Checking Accounts

Checking Account
You must deposit a minimum of $10.00 to open this account. A per item fee of $.20 will be charged for each debit transaction. This fee will not apply to persons 62 years old or older, or if a minimum daily balance of $250.00 is maintained during the statement cycle.

Now Account Checking
You must deposit a minimum of $1000.00 to open this account. Interest rates are variable and interest will be compounded and credited to your account every month. Fees associated with this account will be assessed if the balance falls below $1000.00 any day of the monthly statement cycle, and include a below minimum fee of $3.00 and $.20 for each debit transaction. Contact the Farmers Savings Bank for a brochure that details the complete disclosures for this type of account.

Super Now Checking
You must deposit a minimum of $1000.00 to open this account. Interest rates are variable and will be compounded and credited to the account every week. Fees associated with this account will be assessed each monthly statement cycle and include a periodic fee of $5.00 and $.20 for each debit transaction. Contact the Farmers Savings Bank for a brochure that details the complete disclosures for this type of account.

Savings

Regular Savings Account
You must deposit a minimum of $10.00 to open account. Interest rates are variable and interest will be compounded and credited to the account each quarter. Contact the Farmers Savings Bank for a brochure that details the complete disclosures for this type of account.

Hi-Fi Savings Account
You must deposit a minimum of $1000.00 to open account. Interest rates are variable and will be compounded and credited to the account every month. All deposits to and withdrawals from a Hi-Fi account are required to be a minimum of $250.00. Contact the Farmers Savings Bank for a brochure that details the complete disclosures for this type of account

Go Club Account
This account is for anyone age 50 and older, requires a deposit of $500.00 to open account, a minimum balance of $500.00 to receive benefits. This account offers some free services. Interest will be compounded and credited to the account every quarter. Interest rates on this account can change at any time. Contact the Farmers Savings Bank for a brochure that details the complete disclosures for this type of account.

Other Deposit Accounts:

IRA
Farmers Savings Bank offers many IRA options. You must deposit $100.00 to open any account. Interest rates are variable and will be compounded and credited to the account semiannually. Call or come in and see our bank IRA representative for more information and a brochure that details the complete disclosures for this type of account.

Certificates of Deposit
Farmers Savings Bank offers a variety of terms. Certificates of Deposit can be opened with a minimum deposit of $500.00 or more. A penalty may be imposed for withdrawals before maturity. Call or come in and see any bank representative for current rates and terms and a brochure that details the complete disclosures for any of these accounts

ATM Services:

24-Hour ATM
Our ATM is available in the entrance of our bank. Our machine only allows for cash withdrawals, transfers between deposit accounts and balance inquiries.

SHAZAM ATM Card & SHAZAMChek Card

Shazam ATM Card
The SHAZAM ATM card is available to our customers. This service requires filling out a SHAZAM ATM card application. We charge a $15.00 issuance fee per card and $1.00 per month, per card if your account is set-up to use your SHAZAM card. See any bank representative for a brochure that has more details about the ATM card.

SHAZAMCHEK Card

A SHAZAMCHEK Card provides a faster, more convenient way to buy the products and services you need because this card allows you to withdraw funds from your checking account without ever having to write out a check. Use your card wherever VISA debit cards are accepted. Plus this card performs all the functions of an ATM card. This service requires filling out an application. See any bank representative for an application/ brochure that details the complete disclosures for this product.

Other Services

Other miscellaneous services include:

• Safe Deposit Boxes
• U.S. Savings Bonds - Not FDIC Insured
• Wire Transfer
• Night Depository
• Drive-Up Banking
• Bank-by-Mail
• Direct Deposit
• Automatic Transfer
• Money Orders
• Cashier’s Checks
• Travelex Visa Travel Money Card
• Federal Tax Depository
• Notary Public
• FAX Services
• Investment Center at Farmers Savings Bank
• Visa Gift Card