Checking and Savings

­Personal Checking Plans

	VISA Check Card	Online Banking	Online Bill Pay	Interest Bearing	Minimum Balance Requirements	Monthly Service Charge	Free Checks
*Hometown Checking				NO	$500 minimum daily balance	$5 if balance falls below $500 during statement cycle	NO
Farmers Club **Benefit Package Included					$500 minimum daily balance	Under Age 50: $10 Age 50 and over: $2, OR  if daily balance below $500, $10
Century Checking					$1000 average daily balance	$10 if average daily balance below $1000	NO
Now Sterling Checking					$500 average daily balance	$10 if average daily balance below $500	NO
Money Market			NO		$1000 average daily balance	$10 if average daily balance below $1000	NO

*If Customers meet any of the following qualifications they can be exempt from the $5 service charge regardless of account balance.

• Age 60 and Over
• Age 50 and Over with Direct Deposit (Must meet BOTH of these requirements)
• County or Town Employee
• Full Time Student
• Enrolled in Electronic Statements

** Benefit Package Includes Cashiers Checks No Charge, Special CD, $10,000 Accidental Death and Dismemberment Insurance, $2500 Identity Theft Insurance w/ Fraud Assistance, Payment Card Protection, Savers Club, Rx Advantage Prescription Drug Program, and Hotel Savings Network.

All Account types require $100 to open.

The Farmer’s Bank of Appomattox offers a wide range of accounts to fit your lifestyle.

The Farmers Bank of Appomattox 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.

Samantha Williams
Assistant Vice President - Operations, Payment Services

Hometown Checking

Keep it simple with our basic checking account offering...

• 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 Check Card available**
• Online banking with Bill Pay
• NO transaction fee for use of Farmers Bank ATMs

*If your account meets any of the following criteria, then it can be exempted from the minimum balance service charge:

• 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

If any of these exempt conditions apply to you, please visit the Relationship Banker at one of our branches to complete an exempt form for the account. For more information about how to enroll in electronic statements in order to become exempt from the service charge, visit a Relationship Banker or email us at: customerservice@thefarmersbankva.com

Farmers Club/Club 50 Checking*

The account that offers more. Enroll for Farmers Club benefits today

Current Farmers Club member? Follow the link below and enjoy online access to benefits immediately.
Current Farmers Club member

Not a member? Contact a Relationship Banker for enrollment options

Benefits include:

• FREE personalized wallet-style Checks
• Unlimited Check Writing
• VISA Check Card available**
• NO FEE for Cashiers Checks
• 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
• Savers Club
  Already a member? Click here to view your savings now www.saversclub.com
• RX Advantage Prescription Drug Program
• Hotel Savings Network
• Interest Paid on three tier levels

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

Century Checking*

An unlimited checking account which provides a tiered structure for interest.

• $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 check card available**
• Online banking with Bill Pay
• NO transaction fee for use of Farmer's Bank ATMs

• Interest paid on four tier levels

  Century Checking

  $500.00 - $9,999.99	APY 0.05%
  $10,000.00 - $49,999.99	APY 0.10%
  $50,000.00 - $249,999.99	APY 0.15%
  $250,000.00 & Up	APY 0.20%

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

NOW Sterling Checking*

An unlimited checking account which pays interest. Some limitations on eligible account holders.

• $100 minimum to open account
• The NOW account offers 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 check card available**
• Online banking with Bill Pay
• NO transaction fee for use of Farmer's Bank ATMs

Current interest rate: APY 0.05%

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

Money Market Account*

A limited account which pays higher interest.

• $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

• Money Market Account*

  $5,000.00-$49,999.99	APY 0.10%
  $50,000.00 - $99,999.99	APY 0.15%
  $100,000.00-$249,999.99	APY 0.20%
  $250,000.00 & Up	APY 0.25%

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

_{**Subject to Credit Approval}

Statement Savings*

Enjoy a savings account that earns interest on a quarterly basis and provides a monthly statement.

• $100 minimum to open New 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

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

$ummer $avings Club*

Deadline to Enroll September 30th

Need to save money for vacation, taxes, or just because? We have an Account that will meet your needs!

• 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 vacation again
• The balance of your $ummer $avings club will be automatically transferred back into the same account from which the payments were received
• This account will automatically renew every year unless otherwise requested by you in writing

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

Premier Christmas Club*

Deadline to Enroll January 31st

Need to save money for Christmas, taxes, or just because? We have an Account that will meet your needs!

• 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

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