Farmers Bank and Trust N.A. Personal Checking Accounts
We are proud to offer a range of basic personal checking accounts, and are confident you will find one to fit your needs. We also offer additional accounts packed with extra features and benefits. Please check out our Club Accounts for more information.
Contact Us if you have any questions, or would like more information on any of the accounts listed below. Also you may want to take a moment to review our Privacy Statement. Complete account disclosures are available by request from any of our Branch Locations.
Completely FREE Checking
A FREE checking account that offers the convenience, safety and access to full financial services for our value minded customers.
- No minimum balance requirement
- No monthly maintenance fee
- Unlimited check writing
- Initial deposit of $25.00
- Customer receives monthly statements, digital images of checks are retained.
Regular Checking
An account designed to include all of your basic checking needs - ATM, direct deposit and more.
- Initial Deposit of $500.00
- Average collected balance or minimum Balance of $500.00 during the monthly statement cycle, otherwise, there is a $5.00 monthly maintenance fee
- If the account drops below an average collected balance of $500.00 you are allowed thirty (30) checks or debits per statement cycle. If you write more than thirty (30) checks or debits per statement cycle the fee will be $.30 per check and/or debit.
- If your balance stays above an average collected balance of $500.00 you're allowed unlimited check and/or debits.
- Customer receives monthly statement that includes digital images of their cancelled checks. Can customize number of items to appear per page.
Student Checking
A non-interest bearing low cost checking account for the full-time student..
- No minimum balance requirement
- No monthly maintenance fee
- 30¢ per debit over 30 debits per statement cycle (activity fee)
- Initial deposit of $100.00
- If you are not a full-time student and under the age of twenty-five (25), you will be assessed a $5.00 monthly fee.
Money Market Account
Earn Attractive interest and build toward financial security with five tiers paying higher interest rates on each tier.
| Tier 1 | $1.00 - $2,499.99 |
| Tier 2 | $2,500.00 - $9,999.99 |
| Tier 3 | $10,000.00 - $24,999.99 |
| Tier 4 | $25,000.00 - $49,999.99 |
| Tier 5 | $50,000.00 or more |
- No monthly maintenance fee with a minimum balance of $1,000.00 or an average balance of $1,500.00. Otherwise, a $5.00 monthly maintenance fee.
- Six pre-authorized withdrawals per month (three may be checks to third parties).
- Fee of $1.00 per item over limit.
- Initial deposit of $1,000.00
NOW Checking Account
Designed for persons desiring to make the most of their checking dollars. Three tiers offer higher interest rates paid on increased balances.
| Tier 1 | $ 1.00 to $999.99 |
| Tier 2 | $ 1,000.00 to $9,999.99 |
| Tier 3 | $ 10,000.00 or more |
- Earn interest on average daily collected balances, paid and compounded monthly.
- Minimum balance of $700.00 or an average collected balance of $1,200.00. Otherwise a $5.00 monthly maintenance fee and 30¢ per debit over 30 debits per statement cycle.
- If your accounts falls below the levels listed above, you are limited to thirty (30) checks and/or debits per statement cycle. If your account balance is maintained above the levels listed above, you're allowed unlimited checks and/or debits per statement cycle.
- Customer receives monthly statement that includes digital images of their cancelled checks. Can customize number of items to appear per page.
- Initial deposit of $700.00
Club Accounts
Club FIVE-O
Our basic Club FIVE-O® checking account is designed for our valued customers aged 50 or better. Club FIVE-O® offers you all the banking servics you will ever need. Interest options are available. If you have questions or would like more information, please contact us. Complete account disclosures are available by request from any of our Branch Locations.
- $100.00 minimum balance - otherwise a $5.00 monthly maintenance fee
- Discounts on personalized checks
- Free Travelers Checks and Money Orders
- $100,000 common carrier accidental death insurance
- 50% discount on 3" x 5" safe deposit box
- Scheduled trips, seminars and newsletter
- Travelers Advantage® vacation discount packages
- Credit card protection
- Nationwide discount book
- Initial deposit of $100.00
Club FIVE-O® Plus
Club FIVE-O® Plus checking account offers all of the benefits of Club FIVE-O®, plus the additional privileges below for only $4.00 per month. Interest options are available.
- No minimum balance requirement
- Free personalized checks
- $10,000 accidental death insurance and extra common carrier coverage
- Discount pharmacy and eyewear
- 90-day purchase replacement and extended warranty
- Initial deposit of $100.00
Hometown Account
Special extras make the hometown difference for just $5.00 per month. Interest options are available.
- No minimum balance required and unlimited check writing
- Free personalized checks
- 50% discount on personal checks
- Unlimited checking
- Free Travelers Checks and Money Orders
- Credit card protection
- $10,000 accidental death insurance
- Travel discounts and more
- Initial deposit of $100.00
Hometown Checking Plus
Enjoy these additional benefits to Hometown Checking for only $7.00 per month. Interest options are available.
- $25,000 accidental death insurance and extra airline coverage
- $1,500 coverage for spouse and each dependent child
- 90-day purchase replacement and extended warranty
- ID NetworkTM Safety service
- Children's Savers Reward
- Free personalized checks
- 50% discount on personal checks
- No minimum balance and unlimited check writing
- Initial deposit of $100.00
ATM Card
Having problems getting cash during banking hours? Try our ATM card.
- Free
- Convenient
- Widely excepted
VISA Check Card
Tired of writing checks? Try our VISA Check Card
- Free
- Convenient
- Widely excepted
- Saves on check buying
For FDIC information, please click here.
