interest Bearing

Minimum Balance Requirements

Monthly Service Charge

Free Checks

Hometown Checking

$500 minimum daily balance

$5 if balance falls below $500 during statement cycle

$mart Cent$ Teen Checking

$100 minimum daily balance

$5 if balance falls below $100 during statement cycle

Farmers Club/Club 50

$500 minimum daily balance

– Under Age 50: $10
– Age 50 and Over: $2
– If daily balance below $500: $10

Century Checking

$1000 average daily balance

$10 if average daily balance below $1000

Now Sterling Checking

$500 average daily balance

$10 if average daily balance below $500

Money Market

ATM Card Only

$1000 average daily balance

$10 if average daily balance below $1000

Statement Savings

ATM Card Only

$100 minimum daily balance

$5 if average daily balance below $100

Account Details

Learn more about the account types we offer and choose what works best for you! Contact your Relationship Banker for more information.

Hometown Checking

*If your account meets any of the following criteria, then it can be exempted from the $5 charge if the balance falls below $500 during statement cycle:
– The owner is a senior citizen (60 years of age or older)
– The owner is 50 years of age or older, and the account has
a direct deposit
– The account has been enrolled for electronic statements
– The owner is a full-time student
– The owner is a town or county employee

**Subject to approval.

  • NO monthly service charge if the account maintains a balance of at least $500.00
  • $5.00 service charge for months in which the minimum balance is not maintained*
  • $100 minimum to open New Account
  • Unlimited Check Writing
  • VISA Debit Card available**
  • Online banking with Bill Pay
  • NO transaction fee for use of Farmers Bank ATMs

$mart Cent$ Teen Checking

*If your account meets any of the following criteria, then it can be exempted from the $5 charge if the balance falls below $100 during statement cycle:
– The account has been enrolled for electronic statements
– The owner is a full-time student
**Subject to approval.

  • This account is designed for those who are 15-17 years of age. A parent or legal guardian must be an additional owner of the account.
  • $5.00 service charge for months in which the minimum balance is not maintained*
  • $25 minimum to open New Account
  • VISA Debit Card available** Application must be signed by a parent/legal guardian. Limit restrictions apply.
  • Online banking. Restrictions may apply.
  • NO transaction fee for use of Farmers Bank ATMs
  • Upon reaching age 18, the account will be converted into the Hometown Checking deposit product.

Farmers Club/Club 50 Account

Check Our Current Rates

* Interest rates are subject to change at any time. Fees and service charges may reduce earnings.

**Subject to approval.

  • FREE personalized wallet-style Checks
  • Unlimited Check Writing
  • VISA Debit Card available**
  • NO FEE for Cashiers Checks
  • $100 minimum to open New Account
  • Online Banking with Bill Pay
  • Special Club Certificate of Deposit Rates available
  • $10,000 Accidental Death and Dismemberment Insurance
  • $2,500 Identity Theft Insurance with Fraud Assistance
  • Credit Card Protection
  • RX Advantage Prescription Drug Program
  • Hotel Savings Network
  • Interest Paid on three tier levels
  • Savers Club

Century Checking

Check Our Current Rates

* Interest rates are subject to change at any time. Fees and service charges may reduce earnings.

**Subject to approval.

  • $100 minimum to open new account
  • No monthly service charge by maintaining an average daily balance of $1000. Below $1000 average balance, a $10 monthly service charge
  • Unlimited check writing
  • VISA debit card available**
  • Online Banking with Bill Pay
  • NO transaction fee for use of Farmer’s Bank ATMs
  • Interest paid on four tier levels

NOW Sterling Checking

Check Our Current Rates

*Subject to approval.

  • $100 minimum to open account
  • No monthly service charge by maintaining an average daily balance of $500. Below $500 average daily balance, a $10 monthly service charge.
  • Unlimited check writing
  • VISA debit card available*
  • Online banking with Bill Pay
  • NO transaction fee for use of Farmer’s Bank ATMs

Money Market

Check Our Current rates

* Interest rates are subject to change at any time. Fees and service charges may reduce earnings.

  • $100 minimum to open new account
  • No monthly service charge by maintaining an average daily balance of $1000. Below $1000 average daily balance, a service charge of $10
  • Customers are limited to a combination of six (6) transactions per statement cycle which includes checks, drafts, and ACH transactions of any amount and unlimited personal withdrawals.
  • Unlimited in-bank counter withdrawals
  • Online banking
  • Interest paid on four tier levels

Statement Savings

* Interest rates are subject to change at any time. Fees and service charges may reduce earnings.

  • $100 minimum to open account
  • Maintain a $100 minimum balance to avoid a $5 monthly service charge
  • Six withdrawals are allowed per month without a fee ($3 fee per withdrawal over six)
  • Deposit and withdrawal slips provided at NO CHARGE
  • Deposits and withdrawals available from Farmers Bank ATMs
  • Service charge waived for Minors
  • Online Banking

Premier Christmas Club

Club Amount

Weekly Payment

$250

$5.00

$500

$10.00

$1,000

$20.00

* Interest rates are subject to change at any time. Fees and service charges may reduce earnings. Deadline to enroll is the last business day of January following the enrollment year.

  • Pick a Dollar Amount of your choice
  • Pick how often you would like your payment to be made
  • Have your money conveniently transferred from your checking or savings account automatically as specified by you
  • Never have to think about saving for Christmas again
  • The balance of your Christmas club will be automatically transferred back into the same account from which the payments were received, just in time to do your Christmas shopping
  • This account will automatically renew every year unless otherwise requested by you in writing
  • Deadline to enroll is last business day of January following the enrollment year.